vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this Identity Theft Affidavit to report fraudulent accounts and collections appearing on my credit report that I did not authorize. 

This includes a personal credit card by XXXX XXXX XXXX, now owned by XXXX XXXX XXXX ( Account # XXXX, Balance {$880.00} ). This account and the related hard inquiries and collection entries are the result of identity theft and were not opened or initiated by me. 

I am a victim of identity theft, and I do not recognize this account or any associated collection activity as valid. The presence of this information on my credit report is negatively impacting my credit standing and is in direct violation of my consumer rights under federal law. 

I have attached an FTC Identity Theft Report as evidence, along with supporting documentation from my consumer credit report highlighting the fraudulent entry.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this Identity Theft Affidavit to report fraudulent accounts and collections appearing on my credit report that I did not authorize. 

This includes a personal credit card by XXXX XXXX XXXX, now owned by XXXX XXXX XXXX ( Account # XXXX, Balance {$880.00} ). This account and the related hard inquiries and collection entries are the result of identity theft and were not opened or initiated by me. 

I am a victim of identity theft, and I do not recognize this account or any associated collection activity as valid. The presence of this information on my credit report is negatively impacting my credit standing and is in direct violation of my consumer rights under federal law. 

I have attached an FTC Identity Theft Report as evidence, along with supporting documentation from my consumer credit report highlighting the fraudulent entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) as my client has identified inaccurate, unverifiable, or outdated information on their credit report. The credit reporting bureau has requested a Power of Attorney ( POA ) as a prerequisite to processing the dispute. As the authorized representative for my client, I am attaching the required POA documentation to ensure compliance with their request. However, under the FCRA, credit reporting agencies are obligated to conduct reasonable investigations and can not impose unreasonable barriers, such as additional documentation, to dispute investigations ( 611 of the FCRA, 15 U.S.C. 1681i ).

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 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Bank has enlisted an attorney by the name of XXXX XXXX to sue me and file a civil lawsuit against me where the statute of limitations in Oklahoma has passed. This is a time barred complaint and by doing so this seems not only unlawful, but appears to be a violation of the FDCPA. Synchrony bank has had lawsuits before for sketchy and unfair business practices and it appears they are doing so again.

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 2025-04-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiry Under FCRA ( 15 U.S. Code 1681b ) Dear Experian, I am writing to formally dispute a credit inquiry that appears on my credit report. I recently reviewed my credit file and found an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that I do not recognize and did not authorize any of these.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, a credit inquiry can only be made with a consumers consent or for specific permissible purposes, such as a firm offer of credit, insurance underwriting, or employment ( with permission ). To the best of my knowledge, none of these conditions apply in this case.

Please provide the following : 1. The name and contact information of the party that initiated the inquiry.

2. Documentation showing that I authorized or initiated this inquiry. 



If you can not verify that the inquiry was authorized, I request that it be removed from my credit report immediately, per the FCRA. 



I have enclosed a copy of my Government issued ID, and social security card Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 



