vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: Self Financial Inc.
State: NC

Complaint narrative:
XX/XX/year> Self Financial , IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Debt Validation & Late Payment Dispute Account # XXXX Self Financial, XXXX Kansas XXXX XXXX XXXX XXXX Kansas XXXX XXXX MO XXXX XXXX : Debt Validation & Late Payment Dispute Account # XXXX To Whom It XXXX Concern, I, XXXX XXXX XXXX XXXX the accuracy and completeness of the information being reported on Account # XXXX. This is a formal request for full validation of this account and correction of any inaccurate information pursuant to the Fair Credit Reporting Act ( XXXX USC XXXX et seq. ) and any applicable state laws. 

Please provide : XXXX. XXXX signed contract or agreement creating this account. 
XXXX. Proof that Self Financial legally owns, services, or is authorized to collect on Account # XXXX and XXXX XXXX. Complete payment history and account ledger, including : All payments made Dates and amounts All fees, interest, and other charges Any charge-o information XXXX. Full itemization and explanation of how the current balance was calculated from the opening of the account to the present. In addition, I specifically dispute any late payments being reported on this account. If you are reporting any XXXX, XXXX, XXXX or longer delinquencies for Account # XXXX and XXXX I am requesting : Documentation proving each reported late payment is accurate, including internal records and payment posting dates, and If you can not fully substantiate each late mark with proper records, that you immediately request deletion of the late payment notations from all consumer reporting agencies to which you have furnished this data, as required under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). If you are unable or unwilling to provide complete validation and documentation as requested, you must : Cease all collection activity on this account, and Delete any negative information, including late payments, related to this account from my credit reports. 

Please send all documentation and responses to my email : XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: MA

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 explanation
Consumer complaint received 2025-11-22 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 explanation
Consumer complaint received 2025-11-22 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX the final payment for the account was made and the account was supposed to be closed. I have emails directly from XXXX with XXXX receipts saying it was paid XXXX on XX/XX/XXXX. When I called I went thru there dispute process but did not favor me. Im not entirely sure if I opted out of arbitration. I called the PA XXXX ( general help line ) on XX/XX/XXXX and asked them for a mailing address for arbitration. The person told me they could not help me. I recorded the call for clarity. They refuse to clear my credit and holding it hostage.I have my pay log from my emails but they locked me out of the application. On or soon after XX/XX/XXXX. Its severely affecting my credit payment history.

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 2025-11-22 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: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-22 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask XXXX XXXX for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached copy of my ID, The FTC complaint. Showing my information being exposed in a national database.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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 formal complaint to dispute several inaccuracies on my credit report that are adversely affecting my credit score and financial opportunities. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I identified multiple discrepancies that require immediate attention. First, there are several incorrect addresses listed under my name : Experian reports XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and TransUnion reports both XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX, none of which correspond to my actual residential history, violating FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ), which mandates the accurate reporting of personal information. Additionally, I am disputing the charge-off from XXXX XXXX XXXX XXXX  ( account number XXXX ) with a reported balance of {$630.00}, as I believe this debt was settled and should be marked accordingly. I also dispute the XXXX form issued for this account, as I have never received official documentation regarding the cancellation of this debt, violating FCRA XXXX ( XXXX U.S.C. XXXX ) on billing errors and documentation of cancelled debts. Moreover, I am challenging several inaccurate collection accounts, including XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ), listed with a balance of {$630.00} under Experian, and XXXX XXXX ( original creditor XXXX XXXX XXXX. ), reported with a balance of {$430.00} under both Experian and Equifax, as well as XXXX XXXX ( from XXXX XXXX ) with a balance of {$460.00} on TransUnion, all of which I believe are either invalid or settled and should be removed under FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ) and FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ), which require the maximum accuracy and thorough investigation of disputed information. Additionally, I am disputing unauthorized credit inquiries, specifically the inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX ( reported by Experian ) and inquiries from XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX reported by Experian and TransUnion ) XXXX which were made without my consent and violate FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ), which mandates consumer consent for credit report access, and FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ), which requires a permissible purpose for all inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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 formal complaint to dispute several inaccuracies on my credit report that are adversely affecting my credit score and financial opportunities. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I identified multiple discrepancies that require immediate attention. First, there are several incorrect addresses listed under my name : Experian reports XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and TransUnion reports both XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX, none of which correspond to my actual residential history, violating FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ), which mandates the accurate reporting of personal information. Additionally, I am disputing the charge-off from XXXX XXXX XXXX XXXX  ( account number XXXX ) with a reported balance of {$630.00}, as I believe this debt was settled and should be marked accordingly. I also dispute the XXXX form issued for this account, as I have never received official documentation regarding the cancellation of this debt, violating FCRA XXXX ( XXXX U.S.C. XXXX ) on billing errors and documentation of cancelled debts. Moreover, I am challenging several inaccurate collection accounts, including XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ), listed with a balance of {$630.00} under Experian, and XXXX XXXX ( original creditor XXXX XXXX XXXX. ), reported with a balance of {$430.00} under both Experian and Equifax, as well as XXXX XXXX ( from XXXX XXXX ) with a balance of {$460.00} on TransUnion, all of which I believe are either invalid or settled and should be removed under FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ) and FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ), which require the maximum accuracy and thorough investigation of disputed information. Additionally, I am disputing unauthorized credit inquiries, specifically the inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX ( reported by Experian ) and inquiries from XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX reported by Experian and TransUnion ) XXXX which were made without my consent and violate FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ), which mandates consumer consent for credit report access, and FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ), which requires a permissible purpose for all inquiries.

