vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite efforts to resolve this directly with the reporting agency, it remain unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-05 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00}

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 non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00}

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 non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am submitting this complaint due to two inaccurate or misleading entries on my credit report : 1. XXXX XXXX 30-Day Late Payment ( XX/XX/year> ) Account # : XXXX All three credit bureaus are reporting a 30-day late payment for XX/XX/year>. I was never properly notified of any missed payment, and I believed the account was in good standing. Since that date, all payments have been made on time, as shown in the recent credit history. This appears to be an isolated case, likely due to a posting delay or miscommunication. I respectfully request a reinvestigation and removal of this derogatory mark under FCRA 611 and 607 ( b ). 

2. XXXX XXXX XXXXXXXX Inaccurate Closure Status Account # : XXXX This revolving account is being reported as Closed by credit grantor. This is inaccurate. I personally requested closure of the account in XX/XX/year> after paying off the full balance. It was a voluntary action, not forced by the creditor. I request that the closure status be updated to : Closed at consumers request or Account closed by consumer to reflect the actual circumstances. 

Ive attached supporting documentation including a recent credit report, government-issued ID, proof of address, and Social Security verification .

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 2025-06-05 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: FL

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX fl XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital is inaccurately reporting a debt to XXXX  that has already been deleted by both XXXX  and XXXX. I previously requested full validation of the alleged debt, including legal proof of ownership and assignment, but Jefferson Capital failed to provide the required documentation. Despite this, they continue to report the account, which is harming my ability to qualify for a mortgage. This is a clear violation of my consumer rights under the FCRA. SUPPORTING DOCUMENTS INCLUDING SCREENSHOTS SHOWING DELETION FROM EXPERIAN AND TRANSUNION ARE ATTACHED FOR REVIEW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>2025, I submitted formal credit disputes via certified mail to Experian, Equifax, and TransUnion. I included identification, a list of inaccurate or unverifiable accounts, and a request for investigation under FCRA Section 611.

I received no response, no confirmation of investigation results, and the accounts remained unchanged on my reports without even being marked disputed by consumer. This violates FCRA XXXX ( a ) ( XXXX ). 
On XX/XX/year>2025, I mailed Method of Verification ( MOV ) letters via certified mail with return receipt to all three bureaus. I requested the name of the furnisher, method used to verify, and all documentation reviewed.

To date, I have received no communication or verification of these items, and the accounts remain reporting as if no investigation ever occurred.

I am requesting a full CFPB investigation into Experian, Equifax, and TransUnions failure to investigate, notify, or correct my report and I request that all unverifiable accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>2025, I submitted formal credit disputes via certified mail to Experian, Equifax, and TransUnion. I included identification, a list of inaccurate or unverifiable accounts, and a request for investigation under FCRA Section 611.

I received no response, no confirmation of investigation results, and the accounts remained unchanged on my reports without even being marked disputed by consumer. This violates FCRA XXXX ( a ) ( XXXX ). 
On XX/XX/year>2025, I mailed Method of Verification ( MOV ) letters via certified mail with return receipt to all three bureaus. I requested the name of the furnisher, method used to verify, and all documentation reviewed.

To date, I have received no communication or verification of these items, and the accounts remain reporting as if no investigation ever occurred.

I am requesting a full CFPB investigation into Experian, Equifax, and TransUnions failure to investigate, notify, or correct my report and I request that all unverifiable accounts be deleted.

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 2025-06-05 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a 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 2025-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In early 2025, I disputed a collection account reported by Equifax from XXXX XXXX  XXXX ( original creditor : XXXX ). Equifax responded that the account had been verified and refused to remove it. 

However, after disputing the same account with XXXX, they reviewed the case and removed the collection account from my credit report, which confirms that the information is inaccurate or unverifiable. 

I also contacted XXXX  by phone, and they confirmed that the account could not be validated and that it will be removed within 30 days. This further supports that the information Equifax continues to report is not reliable. 

I was never notified by XXXX that the debt would be transferred to collections, and I have no direct agreement with XXXX XXXX XXXX. I requested proper validation but never received supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), all credit reporting must be accurate, complete, and verifiable. Since the account has been removed by XXXX  and is scheduled for removal by XXXX, I respectfully request that Equifax also delete this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies currently reflected in my credit report. Despite previous disputes, several items remain unresolved : Closed Accounts Still Showing Active Two accounts that have been fully paid and closed are still inaccurately reported. Please update the status of these accounts to reflect Paid in Full and Closed accordingly.

Hard and Soft Inquiries My credit report shows multiple hard and soft inquiries. I request a thorough review of these entries and removal of any inaccurate or duplicate inquiries.

Incorrect or Outdated Addresses My report continues to list multiple previous addresses, even though Ive filed formal disputes in the past. I respectfully ask for these outdated addresses to be removed, and for only my current address to be retained.

Please provide written confirmation once the above errors are corrected, along with an updated copy of my credit report reflecting these changes.

Thank you for your attention to this matter.

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 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: WI

Complaint narrative:
I requested a written settlement agreement stating that my payment of {$1900.00} would settle my {$2300.00} debt with XXXX XXXX in full and stop all collection efforts. I also asked to speak with a supervisor when they refused to provide the written agreement, but they said a supervisor wasn't available and wouldn't give a callback time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My Complaint is with my XXXX XXXX XXXX by Synchrony Bank. I used it a little over a year ago for some dental work ( {$6000.00} ). I have made payments well above the minimum only to have them hit me with the total interest for the XXXX period without notifying me. They say it was a " promotional period '' with no interest rate which has expired ; therefore, I have to pay over {$1200.00} in back interest. 

I never received proper notification of such action prior to the interest charge. I am a legal professional myself and believe this to be " predatory lending '' practices. These folks prey on older individuals and those with poor credit. 

The only notice provided was buried in small print on my statements. I never received a clear notification by email, mail, or phone that the promotion was ending, nor that I needed to pay the full balance to avoid interest. Had I known, I would have paid the full amount to avoid this penalty. I was actively paying it off and assumed everything was on track. I chatted with a representative, but they simply referenced online statements. I feel blindsided. This has caused me emotional stress and financial hardship. I'm asking for the {$1200.00} interest charge to be reversed and to pay only the remaining balance I owed before this charge. 

Again, I believe this is a deceptive lending practice and not consistent with fair disclosure standards.

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 2025-06-05 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
I am disputing an alleged debt of {$3300.00} being reported and collected on behalf of XXXX XXXX by McCarthy , Burgess & Wolff , Inc . The debt is invalid and based on misrepresentations by XXXX. 

On a recorded call with a XXXXXXXX XXXX  XXXX XXXX ), I was assured that no balance would remain if I returned XXXX devices, which I did. The devices were confirmed as received. I provided this recording as evidence to the debt collector, XXXX XXXX, on XX/XX/year>. Despite this, XXXX sent a letter dated XX/XX/year>, claiming I still owe the balance, and I have continued to receive collection calls, including on XX/XX/year>. 

These actions violate the Fair Debt Collection Practices Act ( FDCPA ) and Georgias Fair Business Practices Act, including : Failure to validate the debt properly ( 15 U.S.C. 1692g ) Continued collection without verification False or misleading representations ( 15 U.S.C. 1692e ) Harassment ( 15 U.S.C. 1692d ) I have requested, in writing, that XXXX and its agents cease all collection activity and remove the debt from any internal systems or credit reporting agencies. They have not complied. I am seeking CFPB intervention to enforce my rights and stop further collection activity. 

NOTE : I have these audio conversations recorded, but I am unable to upload them due to file size restrictions. Let me know how you would like to receive them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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