vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am writing to formally dispute the reporting of a child support account that appears on my credit report. After reviewing my consumer file, I have identified an inaccurate and improperly verified item concerning child support that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 1681s-2 ( a ).

According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. I contend that the reporting and continued furnishing of this child support account does not fall under those clearly defined permissible purposes and was shared or used without proper authorization or legal standing.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to provide accurate information and to correct and update information that they determine to be incomplete or inaccurate. I have reason to believe that the agency reporting this child support obligation failed to conduct a proper investigation into the validity of this account. This includes failing to validate whether the account is legally enforceable or accurate, and whether it should be reported in the manner in which it has been. 

Because of the failure to follow these legal requirements, I am requesting that this item be immediately removed from my credit report. The presence of this inaccurate entry is causing undue harm to my creditworthiness and overall financial wellbeing.

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 2025-07-14 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: NC

Complaint narrative:
I am writing to formally dispute the reporting of a child support account that appears on my credit report. After reviewing my consumer file, I have identified an inaccurate and improperly verified item concerning child support that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 1681s-2 ( a ).

According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. I contend that the reporting and continued furnishing of this child support account does not fall under those clearly defined permissible purposes and was shared or used without proper authorization or legal standing.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to provide accurate information and to correct and update information that they determine to be incomplete or inaccurate. I have reason to believe that the agency reporting this child support obligation failed to conduct a proper investigation into the validity of this account. This includes failing to validate whether the account is legally enforceable or accurate, and whether it should be reported in the manner in which it has been. 

Because of the failure to follow these legal requirements, I am requesting that this item be immediately removed from my credit report. The presence of this inaccurate entry is causing undue harm to my creditworthiness and overall financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I did not authorize this account. I never did any business with this company.

You violated the United States Code, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, by accessing and/or using my consumer report without a legally permissible purpose as defined under federal law.

Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer report may only be furnished under specific conditions, such as with my written authorization, in connection with credit transactions I initiated, or for other narrowly defined legal reasons.

I did not authorize this inquiry or transaction, nor was there any permissible purpose that would lawfully allow access to my credit report. This constitutes a clear violation of my consumer rights under federal law.

I am requesting that this matter be fully investigated and that appropriate enforcement actions be taken against the party responsible for this unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, ( FCRA ), to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian 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 Experians 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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverifiable, and non-compliant accounts currently being reported by all three major credit bureaus Experian, TransUnion, and XXXX  which are negatively affecting my credit profile and ability to access fair credit. 

These accounts include : XXXX XXXX XXXX ( XXXX ) {$260.00} collection ( Experian & TransUnion XXXX XXXX XXXX XXXX {$200.00} charge-off ( Experian, TransUnion, XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX {$1200.00} charge-off ( TransUnion & XXXX XXXX  XXXX have not received any written notice, signed agreement, billing statements, or proper validation from the furnishers reporting these tradelines. The accounts are reporting outdated payment history, conflicting balances, and inaccurate data, in violation of Metro 2 formatting guidelines and FCRA 609 ( a ) ( 1 ) and 611 ( a ).

I am requesting that the CFPB ensure these accounts are : Fully deleted from all three credit reports If they can not be verified with original source documentation, I request the items be blocked and deleted within 7 days under FCRA 611 ( a ) ( 5 ) ( A ) for being unverifiable or inaccurate.

This is my first formal complaint and dispute of these items, and I expect a lawful resolution. These negative accounts are causing serious harm to my creditworthiness and were never properly validated by any party involved. I appreciate the CFPBs assistance in resolving this matter quickly and fairly.

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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account appearing on my credit report. The account in question is listed under XXXX XXXX XXXX, with a reported balance of {$1000.00}, and is being managed by TrueAccord Corp. ( account number XXXX, Affirm account ending in XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation into this account and provide the following : 1. Full documentation that verifies the debt is valid and belongs to me.

2. Proof of the original agreement bearing my signature.

3. Complete payment history, including all charges and credits applied. 
4. Documentation showing that XXXXTrueAccord had the legal authority to collect or report this debt.

Until this information is verified and provided, I respectfully request that this account be removed from my credit file in compliance with the FCRA and FDCPA guidelines. 
This account is damaging my credit profile and may be reported in error, lacking the appropriate documentation or validation. If you are unable to verify the debt within the legally required timeframe, I request that it be permanently removed.

Please mail me the results of your investigation to the address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Signature if mailing ]

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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I held a credit card with XXXX XXXX from XXXX to XXXX when it was closed. Goldman Sachs says they purchased the account as open on the XXXX buyout, confirmed no physical card was ever issued, then agreed to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have repeatedly informed this credit bureau that the information on my report is inaccurate, and despite my efforts, they have failed to correct the errors. I requested documentation from the furnisher to verify the accounts, but they have not complied. I am filing a complaint under Section 609 of the FCRA due to their failure to investigate and correct the inaccuracies. They have not provided me with what I asked for. Which is something showing my signature on application. I will not accept a list of historical accounts transactions as debt. They where are able to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchased 3 items and return them as per the return policy ( within 30 days ). I received written acknowledgement of the return, but Synchrony Bank refuses to credit me saying I didn't actually return it even though I did.

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 2025-07-14 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 2025-07-14 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 have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 non-monetary relief
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These charge-off account is inaccurate and must be removed.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am exercising my right to dispute information that is incomplete or unverifiable. The charge-off reported is either inaccurate, outdated, or the result of identity theft.

If the creditor can not provide proper validation under 15 U.S. Code 1681b and 1681s-2 ( b ), it must be deleted. Continuing to report unverifiable or fraudulent information is a violation of federal law.

I request an immediate investigation and removal of this charge-off. Please provide written confirmation of your findings and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AE

Complaint narrative:
Lexington law did not remove late payments from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been brought to my attention that my personal information has been exposed in several data breaches, resulting in accounts being reported that I do not recognize. Due to this, I have prepared an FTC reports that details all of the accounts I am referring to. Under FCRA laws, these accounts must be validated and not just verified. If they can not successfully and thoroughly be validated I am requesting that they be removed within 10 days of submitting this complaint. 

Please see attached files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reportin
g agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief