vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the following accounts with TransUnion due to inaccuracies in their reporting : Charged Off Accounts : DEPTEDXXXX XXXX XXXX Balance : {$3900.00} DEPTEDXXXX XXXX XX/XX/XXXX, Balance : {$7300.00} DEPTEDXXXX XXXX XXXX Balance : {$1800.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, Balance : {$3700.00} DEPTEDXXXX XXXX XXXX Balance : {$3000.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, Balance : {$5700.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, Balance : {$22000.00} DEPTEDXXXX XXXX, XX/XX/XXXX, Balance : {$5600.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, Balance : {$5900.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, Balance : {$24000.00} DEPTEDXXXX XXXX, XX/XX/XXXX, Balance : {$6900.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, Balance : {$3200.00} DEPTEDXXXX XXXX  XX/XX/XXXX, Balance : {$7500.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$530.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, Balance : {$3900.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$24000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$8000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
I submitted a formal dispute to XXXX  via certified mail regarding several accounts that were being reported inaccurately and incompletely. XXXX tracking confirms that XXXX  received my dispute package. 

Under the Fair Credit Reporting Act ( FCRA 611 ), XXXX  is required to investigate disputes and provide the results within 30 days. They must either verify the information with the furnisher or delete it if it can not be verified.

XXXX  did not respond at all within the 30-day period.

They did not provide verification, did not send an investigation notice, and did not update, correct, or remove the disputed information. Because XXXX  failed to complete the investigation within the required timeframe, the accounts are now legally considered unverified.

Per FCRA, any account that can not be verified must be deleted. 

I am requesting CFPB assistance to require XXXX  to delete the disputed tradelines immediately due to their failure to respond within the statutory window and failure to verify the accuracy of the information. 

I have documentation showing the date XXXX  received my certified dispute and the fact that no response or investigation results were ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I submitted a formal dispute to XXXX  via certified mail regarding several accounts that were being reported inaccurately and incompletely. XXXX tracking confirms that XXXX  received my dispute package. 

Under the Fair Credit Reporting Act ( FCRA 611 ), XXXX  is required to investigate disputes and provide the results within 30 days. They must either verify the information with the furnisher or delete it if it can not be verified. 

XXXX  did not respond at all within the 30-day period. 
They did not provide verification, did not send an investigation notice, and did not update, correct, or remove the disputed information. Because XXXX  failed to complete the investigation within the required timeframe, the accounts are now legally considered unverified. 

Per FCRA, any account that can not be verified must be deleted. 

I am requesting CFPB assistance to require XXXX  to delete the disputed tradelines immediately due to their failure to respond within the statutory window and failure to verify the accuracy of the information. 

I have documentation showing the date XXXX  received my certified dispute and the fact that no response or investigation results were ever provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding several inaccuracies on my credit report. Below are the details of the accounts in dispute, categorized by bureau. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
i have not used this credit card i had them close this account and they refuse to take off the charges on this account i NEVER used this card Account info Account name SYNCB/AMAZON Account XXXX XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed/Never late. 
Status updated XX/XX/XXXX Balance {$24.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$24.00} Original balance {$1500.00} Highest balance {$110.00} Terms - On record until XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding the continued reporting of multiple inaccurate, misleading, and legally noncompliant tradelines on my credit reports with Equifax, Experian, and TransUnion. Despite prior disputes, these accounts continue to be reported with contradictions, unverifiable data, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

The accounts at issue are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported across multiple bureaus with zero balances while simultaneously showing charge-off, collection, or derogatory statuses, which is materially misleading. An account can not be both paid or settled and charged off at the same time. This type of reporting misrepresents my credit risk and violates the requirement that consumer reporting agencies and furnishers maintain maximum possible accuracy. 

In addition, the reporting is internally inconsistent across bureaus, including but not limited to : Conflicting account statuses ( paid vs. charge-off ) Inconsistent dates of last activity and last payment Conflicting high balance and credit limit figures Continued reporting by furnishers after accounts were allegedly sold or transferred Missing or incomplete payment histories Continued reporting of charge-off language after settlement or resolution For the XXXX XXXX XXXX XXXX account , the tradeline states the account was charged off, transferred, sold, and purchased by another lender, yet XXXX XXXX continues to report the account. Once an account is sold or transferred, the original creditor no longer has authority to continue furnishing a charge-off tradeline without proof of ownership or permissible purpose. No such proof has been provided. 

For the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  accounts, the tradelines reflect settlements, payments after charge-off, or paid statuses while still reporting charge-offs and derogatory history. This creates a double-derogatory effect and materially overstates the severity of the accounts. 

I have repeatedly disputed these inaccuracies, yet the credit bureaus continue to verify these accounts without resolving the core contradictions or providing documentary proof. Simply verifying internal records is not sufficient when the records themselves are inaccurate, incomplete, or contradictory. This constitutes a failure to conduct a reasonable reinvestigation under FCRA 1681i and a failure to maintain reasonable procedures for accuracy under FCRA 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: SC

Complaint narrative:
In XXXX, I mailed a formal written validation request to Kikoff Lending LLC regarding an account they are reporting as a charge-off. XXXX tracking confirms that XXXX received my dispute and validation request. 

Under the Fair Credit Reporting Act ( FCRA 609 and 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), Kikoff is required to provide : The original signed agreement, A complete ledger of charges and payments, Billing statements/notices, Proof the account was an extension of credit rather than a self-funded credit-builder product.

Kikoff did not provide any response or validation within the required timeframe. 

They did not supply documentation, did not verify the accuracy of the information they furnished, and did not demonstrate that this was a legitimate extension of credit capable of being charged off.

Because Kikoff failed to validate the account within the statutory window, the tradeline is now considered unverified under FCRA. 

Despite failing to validate the account, they continue to report a charge-off status and past-due balance to the credit bureaus, which is inaccurate and materially harmful. 

I am requesting CFPB assistance to require deletion of this account from all credit bureaus due to Kikoffs failure to validate and failure to ensure accurate reporting. 

Documentation is available showing the date my validation request was mailed and received, as well as the full contents of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please delete all fraud accounts per FCRA and POLICE REPORT. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CURRENT NEW FULL POLICE REPORT attached, NEW XXXX  FTC, Bank statement, social security and ID attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX  - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted Equifax multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: TX

Complaint narrative:
Rec a collection statement from Suttell & Hammer P.C. for a debt with XXXX that is XXXX XXXX XXXX. Last payment by me was made on XX/XX/XXXX and the amount owed thru collection is as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX XXXX  you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX XXXX  you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the accuracy and validity of the following charged-off account ( XXXX ) listed on my Experian credit report : [ Account Name ], [ Account Number ], [ Date Opened ], [ Balance ] These accounts are not being reported accurately. I am requesting full verification and proper documentation validating the debt and reporting accuracy under the Fair Credit Reporting Act ( FCRA ). 

Inquiries I also dispute the following inquiry as unauthorized : TD Retail Card Service, XX/XX/year> Please remove any inquiries that were not authorized by me in writing. 

Late Payments I am disputing the accuracy of reported late payments for : XXXX XXXX Bank, XXXX This account has been paid as agreed, and any late payment notation should be corrected or removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation