vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: CA

Complaint narrative:
TekCollect has been calling and emailing me since XX/XX/XXXX concerning a debt on behalf of payment processing service company, XXXX XXXX XXXX, for the provider XXXX XXXX XXXX who has filed bankruptcy, broken contracts, offered customers services and guarantees that could not be met, and now owe readings to thousands of patients. 
I contacted TekCollect XX/XX/XXXX after discovering they reported me to all credit bureaus for collections at stating that I owe {$2100.00}. I asked if there was a written VALIDATION LETTER sent to me because I have not received one, instead only emails ( which is illegal ), as of XX/XX/XXXX, and they stated, No, they have only sent emails. So, I had to verbally request a written validation letter be sent to me so I can dispute the debt. They said that I should receive it in 7-10 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian & Transunion for improper and inaccurate reporting of a charged-off account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, negative accounts must be reported accurately, and charge-offs can not be re-aged or repeatedly reported each month as a new delinquency. However, Equifax, Experian & Transunion has continued to report this charge-off incorrectly, damaging my credit standing.

I have attached details.

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 2025-03-19 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:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian & Transunion for improper and inaccurate reporting of a charged-off account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, negative accounts must be reported accurately, and charge-offs can not be re-aged or repeatedly reported each month as a new delinquency. However, Equifax, Experian & Transunion has continued to report this charge-off incorrectly, damaging my credit standing.

I have attached details.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My account at Experian has a fraud alert placed on it. I recently applied for an XXXX XXXX and the requested that I remove the fraud alert or they must call me at the number on the Experian account. The number on the account is my old land line number which is disconnected. I need to access my Experian account and update the contact phone number. When I attempt to login to my account the email address is not correct. I called Experian and they requested that I provide ID information by uploading drivers license, social security card and utility bill to their website. It has been more than a week and I still have not received any information from Experian and it is not possible to get anyone on the phone who can help me with the account. I can not get the fraud alert removed, and I can not get the account recovered. The email address is wrong and I can not only suspect somehow it has been hacked. I am not able to navigate through the phone systems verification because of the information on the account so I have been unsuccessful and speaking with anyone at Experian who can help. So far I have spent hours working to resolve this and made no progress.

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 2025-03-19 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: IL

Complaint narrative:
I am writing to formally file a complaint against Experian for their inaccurate reporting of my auto loan with XXXX and their failure to conduct a fair and thorough investigation into my dispute. Despite my repeated efforts to rectify this issue, Experian has continued to report false and misleading information regarding the status of my account. 
The details of the account are as follows : Creditor : XXXX Account Number : XXXX Status : Paid, Closed/Never Late Experian has inaccurately reported that my loan was " Paid through insurance, '' when in reality, I personally paid off this account. 
This false reporting is misleading and has the potential to negatively impact my creditworthiness. I initially disputed this with Experian and requested that they correct the inaccuracy. However, instead of conducting a proper investigation, Experian dismissed my claim without sufficient verification and continued to maintain the incorrect reporting. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that the information they report is accurate and conduct a reasonable investigation when a consumer disputes an item. Their failure to do so constitutes a violation of my rights under the 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 2025-03-19 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:
Earlier today, I noticed some incorrect accounts appearing on my credit report, and I am unsure why they are there. As part of my routine check, I reviewed my report, but I was surprised to find these discrepancies. I refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I ask that my submitted documents be carefully reviewed to resolve this matter once and for all.

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 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I am filing a formal complaint against Equifax for failing to correct personal information on my credit report, and for failing to provide updated credit data to both creditors and credit monitoring services since XX/XX/year>. 

Despite repeated efforts, Equifax has not updated my legal name correctly, which continues to cause issues for lenders attempting to pull my report, as well as preventing XXXX XXXX and other monitoring services from accessing updates past XX/XX/year>. 
These failures violate 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus investigate and correct inaccurate or incomplete information within 30 days of being notified.

My name remains incorrect, affecting my ability to access credit. 

They have XXXX XXXX XXXX, THIS IS CORRECT. THEY NEED TO ADD XXXX XXXX XXXX AND XXXX XXXX. 

ALL 3 names need to be on there as I use them. They keep giving me the run around and its been this way since XXXX! 

Creditors are unable to retrieve my report, limiting my financial opportunities. 
XXXX XXXX and other services have received no updated data from Equifax since XX/XX/year>, indicating Equifax is not fulfilling its duty to maintain and report accurate, updated information. 

This situation has caused me financial harm, delays in credit applications, and significant inconvenience. Despite my attorneys involvement, Equifax has failed to take any corrective action. 

1. I have requested updates via an Attorny, they continue to ignore. 
2. I have called and they requested proof of my name which I sent, and they replied with a XXXX response, and continue to ignore. They tell me a " tech support '' will call me back and NEVER DO!!!! 
3. I have filled several complaints and they continue to ignore. 

Every time a creditor pulls my report to LOAN me money to buy a home they CAN NOT because they can not pull the Equifax report. This is causing financial harm, damages, delays and Equifax will pay heavily for this. See attachments and how they can not see the Equifax score and ARE using my correct and authorized name. How much more incompetence do I need to put up with? 

They have been sued and lost once, I will have to continue suing till they get it right. This is not rocket science.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Complaint Against Synchrony Bank Hardship Program Misrepresentation Issue Summary : I am submitting a formal complaint against Synchrony Bank ( CareCredit ) due to misleading and inconsistent information regarding a hardship assistance program. 

I contacted Synchrony multiple times via live chat to inquire about financial hardship assistance due to high medical debt and the overwhelming interest rate on my CareCredit account. During these conversations : I was told I qualified for a hardship program and was transferred to the appropriate team. 
After multiple transfers, I was suddenly told that no such program existsdespite previous confirmations. 

When I asked for written terms before enrolling, representatives refused to provide any. 
I was disconnected multiple times, leaving me with no clear answer or resolution. 
Synchronys lack of transparency, inconsistent information, and refusal to provide program details prevented me from making an informed financial decision.

Resolution Requested : To resolve this issue, I am requesting : A clear written response from Synchrony confirming whether a hardship program exists for CareCredit account holders. 

If the program exists, a full explanation of its terms, including interest rate adjustments, payment changes, and the impact on my credit report. 
If the program does not exist, an explanation for why I was repeatedly told otherwise. 
I am formally requesting that Synchrony provide this response in writing within 15 business days. 

If Synchrony does not respond with a resolution, I will escalate this complaint to additional regulatory agencies. 

Company Being Complained About : Business Name : Synchrony Bank ( CareCredit ) Business Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
This company is trying to collect {$750.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I demand the removal of these accounts within 4 days of receipt in accordance with FCRA 605B.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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