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 2025-11-22 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: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

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 2025-11-22 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: GA

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-11-22 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:
CFPB COMPLAINT XXXX XX/XX/XXXX ( XX/XX/XXXX XXXX FRAUD / PHANTOM DEBT ) Subject : XXXX XXXX Reporting Inaccurate, Fraudulent, and Unverifiable Debt ( XX/XX/XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX for reporting a fraudulent XX/XX/XXXX XXXX collection account that does not belong to me and does not match my actual XX/XX/XXXX XXXX credit history. 

XXXX is reporting : An alleged XX/XX/XXXX XXXX debt with a {$460.00} balance An open date of XX/XX/XXXX, which is impossible No Date of First Delinquency No closed date A completely different account number sequence No corresponding charge-off or delinquency from XX/XX/XXXX XXXX My real XX/XX/XXXX XXXX account on my credit report shows : Opened XX/XX/XXXX Closed XX/XX/XXXX {$0.00} balance No late payments Never charged off Never sold to collections Paid in full This proves the XX/XX/XXXX tradeline is not my account, and XXXX is reporting a phantom debt with no connection to my legitimate XX/XX/XXXX XXXX history. 

XXXX has never sent a validation notice, violating FDCPA 809 ( b ). 
XXXX has also failed to supply any documentation, contract, statements, charge-off records, or assignment documents proving this debt is mine. 

This reporting violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) failure to update incomplete/incorrect info FDCPA 807 ( 2 ) ( A ) misrepresenting the character of a debt FDCPA 809 ( b ) failure to validate before reporting Requested Resolution : I request immediate deletion of this XXXX XX/XX/XXXX tradeline from all credit bureaus due to fraud and failure to validate.

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 2025-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: IL

Complaint narrative:
During my tenancy at XXXX XXXX in XXXX, FL, I purchased a property and requested an early termination from my lease agreement, the penalty was 2 months rent. Nevertheless, I see the amount still owed is more than two months rent without reducing the security deposit from it. 

I contacted this creditor multiple times to pay my balance and I was never ever able to get a phone call back or get the final statement while I reached out by phone and multiple in-person visits at the leasing office. I just stopped for a while looking to pay for the balance due due to early termination penalty amount minus security deposit paid. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WV

Complaint narrative:
NELNET took over my student loans. After they took over responsibility I paid these loans in the amount of {$22000.00}. I paid them 100 % in full. I have the proof of this on my credit report after I paid them. 

Roughly a month after I paid these loans I was shocked and disgusted to see them back on my credit report as not only still owed but they had added money that I owe them! I have reported this and they continue to try and verify this loan. 

I would like to have them removed and sue them because it has been more than a year and caused me more than a few times to keep me from getting loans for cars! 

This is very unprofessional and should not be tolerated.

Company response to consumer: Closed with explanation