vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I did not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by delivering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX NY, 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 2025-07-12 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:
I am writing to formally dispute inaccurate and/or unverifiable information reported by XXXX XXXX  on my consumer report.

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 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I cancelled XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I had Previously had XXXX for XXXX years. All bills were auto paid. When I cancelled service, the service representative stated, once I return all equipment, I would Not owe any bill. I sent The equipment out and that was it. I never received a email, phone call, or mail, stating I owed a bill. The bill was then turned over to collection agency true accord. In XXXXXXXX XXXX XXXX Again, I never received a phone call, email, or letter in the mail stating I owed A bill. In XXXXXXXX XXXX XXXX, I was Reviewing my credit report and noticed my score had dropped by XXXX points due to a collection on my account for {$100.00}. I immediately call true accord and pay the balance. I had Contacted both true accord and XXXX on multiple days. XXXX had agreed to remove the collection and had placed a goodwill note on the account. I have been false held accountable for a debt I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
Incorrect Information on My Credit Report Unauthorized XXXX XXXX and XXXX Account To Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report. 

1. A Vehicle I Do Not Own XXXX XXXX XXXX It is being reported that I own a XXXX XXXX XXXX, which is completely incorrect. I have never owned, purchased, leased, or driven a XXXX XXXX XXXX XXXX I do not know how or why this vehicle is associated with my credit or driver profile. 

Additionally, the vehicle is being linked to a XXXX zip code in XXXX, Texas, which is not my current address nor hasnt been my previous residence within the last 4 years. That address was last associated with my familys residence back in XX/XX/XXXX, and neither I nor my family live there anymore. 

This false vehicle listing has also triggered notices requesting that I obtain car insurance for a vehicle I do not own. I am concerned that this may lead to further financial and legal implications. 

2. Unauthorized XXXX Account I also recently disputed an unauthorized XXXX  account that appeared on my credit report, which I did not open or authorize. This dispute was submitted through XXXX XXXX, and the reference/dispute number is : Dispute XXXX XXXX XXXXXXXX Date Submitted : XX/XX/XXXX It is currently under review, but I wanted to ensure the CFPB is aware that multiple instances of fraudulent or incorrect activity have appeared on my report, suggesting my identity may have been compromised. 

3. Lack of Dispute Option for Vehicle I attempted to formally dispute the unauthorized XXXX listing but was not provided an option to dispute this specific claim through my credit reporting platform. This leaves me unable to correct or remove this false information on my own, despite its impact on my profile. 



I am requesting the following : A full investigation into how and why this XXXX XXXX XXXX is associated with my identity and credit. 
The removal of all inaccurate information related to this vehicle from my credit report. 
Assistance or guidance on how to ensure these fraudulent entries are permanently removed and do not reappear. 

Please advise on any further documentation I need to provide. 

Thank you for your attention and help in resolving these serious inaccuracies.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
My score score drop dramatically due to an unauthorized credit report that is fraudulent. I do not have knowledge of this account & accord to law, FCRA SECTION 605B, permission is needed to put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
XXXX Collections XXXX is inaccurately furnishing a collection account ( Acct # XXXX ) to my credit files. 

This account stems from a summary judgment that was never filed against me ; it was filed against another individual, XXXX XXXX XXXX. I have already provided a copy of this judgment to Experian during a prior dispute, yet XXXX Collections XXXX incorrectly verified this inaccurate information. 

Furthermore, the underlying debt has now been paid in full, and the account is closed. 

By knowingly furnishing inaccurate information and failing to correct it after being notified via a dispute, XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate item is causing significant harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and disputed collection account being reported by Progressive on my XXXX  credit report under the account opened on XX/XX/year>, with an alleged balance of {$500.00}. 

This account is listed as a collection account, marked as past due as of XX/XX/year>, and currently displays red marks for XXXX and XX/XX/year>, but lacks supporting payment history, dates of service, or a valid explanation of the origin of debt. The comments note that this account is already disputed by the consumer, yet no documentation has been provided to validate the debt. 

As outlined in 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation upon dispute, and remove or correct any information that can not be verified. No proper validation has been provided by the furnisher ( Progressive ) or XXXX  to substantiate this collection. 

Furthermore, this debt appears to be inaccurately reported in terms of : Incomplete payment history Lack of clear itemization of the debt Failure to provide contract, billing records, or original agreement Absence of monthly payment terms, though a monthly payment section is listed I did not receive any formal collection notice with a 30-day validation window as required under the FDCPA before this account was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ccording to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX ( Acct # XXXX ) is reporting a collection account on my Experian report. This account is factually inaccurate as it stems from a legal summary judgment that was filed against another person, my mother, XXXX XXXX XXXX. 

On or around XX/XX/year>, I filed a dispute with Experian ( Report # XXXX ). The dispute included a screenshot of the summary judgment aforementioned that was filed against XXXX XXXX XXXX, and that I ( XXXX XXXX XXXX ) was not named on. Experian 's investigation concluded that the information was " Verified and Updated. '' This investigation was unreasonable and incomplete. 

The judgment was never against me, and the underlying debt has since been paid in full and the account is marked " Paid, Closed. '' Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation and continuing to report this inaccurate information that belongs to someone else.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct, Under XXXX XXXX Code XXXX ( b ) ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I know under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information A in general if after any reinvestigation under paragraph ( XXXX ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct, Under XXXX XXXX Code XXXX ( b ) ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I know under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information A in general if after any reinvestigation under paragraph ( XXXX ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX, I received emergency medical treatment at XXXX XXXX XXXX following a hit-and-run accident. The resulting medical debt was originally handled by XXXX XXXX XXXX ( XXXX ), who returned the account to the hospital after I formally disputed it. 

On XX/XX/XXXX, I received a collection notice from Aargon Collection Agency attempting to collect {$1500.00} for the same medical bill. I contacted Aargon by phone to explain that the debt stemmed from an accident where I was not at fault and had already been disputed with the prior agency. 

During the call, after I referenced my rights under the Fair Debt Collection Practices Act ( FDCPA ), a supervisor joined the line and made an aggressive and inappropriate statement : that they would make me pay once they get an itemized bill. I found the tone and conduct of the call to be threatening and unprofessional. 

I am filing this complaint due to : The agencys handling of a previously disputed and unresolved debt, The lack of proper debt validation documentation, and The supervisors hostile and coercive remarks made during a recorded call. 

This experience has caused me unnecessary stress, and I am requesting that the CFPB investigate Aargon Collection Agencys conduct and ensure they comply with all FDCPA requirements moving forward.

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 2025-07-12 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: GA

Complaint narrative:
I am writing to dispute these hard inquiries off my account that were not authorized by me On my credit report. The account of the hard inquiries that is listed without an authorization from me or proof of verification, which makes it impossible for me to verify its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the hard inquiries associated with this account and remove these hard inquiries from my credit report, l am unable to have confidence in the accuracy of this alleged account.Please conduct a thorough investigation and remove the accant immediately. Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states AttorneyGenerals office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being.

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 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Comenity Capital Bank Subject : Request for Investigation and Removal/Settlement of Closed Account To Whom It May Concern, I am writing to formally request a review and correction of the information being reported on my credit file regarding the following account : Creditor Name : COMENITY CAPITAL BANK-Forever 21 Account Number : Ending in XXXX This account was closed by the guarantor, not by myself, and is currently reflecting late payment charges that were under active discussion for removal at the time of closure. 

Given the circumstances, I kindly request that this account be either removed from my credit report or that I be allowed to settle the remaining balance under fair and reasonable terms, in light of the previous efforts made to resolve the matter. 
I believe the continued reporting of this account is negatively impacting my creditworthiness and does not fully reflect the context of the situation. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an investigation into this matter and provide a written response outlining your findings. If the account can not be accurately verified, I respectfully request that it be deleted from my credit report. 
Attached you will find any supporting documentation I currently have regarding this account. If further information is needed, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have been disputing numerous inaccurate and unvalidated accounts on my credit reports that are being reported by third-party debt buyers and collectors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 

I have submitted multiple disputes through the credit bureaus as well as formal complaints through the CFPB. Despite my repeated efforts, the credit bureaus continue to mark these accounts as verified without requiring proper legal debt validation. I am repeatedly sent only billing statementswhich do not satisfy the requirements of the FDCPA. The accounts are not being investigated properly, and the bureaus continue to allow them to remain or reappear on my reports. 

My credit score has suffered greatly due to this mishandling. My TransUnion score had reached nearly XXXX, but it has since dropped to XXXX, despite my efforts to resolve the issues in good faith. I am currently considered unhoused, as I am living with relatives, and I am actively working toward qualifying for a XXXX XXXX loan in XXXX so I can obtain stable housing. The inaccurate and unvalidated information on my credit report is threatening that goal. 

These bureaus are violating the Fair Credit Reporting Act ( FCRA ) and enabling predatory debt buyers by : - Failing to conduct meaningful investigations - Refusing to provide method of verification documentation - Allowing unvalidated or unverifiable accounts to remain - Permitting reinsertion of removed items without proper notice I am emotionally exhausted. I have done everything Im supposed to do, but the system continues to harm me. Please help.

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Opened checking and savings accounts with the promo code : XXXX. After confirming the promotion during account opening, and setting up access to the account, the bank notified me days later, without reason, that I was ineligible for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The XXXXXXXX XXXX XXXX credit card is through Synchrony Bank, they attach a Security Payment Card fee to each statement, amount varies- one month is was {$50.00} the next month it was {$41.00}, secondly why are they charging me a {$2.00} interest charge when it is a interest free promo for 2 year which just started on XX/XX/year> and I have made payments each month. I have had promo interest fee purchases before with other companies and never had this issue. I called Synchrony Bank and said I never sign any documents for the Security Payment Card fee, the customer service rep said no one is available to help with that, after two calls. They have done this type of thing before and I had to pay off the credit card or be charged the extra fees. I will never do business with a credit card company that uses Synchrony Bank. They have terrible customer service personal. This 2 year promo is a scam, you are paying for fees no one ever tells you about. I live on social security so having now to pay off the furniture loan of {$2500.00} before 2 years is a burden. I do not want anyone else subject to this. Not sure if this is a XXXX XXXX XXXX doing, the Synchrony customer service person did not say call 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