vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$530.00} - Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} - Account XXXX XXXX XXXXXXXX XXXX XXXX - Balance : {$1100.00} - Account XXXX XXXX XXXX XXXX  - Balance : {$3600.00} - Account XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a whole packet of statements pertaining to what they believe is myself. I asked for the original agreement with my identity as Ive been a victim of identity theft I have not received anything only statements that does not identify myself as your original account holder. They have my legal name wrong. My legal name is XXXX XXXX XXXX. This is an error and fraud.

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 2025-05-31 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: FL

Complaint narrative:
This charge-off account remains on my report despite my dispute. XXXXXXXX XXXX has failed to provide legal documentation proving the accuracy of the account. Payment history appears incorrect, and no contract or original agreement was provided to verify this debt.

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 2025-05-31 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: IL

Complaint narrative:
I contacted Equifax XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX I was connected maybe XXXX ; XXXX the call was disconnected at XXXX ; XXXX about a Dispute against them reporting an Insertion account on my credit report which is a violation I wasn't notified within 5 days of the reinsertion. this account " XXXX XXXX XXXX XXXX' account was removed XX/XX/year> and RE-INSERTED XX/XX/year>. I requested notice to prove they haven't violated the FCRA because I wasn't notified of the reinsertion still doesn't have such notice it's been months. I also requested a method of Verification I asked who was Interviewed which confirmed this account 100 % belongs to me, what day/time did you speak, what documents were presented to you, what did they say, also what phone number did you call. I was told by representative ID number XXXX They CAN NOT provide this information I requested to speak with the supervisor I was on hold for awhile then they sent the call to the survey and the call was disconnected. when has a method of verification become restricted to the consumer request? I have received a notice from Equifax stating the account Isn't present on my credit report XX/XX/year> but XX/XX/year> I received a notice the account has been verified, and is accurate also the dispute is pending will be available in 30 days, but the rep stated I have no pending disputes. I'm aware Equifax is being used for this exact reason not properly investigating disputes, I'm a witness Equifax is violating many rights here FCRA, FDCPA, and Regulation F. Unlawful reinsertion without notice per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) Denial of method of verification Request 15 USC 1681 ( a ) ( 6 ) ( B ) ( III ) Given the above violations I demand an immediate deletion and to be provided with written confirmation of the deletion, also provide a complete method of verification including the name and contact details of the party who verified the information. failure to comply within 15 days will result in complaints being filed with the CFPB once more, the federal trade commission and my state attorney general 's office. I also reserve the right to seek legal remedies for damages resulting from the unlawful reinsertion and equifax 's non compliance. also Equifax is the only credit agency reporting this information and refuse to investigate, and remove accounts from consumers reports. 


Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 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 and crimes which antedates the report by 7 years.

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 account belongs to 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Name : XXXX XXXX Consumer ID:XXXX Date of Birth:XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Specifically, late payments reported by XXXX on my auto loan account # XXXX XXXX XXXX XXXX XXXX  is incorrect and should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
Cancel insurance and they claimed it was still money owed on the policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX Date of Birth : XXXX Experian Dispute Department XX/XX/XXXXXXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Removal of Inaccurate Account 's Dear Experian Dispute Team, I am writing to formally dispute the accuracy of a tradeline listed on my Experian credit report. The account in question is reported as follows : 1 ) Creditor Name : XXXXXX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Original Creditor : XX/XX/XXXX ) Creditor Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1900.00} Original Creditor : XXXX XX/XX/XXXX XXXX 


3 ) Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1000.00} Original Creditor : XXXX These account is being reported as a collection item. I am requesting, under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, that you conduct a thorough investigation into this entry. I dispute its accuracy and/or completeness for the following reasons : I have no contractual agreement with XXXX XXXX XXXX. or XXXX XXXX XX/XX/XXXX The debt has not been properly validated per FCRA guidelines. 

The date of delinquency and balance appear inconsistent with my records. 

This account was previously marked as disputed, but no verifiable evidence of its legitimacy has been provided. 

Pursuant to the FCRA, you are required to investigate and verify the accuracy of the information within 30 days of receipt of this letter. If the information can not be verified, it must be corrected or removed from my credit file. 