Sincerely, 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 2025-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
My son had an emergency visit in 2018 at the time we were on traditional Medicaid I have tried proving it and was told thats who should have received the bill instead I got a notice in XXXX to come to court was in training for a job a couple weeks later my checks were being garnished. Tried contacting everyone possible to show Medicaid was the payor of the bill and still no one had contacted me back after 30 days. And Medicaid is still saying they should not have billed me as a Medicaid client and why are they billing me after all these years. I need help can hardly meet bills falling behind on everything and no one can answer my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX, XXXX, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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 non-monetary relief
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX, XXXX, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
On or around XX/XX/XXXX, I received a notice on XXXX XXXX regarding a collection account ( please see dispute documentation XXXX XXXX dispute 1 ). I was unaware of what this account was. On or around XX/XX/XXXX, I received the investigation update advising the dispute was denied and to contact the company. I contacted Diversified Adjustment SVC, who advised they were a collection agency for XXXXXXXX XXXX. On or around XXXX XXXX XXXX, I contacted XXXX in regards to this matter. I explained that I had moved and my landlord was supposed to transfer the utilities into her name and I was waiting for a final bill. XXXX advised that the landlord never transferred the utilities, and I had a delinquent amount of XXXX. I advised I had never received a bill and only found out about this when I got a notice on my XXXX XXXX. I was advised that I had to pay it through Diversified Adjustment SVC, but it wouldn't stay on my credit. On or around XX/XX/XXXX, I contacted Diversified Adjustment SVC and paid the amount. I expected it to be removed however it never was. I contacted diversified Adjustment SVC and advised what I was told by XXXX ( the utility company ) and was told, it doesn't matter what I was told. I attempted to dispute it through the bureaus, however it was denied. On XX/XX/XXXX, I contacted XXXX again and requested my account information and for it to be removed. I was advised it would be removed and I was sent a copy of my account, showing the written off charges were reversed and the payment made. I also saved the chat log with XXXX where they advised it would be removed ( please see XXXX XXXX and chat transcript with XXXX  agreeing the collection should be removed ). After I received this documentation I contacted Diversified Adjustment SVC and advised what XXXX had said and that I have the documentation, I was advised that " They don't care what XXXX said, and its not up to them to make deals '', when I advised again the documentation I had, I was advised to send it to them and they would consult their client. I advised that XXXX said it would be removed and I never even received a bill, from XXXX or them. They were quite rude and said they mailed me a bill in XXXX ( which I never received ). As of today I have not received anything from XXXXiversified Adjustment SVC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I must emphasize that this complaint is legitimate and demands immediate action. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are not only misleading but are actively causing ongoing harm to my financial stability and personal well-being. The emotional and practical toll this has taken is substantial. I am calling for these inaccuracies to be thoroughly investigated and either corrected or permanently removed without further delay. This matter must be treated with the seriousness and urgency it warrants.

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 2025-04-14 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
To whom this may concern, I was making student loan payments to my father 's account that he had for all XXXX of his children thinking it was my personal student loans. Recently I got a delinquent payment that dropped my credit score XXXX points. & XXXX points. There are four accounts from. DEPT of ED/XXXX  I am now all up to date and paid the 90 days late fee after finally finding where and who to pay. They never gave me an update that I was missing payments until I got hit with the 90 days late to my credit. I am currently buying a house and really need all four of these delinquent payments off of my credit. There was a lack of communication from the department of ED/XXXX. I truly find it ridiculous that this occured and I really need it removed from my credit report ASAP

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I am submitting a new complaint regarding an alleged debt being collected by Transworld Systems Inc. ( TSI ), originally referred by the XXXX XXXX XXXX XXXX XXXX. This complaint is not a duplicate, as it references new facts and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) based on the collector 's failure to provide full and proper debt validation. 

On XX/XX/year>2025, I received the first collection notice stating a balance due of {$3000.00}. After submitting a formal dispute on XX/XX/year>2025, I received a letter from TSI dated XX/XX/year>2025, increasing the amount to {$3000.00} without explanation. However, the documentation included from the original creditor only references an alleged overpayment of {$1500.00}, and no explanation has been provided for how that amount more than doubled. 

I explicitly requested, in writing : A full itemization of the debt, including all interest, penalties, and administrative charges Documentation proving that XXXX XXXX was covered by XXXX at the time of the services listed Proof that any overpayment occurred, and that XXXX was responsible for repayment A signed agreement or acknowledgment of the debt To date, none of this documentation has been provided. 

We have contacted XXXX XXXX, XXXXXXXX XXXX  and the XXXX XXXX XXXX, and all have confirmed that they have no record of XXXX XXXX ( formerly XXXX XXXX ) being covered by XXXX, nor any record of pharmacy claims, overpayments, or an associated balance due. 

The documentation TSI provided contains numerous discrepancies in the amount owed, the dates of service, and the chain of referral. It does not satisfy the legal requirements for debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

We were never made aware of this debt until 2025, more than a decade after the alleged charges occurred. TSI has continued to refer to this as a valid debt despite failing to produce required validation materials.

I am seeking full discharge of this alleged debt and written confirmation that this account is closed and will not be reported or pursued further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

Company response to consumer: Closed with non-monetary relief