vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
All my credit score reports are showing delinquency, and late payments which are totally incorrect. All of this point to declining any possible credit card application, even secure ones so neither I can improve it with a credit card. I know my credit score is not reflecting how its been managed my finances and thats making troubles for me.

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 2025-04-08 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:
I am submitting this FTC report via CFPB to address these 2 fraudulent accounts to be blocked and removed in accordance to FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am submitting this FTC report via CFPB to address these 2 fraudulent accounts to be blocked and removed in accordance to FCRA 605B.

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 2025-04-08 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This complaint is against Synchrony bank as regards to an alleged debt. An account I had with XXXX XXXX, Synchrony bank was closed in XXXX as to economic hardship due directly to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Covid 19. I closed this account and was placed in a customer assisted program. I was paying XXXX XXXX monthly to an agreement amount then the remainder or balance was to be forgiven in a 1099c form. This did not happen and now this company, Synchrony bank is not holding up the agreement and wants to continue collecting monthly charges of {$85.00} after I already paid the agreed amount. Im now being contacted by agents of Synchrony bank, XXXX & XXXX XXXX on behalf of Synchrony bank as to collections letter I received by them today ( see attached ). Ive already disputed this with XXXX credit report and its in pending litigation, investigation. Because of Synchrony bank now not accepting its prior agreement in our customer assistance program and now attempting to collect additional money, Ive sent a cease and desist letter to not only Synchrony bank but its agent XXXX XXXX XXXX XXXX XXXX today, XX/XX/XXXX by certified mail, delivery confirmation with required signature as proof of delivery. These letters of cease and desist along with additional documents are dated XX/XX/XXXX and again being sent certified mail, signature required as proof of delivery today, XX/XX/XXXX. This XXXX account as to being in a customer assistance program is XXXX of XXXX accounts Synchrony bank had agreed to. The other account was a XXXX XXXX  credit card. That account was completed in this same customer assistance program and Synchrony bank did send the 1099c form as agreed to in XX/XX/XXXX for filing on my XXXX Taxs as earned income. I did receive this 1099c from from Synchrony bank and was claimed in my tax filing this year. The amount forgiveness in that account was {$4000.00} ( see attached ). Synchrony bank now is not holding up the agreement in this situation for this account and will not send out the 1099c form for forgiveness of this debt as agreed. As per this complaint, Im notifying both Synchrony bank and its agent, XXXX XXXX XXXX XXXX to cease and desist any further communication with me as to this alleged debt as indicated in my letters that are being sent out on 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 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX erroneously charged me move-out fees. XXXX Provided me a XXXX -day to dispute the validity of the charge which I did. Rather than addressing the dispute, XXXX refers the debt to collection agency Hunter Warfield of XXXX. I inform Hunter Warfield that I was dispute the debt with XXXX and that I elected to exhaust that venue. Hunter Warfield agreed and notified me in writing that they will do an investigation, to submit all documents that will help with that investigation, and they will send me a report once the investigation is done. To this day, Hunter Warfield never informs me of the findings of the investigation but came in with harassments and threats to force me to pay them, I requested the report of the investigation multiple times, Hunter Warfield can not provide me what they did. On the last phone call, Hunter Warfield warned me that if I did not pay, they were reporting. While I am still waiting for the reports to address my concerns, Hunter Warfield has gone his way to report me credit bureaus damaging my credit. Upon multiple requests for that report, Hunter Warfield finally responded on XX/XX/XXXX that they have conducted an investigation and the debt is valid, but they have requested validity as in the attached email, without emailing me such validity of deb they report to credit bureaus. I have great credit record, I always pay my debt, but this one I refuse because it is unfair and inaccurate. I need assistance addressing this concern because I have no money to pay to satisfy their bad practices. My rights to effectively dispute the debt was clearly obstructed both by XXXX and Hunter Warfield who appear to conspire to get money by all means. If this is allowed, then XXXX will never feel obligated to comply with tenant agreement because they can use Hunter Warfield as weapon to get money anyway even if they fail to provide the services under the agreement. Thank you so much for your assistance in this matter. 

Please see attached emails below. I have multiple more for proof of communication with Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
Im reaching out to dispute some incorrect information thats showing up on my credit report. Upon reviewing my report, I noticed an entry that is completely wrong, and I need this corrected immediately. The information in question is inaccurate, and I have no knowledge or involvement with it. It is vital that my credit report reflects only accurate data, as this could be affecting my financial standing.

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 2025-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of trafficking. I have issued a Trafficking Block Request by Experian on multiple occasions. I have provided the FCRA Section 605C Self-Attestation Form Human Trafficking Victim Determination Documentation, as well as a copy of my government ID, and the list of accounts which appears on my credit report, is the result of that trafficking. Unfortunately, after several weeks, Experian has not removed the items as I received a letter indicating that my information could not be verified. However all of my information is accurate and verifiable. Moreover, according to CRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2025-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-08 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: MI

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : I appreciate your prompt attention to updating or correcting these reported accounts. If this request is not addressed, immediate corrective action will be required. Thank you. 
XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Current I am requesting a verification of all information being reported for this account. While the payment status is listed as current, I would like to ensure that the entire reporting historyparticularly any past delinquencies or data inaccuraciesis accurate and up to date. If any unverifiable or outdated information exists, please correct it in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-08 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:
Upon reviewing my credit report, I found that the collection account in question contains inaccurate and incomplete information. Under the FCRA, 15 U.S.C. 1681i ( a ), credit reporting agencies are required to maintain accurate and complete credit files. Additionally, the FDCPA, 15 U.S.C. 1692e ( 8 ), prohibits debt XXXX from reporting false or misleading information to credit reporting agencies. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ( Original Creditor : XXXX ) XXXX Balance : {$0.00}

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 2025-04-08 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: OH

Complaint narrative:
My credit is very important to me, and the inaccuracies on my credit report are causing significant stress. There are mixed and fraudulent information on my report that are unknown to me and I never authorized or benefited from, and its affecting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. Thank you.

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 2025-04-08 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: NY

Complaint narrative:
My credit is very important to me, and the mistakes on my credit report are getting on my nerves and it's causing me significant stress. There are mixed and fraudulent information on my report that I never authorized or benefited from, and its affecting my ability to secure new credit. I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. This inaccuracy violates federal law and is unjustly affecting my credit standing. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
XXXX is reporting on my credit report as a CAR LEASE. This is incorrect information and it's preventing me from getting approved for car loans. This account is for wheels. I have tried to reach out to the company to correct this error and they refuse. It is against the law to knowingly report false incorrect information on someone's credit report. I would like this account to be removed for reporting false and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
XXXX is reporting on my credit report as a CAR LEASE. This is incorrect information and it's preventing me from getting approved for car loans. This account is for wheels. I have tried to reach out to the company to correct this error and they refuse. It is against the law to knowingly report false incorrect information on someone's credit report. I would like this account to be removed for reporting false and incorrect information.

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 2025-04-08 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-04-08 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided byXX/XX/XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. XXXX XXXX XXXX XXXX XXXX XXXX 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX & XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with explanation