vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Name : XXXX XXXX Address : XXXX Petty XXXX XXXX, XXXX, MA XXXX Email : XXXX Companies Involved : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX Product : Credit Reporting Issue : XXXX XXXX XXXX credit report / Failure to investigate dispute COMPLAINT SUMMARY I am submitting this complaint regarding inaccurate and unverified negative information that continues to appear on my credit report despite my prior disputes. The credit bureau and the furnishers involved have failed to properly investigate and correct the errors, causing ongoing harm to my credit profile. 

DETAILED EXPLANATION After reviewing my credit report, I identified several charged-off accounts that are being reported with ongoing balances, misleading delinquency histories, and questionable accuracy. 

I previously disputed these accounts directly with the credit bureau and requested verification. However, the negative items remain on my report, and I have not received meaningful evidence showing that a proper investigation was conducted. 

The disputed accounts include : XXXX XXXX  XXXX XXXX credit card accounts reported as charged off XXXX XXXX XXXX  credit card account reported as charged off XXXX XXXX personal loan reported as charged off The issues with these accounts include : Balances continuing to be reported after charge-off without explanation Delinquency reporting that continues month after month after the accounts were charged off Account histories that appear inconsistent or excessive A loan balance that exceeds the original amount borrowed, without clarification The information being reported is misleading, incomplete, and has not been adequately verified. 

HARM CAUSED Because of this inaccurate reporting : My credit score has been negatively affected I have experienced difficulty obtaining credit on fair terms I continue to be harmed by information that has not been properly reviewed or corrected

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 2025-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/24 - XXXX inquiry was not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is not my debt and I did not open this card. 

I have contacted Synchrony Bank and XXXX XXXX XXXX as well as sent back the removable pieces on the form stating this is not my debt. The only correspondence back to me was letters and some bank statements. 

I got a Warrant in Debt notice on XX/XX/XXXX to appear in court on XX/XX/XXXX. 

At the request of pending council which will start in through my wife 's benefit plan in XX/XX/XXXX, I'm told to put this complaint in now and file a police report. My wife is also working with someone at the court as she has had multiple identity theft issues. I had a XXXX 's XXXX card falsely opened in my name that was finally dismissed in XXXX. 

It says card ending XXXX. 
The XXXX doesn't list any information about cases. 

You should let Synchrony know that my wife also has had multiple false cards opened in her name with this same bank including a Lowe 's credit card. I'm certain they are related to this.

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 2025-12-18 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: MI

Complaint narrative:
I am filing this complaint regarding XXXX XXXX ( XXXX ) and the inaccurate, inconsistent, and unverifiable reporting of account XXXX XXXX XXXX  on my consumer credit reports. This tradeline is being reported in a contradictory manner, including being coded as a collection/charge-off while also reflecting a {$0.00} balance and paid charge off/dispute-resolved language, which is inconsistent and misleading. These conflicting data points do not reflect the true status of the account and are harming my creditworthiness. 

I dispute the accuracy of this reporting and request that the furnisher and the credit reporting agencies comply with their duties under the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and to ensure maximum possible accuracy. I am also challenging the data integrity and Metro 2 formatting compliance of this tradeline because an account should not be structured to simultaneously present a paid/zero-balance status while still being reported as a charge-off/collection. 


Additionally, my consumer file contains heightened risk due to my personal information being compromised in major data breaches, and therefore any tradeline furnished under my identity must be supported by proper validation and competent evidence. To date, I have not been provided documentation sufficient to verify that this item is accurate, properly reported, and legally reportable. Because XXXX XXXX and/or the bureaus have failed to provide adequate proof and continue reporting inconsistent information, this account remains unverifiable and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Red Target LLC
State: FL

Complaint narrative:
Told me I can go online instead of providing the paperwork or documentation that I have asked for and they sent the validation documentation. They said back in XXXX and I never received it to XXXX XXXX XXXX and I was not staying there back in XXXX whenever they sent that paperwork there. 

They said they cant send it back because it wasnt sent back to them. 

I also wanted The exact amount owed & itemized breakdown ( fees, interest ). 
2. The original creditor 's name.

3. Proof they own the debt ( chain of assignment ).

4. Proof they have the legal right/license to collect in your state.

5. A copy of the original signed contract/agreement.

& they refused to send it but told me to go online whenever they are supposed to send it to me due to the fair credit act. Plus with me, not getting the validation letter because I was not residing there at the time. I didnt know what was going on and now theyre trying to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5700.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$6000.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$1100.00} Account name XXXX XXXX XXXX Account number XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$6400.00} Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX XX/XX/XXXX Balance {$5200.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date XXXX XX/XX/XXXX XXXX {$3200.00}

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by consumer reporting agencies and furnishers who have failed to properly investigate and correct inaccurate, unverified, and unauthorized information on my credit reports. This is my third formal dispute regarding these items. My CFPB complaint remains open, and I have not yet submitted an FTC identity theft report. Despite prior disputes, the inaccurate information continues to be reported, indicating a failure to conduct a reasonable investigation as required by law. 
ACCOUNT : XXXX XXXX XXXX XXXX  | High Balance : {$9700.00} | Date Opened : XX/XX/XXXX XXXX XXXX  ISSUE : This account is reporting late payments that are inaccurate. I never made any late payments as reported. The payment history being furnished is incorrect and misleading. This account has not been reported with accurate payment information, which violates FCRA requirements for maximum possible accuracy. I am disputing the late payment history only and am requesting that the inaccurate late payment markings be corrected to reflect an accurate payment history. If you are unable to verify the accuracy of each reported late payment, those late payment entries must be removed. 
INQUIRIES LISTED BELOW ARE DISPUTED AS UNAUTHORIZED AND NOT PERMITTED BY ME : XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX ISSUE : I did not authorize these inquiries, did not provide written or permissible purpose consent, and did not apply for credit with these entities. Under FCRA 1681b, consumer reports may only be accessed with a valid permissible purpose. Any inquiry without authorization is an FCRA violation and must be deleted immediately. If you can not provide proof of my authorization, these inquiries must be removed. 
I am requesting that the CFPB require the involved consumer reporting agencies and furnishers to conduct a lawful and reasonable investigation, correct inaccurate reporting, and delete any information that can not be verified as accurate and complete. I am also requesting written confirmation of all corrections and deletions once the investigation is completed.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA XXXX. This XXXX be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX  ] [ XX/XX/year> ] [ XXXX XXXX  ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ]

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 2025-12-18 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: NY

Complaint narrative:
I am filing this complaint regarding Experian, TransUnion, and Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). I have disputed multiple accounts with the assistance and also with a very helpful company that have helped me prepare them and organize the accounts that contain inaccurate, incomplete, and inconsistent information. Despite my disputes, the credit bureaus have failed to properly investigate, correct, or delete the inaccurate reporting and continue to verify the accounts without providing meaningful results. 

The bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i and failed to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). They also failed to provide a clear Method of Investigation upon request. Some accounts continue to report conflicting balances, dates, statuses, and charge-off information, even after being disputed multiple times.

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 2025-12-18 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate :

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 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
Current Creditor : XXXX Original Creditor : XXXX Re : XXXX  Reference Number : XXXX Original Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Balance : {$340.00} Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX I am writing this email for unauthorized charges on support be my account closed Account Number XXXX. I closed this account about in XXXX. I just recently discovered that my account was still open and for over a year, I had been charged with an additional phone ( XXXX ) to include my main phone number ( XXXX ). This is the second time that I came into the XXXX  office asking for my account to be closed. The first time I went into the XXXX office in XXXX GA XXXX Please check your record, you will see that request. Now, I came into the XXXX, GA office requesting to remove that additional phone, closed out my main phone, and delete my account from XXXX records. 
As of today XX/XX/XXXX, I received another report to my credit report from XXXX of another fraud. 
I have been having this issue since XXXX requesting this fraud information to be removed from the credit bureau. This account information has been sold to other collections agencies over the years and had caused demand to my credit history. See attachments of evidence used by me to delete this fraud information. This account had been paid for over 6 years but still remained as fraud account.

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 2025-12-18 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: LA

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 2025-12-18 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: LA

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 2025-12-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation