vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC
State: NV

Complaint narrative:
I am filing a complaint against Kashable regarding an account that continues to be inaccurately reported on my credit file. 

Although the account should have been charged off after 120 days of non-payment ( per federal guidelines ), Kashable continues to report the account as 120+ days late for over 900 consecutive days. This is a serious misrepresentation of the account status. 

Under the Federal Financial Institutions Examination Council ( FFIEC ) guidelines, installment loans must be charged off after 120 days of delinquency. Once charged off, the creditor should stop reporting monthly late payments and instead report the account as charged off, with a fixed delinquency date. 

Despite paying the account in full, Kashable has : Continued reporting the account as open and 120+ days late, well beyond the allowable period.

Failed to update the account to reflect a paid or closed status.

Misrepresented the payment history in violation of the Fair Credit Reporting Act ( FCRA ).

This ongoing inaccurate reporting is negatively impacting my credit and is misleading to other lenders.

I request that Kashable : 1. Stop reporting the account as 120+ days late.

2. Update the status to charged off, closed, or paid in full.

3. Correct the payment history to reflect the appropriate delinquency period and resolution.

I have attempted to resolve this directly with Kashable but received no correction. I am asking the CFPB to intervene and ensure this is rectified in accordance with federal reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding two separate collection accounts from 1ST Credit Services, both related to the same gym chain, XXXX XXXX, appearing on my XXXX  credit report. The reporting is not only inaccurate and harmful to my credit profile, but it appears to be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The two accounts in question are : Account # XXXX Original creditor listed as XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, for {$260.00} Account # XXXX Original creditor listed as XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, for {$200.00} These two accounts are being reported as separate debts by the same collection agency, but they appear to be linked to the same gym membership or service. I believe this is either a duplicate billing issue or a misrepresentation of the facts. I did not open two separate gym contracts within the same year, and I strongly suspect that this is either a clerical error or an intentional strategy to inflate the balance owed or pressure payment. 

Furthermore, I made multiple attempts to cancel my gym membership with XXXX XXXX prior to these debts being placed in collections. Despite repeated efforts to contact the gym in person, via phone, and email, my cancellation was never honored or processed. Instead, the charges continued to accrue for a service I was no longer using and had made it clear I wanted to cancel. This constitutes unauthorized billing and directly contradicts consumer protection standards. 

To make matters worse, the collection entries show Status Updated dates in XX/XX/XXXX, which is suspicious and suggests that the accounts are being re-aged potentially to make them appear more recent and more damaging to my credit profile. This practice is unlawful under the FCRA, which prohibits the extension of the reporting period by re-dating the debt. 

This inaccurate reporting has negatively impacted my credit, preventing me from qualifying for housing, auto financing, and even basic credit products. The continued presence of these duplicative and questionable accounts is unjust and has caused financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report shows that I have a collection of {$2200.00} approximately debt with synchronicity bank. Several times I reported that this debt does not belong to me. I requested prove but they never answer. I am a XXXX XXXX XXXX XXXX citizen and this collection is affecting me a lot. It does not allow me to get an HELOC from my home which I desperately need.

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 2025-06-15 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 want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: CL Holdings LLC
State: NJ

Complaint narrative:
There are unverified collection accounts being reported on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Source Receivables Management LLC
State: NJ

Complaint narrative:
There are unverified collection accounts being reported on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 discovered that my credit file contains accounts that I never authorized or opened. I am requesting the immediate removal of these accounts under the provisions of 15 U.S.C. 1681g, with deletion to be completed within 15 days. Supporting evidence is enclosed.

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 2025-06-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
The XXXX which Ive done quite a few times now is attached now is XXXX accurate is it a tool that we used to go by? Was it just something? That we just look at the XXXX tool is attached down below And for the record, I will be changing phone numbers so I dont know how this is gon na play out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-15 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 want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-15 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: CL Holdings LLC
State: FL

Complaint narrative:
False XXXX Account Reporting Re-Aging & Identity Error ( Account # : XXXX ) Complaint Summary : I am disputing a fraudulent or inaccurately reported account from XXXX ( Account # : XXXX ) that is appearing on my credit report. According to the report, the account was opened on XX/XX/year>. I have never had a XXXX account, and I have been a continuous XXXX XXXX XXXX customer for over XXXX  years with no lapses or service transfers. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate an immediate investigation into this matter and hold both the furnisher ( XXXX ) and the reporting bureau accountable for furnishing and publishing false, misleading, and unvalidated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved and continues to cause severe disruption to my financial well-being. The inclusion of these unauthorized items has profoundly impacted my life, causing significant stress, XXXX, and tangible financial harm including denial of credit applications and increased interest rates on existing accounts. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft, and the continued presence of these items represents a clear violation of my consumer rights under federal law.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian have failed to send me reinvestigation proof of investigating these inaccuracies CFPB XXXX XX/XX/year> CFPB XXXX XX/XX/year> Under 15 USC 1681i ( 7 ) Im requesting a Description of the investigation : Name of agent who investigated. Date of investigation? Furnishing agent name? company? and source of information? what method was used to confirm accuracy? Did any of the agents contact primary sources of the debt such as the person who acquired the debt and the employee who first processed it?

15 U.S. Code 1692 ( C ) - Communication in connection with debt collection. My rights were violated by your company continuous unlawfully communication over a year and have not provided proof of investigation, remove all of these negative accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Status : Paid Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Paid, Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX XXXX XXXX XXXX XXXX XXXX * Account Status : Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS

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 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion and its data furnisher XXXXXXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question is listed as # XXXX, originally tied to XXXX XXXX XXXX XXXX XXXX  and reported by XXXX XXXX  with a balance of {$500.00}. This account contains numerous violations including : - Failure to validate the debt under XXXX  XXXX - Inaccurate and contradictory reporting ( marked both 'Open ' and 'Collection ' ) - Re-aging of debt to falsely extend its reporting lifespan under FCRA 605 ( c ) - Improper dispute handling with no meaningful investigation - Lack of permissible purpose under FCRA 604 - Continued communication without validation in violation of FDCPA 1692c According to 15 U.S.C. 1681, I have the right to dispute inaccurate and unverifiable information that appears on my credit report. I have disputed this account multiple times with the credit bureaus, yet it continues to be reported as verified or updated without a proper investigation.

Despite my requests, neither TransUnion nor XXXX XXXX provided any of the required documentation including the original signed contract, an itemized explanation of the balance, or verification of the debt. Even after prior complaints, they have failed to supply the legally mandated evidence to validate this account. 

Their failure to investigate, combined with the continued reporting of unverifiable information, constitutes a willful violation of federal law. 

I have formally requested a reinvestigation and deletion of this tradeline, but TransUnion has failed to take appropriate action. I am requesting the CFPB intervene and ensure this entry is permanently removed from my credit file and appropriate penalties are considered.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/year> I mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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 2025-06-15 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: NC

Complaint narrative:
Equifax have failed to send me reinvestigation proof of investigating these inaccuracies, and have avoided showing up to court. I seeking compensation for willful intentional inaccurate reporting. 

CFPB XXXX XX/XX/year> CFPB XXXX XX/XX/year> Under 15 USC 1681i ( 7 ) Im requesting a Description of the investigation : Name of agent who investigated. Date of investigation? Furnishing agent name? company? and source of information? what method was used to confirm accuracy? Did any of the agents contact primary sources of the debt such as the person who acquired the debt and the employee who first processed it? 

15 U.S. Code 1692 ( C ) - Communication in connection with debt collection. My rights were violated by your company continuous unlawfully communication over a year and have not provided proof of investigation, remove all of these negative accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Status : Derogatory ( XXXX, & XXXX  shows paid Equifax is inaccurate ) Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Status : Derogatory ( XXXX  shows paid, & XXXX  shows nothing, this is inaccurate ) Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Status : Derogatory ( XXXX  shows paid this is inaccurate ) Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status : Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding two separate collection accounts from XXXX XXXX XXXX, both related to the same gym chain, XXXX XXXX, appearing on my TransUnion credit report. The reporting is not only inaccurate and harmful to my credit profile, but it appears to be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

The two accounts in question are : Account # XXXX Original creditor listed as XXXX XXXX XXXX, opened XX/XX/XXXX, for {$260.00} Account # XXXX Original creditor listed as XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, for {$200.00} These two accounts are being reported as separate debts by the same collection agency, but they appear to be linked to the same gym membership or service. I believe this is either a duplicate billing issue or a misrepresentation of the facts. I did not open two separate gym contracts within the same year, and I strongly suspect that this is either a clerical error or an intentional strategy to inflate the balance owed or pressure payment.

Furthermore, I made multiple attempts to cancel my gym membership with XXXX XXXX prior to these debts being placed in collections. Despite repeated efforts to contact the gym in person, via phone, and email, my cancellation was never honored or processed. Instead, the charges continued to accrue for a service I was no longer using and had made it clear I wanted to cancel. This constitutes unauthorized billing and directly contradicts consumer protection standards. 

To make matters worse, the collection entries show Status Updated dates in XX/XX/XXXX, which is suspicious and suggests that the accounts are being re-aged potentially to make them appear more recent and more damaging to my credit profile. This practice is unlawful under the FCRA, which prohibits the extension of the reporting period by re-dating the debt. 

This inaccurate reporting has negatively impacted my credit, preventing me from qualifying for housing, auto financing, and even basic credit products. The continued presence of these duplicative and questionable accounts is unjust and has caused financial and emotional distress.

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I repeatedly called Citizens Bank ( of XXXX  ) to try to make payments. The banks information technology team was not able to let me make a payment from my external account, and they agreed to waive fees. 

When I called their debt collections department repeatedly, they hung up on me repeatedly and refused to assist me. I believe they are discriminating against me because I used a TTY service. 

Furthermore, they continue to assess late fees and send threatening and defamatory letters. Please make them close my account from the available funds and remove their remarks from my credit reports. If they are willing to do so, I am willing to waive the fees and interest theyve assessed.

Company response to consumer: Closed with explanation