Please provide me with a copy of the results of your reinvestigation, including the name, address, and phone number of any furnisher of information who was contacted during the investigation. If this account can not be verified, I respectfully request that it be deleted immediately from my credit report. I have enclosed a copy of my government-issued ID, Social Security card , and a utility bill to confirm my identity and address, as well as a copy of the relevant page from my Experian report for refere
nce.

Thank you for your attention to this matter. Please send your findings to the address above. 

Sincerely, 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Banking and reporting errors are actively and unjustly damaging my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally obligated to apply payments and credits accurately and to provide clear and timely billing statements. However, my account reflects serious violations of these requirements : payments I made were not properly recorded, there are evident calculation discrepancies, and I was not given the federally mandated 21-day advance notice before payment was due. As a result, any reported late payments are invalid. These errors constitute a clear violation of federal law and are causing significant and unlawful harm to my credit standing. I demand immediate correction and full compliance with all applicable legal obligations.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
it all began XX/XX/year> we got hacked thru XXXX XXXX and they XXXX complete control over my bank and while they are hacking i cant even access my phone it been XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ever we havve had not gotten anywhere I need to kmnow where XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Looking at my credit report I found some inaccuracies and I world like for you to remove them please, I had no knowledge of them, lease remove all hard inquiries and collections that arent mines, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX at XXXX To who it may concern : I am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your oce provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; -Provide me with your license numbers and Registered Agent. 
If your oces have reported invalided information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your oces are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time, all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your oces fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IN

Complaint narrative:
On XX/XX/XXXX, attached correspondence was sent to resolve an account with XXXX Credit Card in the amount of {$850.00}. A payment arrangement was made to settle the account and was paid on XX/XX/XXXX in the amount of {$470.00}. The correspondence states that Our Policy is that we will request the credit bureaus delete our tradeline approximately 30 days after the final payment has been posted that resolves the account. The account is still actively being reported to Equifax with a balance still due, instead of the tradeline being deleted. I spoke with XXXX ( Agent ID XXXX ) today that said that XXXX XXXX XXXX is showing the information is accurate and refused to answer as to why the information was incorrectly being reported when the information was provided in the first dispute. I was told to mail in documents even though I've already been uploading them through the dispute center through Equifax. The tradeline needs removed entirely from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
XXXX XXXX XXXXs reporting a {$1800.00} collection account allegedly originating from XXXX. I am demanding an immediate deletion due to violations of multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection statutes. XXXX XXXX  is reporting an alleged debt without : A contractual agreement bearing my wet ink signature. Legal chain of custody or assignment from XXXX. Proof of ownership or right to collect. Permissible purpose to access or report my consumer data. This is a direct violation of my consumer rights under federal law. 15 U.S.C. 1681b ( Permissible Purpose ) XXXX XXXX accessed and reported my credit file without documented legal purpose. Under FCRA 1681b, a collection agency must possess a legal assignment of debt to have permissible purpose. They have failed to demonstrate this. 15 U.S.C. 1681e ( b ) ( XXXX XXXX ) XXXX XXXX has reported false, unverified, and legally unsupported information. Reporting an account without documentation of ownership or consumer consent is reckless and unlawful. 15 U.S.C. 1681i ( Investigation Procedures Upon dispute, XXXX XXXX and the credit bureaus failed to provide : A signed agreement, Assignment from the original creditor ( XXXX ), Date of delinquency, Itemized accounting. Instead, they merely confirmed the dispute as " verified '' without actual evidencea known tactic used to bypass FCRA-mandated reinvestigation procedures. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX  has a duty to report only accurate and verifiable information. Reporting without assignment violates this duty. 15 U.S.C. 1681n ( Willful Noncompliance ) This is not a clerical errorit is a willful violation of federal law. I reserve my right to pursue monetary damages under this provision. 15 U.S.C. 1681 Section 602 ( a ) ( Purpose of the FCRA ) The FCRA was enacted to ensure fair and accurate credit reporting. Reporting unverifiable third-party debt based on hearsay and no contract violates the spirit and letter of the law. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) There is no legitimate, provable permissible purpose under this statute for XXXX XXXX to access or report my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation