vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Fraudulent charges to my XXXX credit account made online in XX/XX/2023 have been disputing since than with police reports and reports from postal service saying nothing was delivered. I never made purchase or know who vendor is.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
To Whom 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 name Title and Section. I respectfully request that your office provide me with the 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. 
Prove the Statue of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-09 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: PA

Complaint narrative:
When I had viewed my credit report there were hard inquiries that were not mine.

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 2025-05-09 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: TX

Complaint narrative:
In accordance with USC 1681g, I expect their deletion within XXXX  days. Attached are the necessary supporting documents. Please remove these unauthorized accounts from my credit report, as I did not create them and was not made aware of their existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates sent me an email bill about a debt very similar to what I paid off XXXX XXXX XXXX XXXX  ( XX/XX/year> ) XXXX  ( XX/XX/year> ) they report a collection on my credit report tanking my score XXXX points and preventing me from finally buying a house and not being homeless anymore. I repeatedly asked the last PRA associate if there was anything else that I needed to pay back in XXXX of this year and they said no. So in less than a day, they destroyed my credit giving me zero time to do anything about this. I settled it and they give me some story about its their policy that I have to wait XXXX  XXXX  for their report to be deleted when XXXX  and various others delete theirs upon settlement. I asked this latest representative XXXX times if there was anything else I needed to take care of and he said no all XXXX times. I received no phone calls about this and I know they had my email address because they sent me a bill XXXX! Something needs to be done about the slimy tactics of this company destroying people 's lives. They have caused considerable damage to my credit, my finances and my health with the stress they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am filing this complaint due to Self Financial / Lead Bank reporting materially inaccurate and misleading credit information, failing to properly validate their reporting, and continuing to furnish false data after receiving a formal FCRA 623 dispute. 

The original loan ( XXXX ID : XXXX ) from Self/Lead Bank was a credit builder account that began on XX/XX/XXXX, and was terminated on XX/XX/XXXX, after going over XXXX  days past due. Despite this clear closure, Self continues to report monthly post-charge-off activity and inflated balances across multiple credit bureaus. 

I mailed a formal 623 Direct Dispute and Notice of Intent to Arbitrate to Lead Bank/Self Financial on XX/XX/XXXX, outlining several violations, including : False charge-off dates and double reporting Incorrect credit limit ( {$1500.00} secured limit that was never agreed upon ) Conflicting addresses across bureaus False ongoing balance after closure Failure to properly report closure status and date I also received an email from Self Financial acknowledging the loan was closed on XX/XX/XXXX, yet their credit reporting directly contradicts this, which is damaging my credit profile.

This is a clear violation of FCRA 623 ( a ), 611, XXXX XXXX standards, and misleading post-charge-off reporting practices. No valid investigation has been performed, and no written response was ever mailed. 

I am now requesting the CFPB investigate this pattern of misconduct and pursue full deletion of this tradeline due to persistent violations and failure to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-09 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: DE

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for furnishing materially inaccurate and misleading credit information to the nationwide consumer reporting agencies, in clear violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i. 

In XXXX, I entered into a 3-month payment arrangement with XXXX XXXX XXXX I made the first payment on time. The second payment was made just five ( 5 ) days late, and I subsequently paid the full remaining balance in XX/XX/year>, which I can document with a XXXX receipt. 

Despite this, XXXX reported the account as a collection to all three major credit bureaus. Even more egregiously : Equifax now shows a 120-day late status in XX/XX/year>, which is patently false since the only late payment was for 5 days ; TransUnion reports the account as a collection, with reporting dates that post-date my full payoff ; Experian also lists the account as derogatory, though no such default occurred. 

I filed disputes with each bureau. In response, XXXX validated these false reports, rather than correcting or deleting them. I was never notified of any reinsertion of disputed information, as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

These actions are : Factually inaccurate and unsupported by XXXX own records ; Misleading in severity and chronology of the payment history ; Causing material harm to my credit profile and finances ; Indicative of a systemic failure to comply with credit reporting 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 explanation
Consumer complaint received 2025-05-09 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: DE

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for furnishing materially inaccurate and misleading credit information to the nationwide consumer reporting agencies, in clear violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i. 

In XXXX, I entered into a 3-month payment arrangement with XXXX XXXX XXXX I made the first payment on time. The second payment was made just five ( 5 ) days late, and I subsequently paid the full remaining balance in XX/XX/year>, which I can document with a XXXX receipt. 

Despite this, XXXX reported the account as a collection to all three major credit bureaus. Even more egregiously : Equifax now shows a 120-day late status in XX/XX/year>, which is patently false since the only late payment was for 5 days ; TransUnion reports the account as a collection, with reporting dates that post-date my full payoff ; Experian also lists the account as derogatory, though no such default occurred. 

I filed disputes with each bureau. In response, XXXX validated these false reports, rather than correcting or deleting them. I was never notified of any reinsertion of disputed information, as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

These actions are : Factually inaccurate and unsupported by XXXX own records ; Misleading in severity and chronology of the payment history ; Causing material harm to my credit profile and finances ; Indicative of a systemic failure to comply with credit reporting 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-09 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

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 2025-05-09 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: FL

Complaint narrative:
I am filing a complaint against Experian, XXXX, and XXXX  for illegally re-inserting, re-aging, and misreporting the XXXX XXXX  XXXX XXXX account ( ending in XXXX ) across all three credit bureaus. 

This tradeline was previously disputed and removed, but has now been reinserted without the required XXXX written notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Major violations include : Conflicting closed dates : Experian shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX ( FCRA 607 ( b ) ) Conflicting payment statuses : Experian says Charge-Off, XXXX  reports Unknown ( FCRA 607 ( b ) ) Re-aging : Charge-offs appear in XXXX after long No Data periods ( FCRA 623 ( a ) ( 5 ) & XXXX XXXX violations ) Updated after dispute but still incorrect ( FCRA 611 ( a ) ( 1 ) ) Not marked as disputed ( FCRA 611 ( a ) ( 3 ) ( A ) ) No written notice of negative reporting ( FCRA 623 ( a ) ( 7 ) ) No evidence of required statements prior to charge-off ( TILA 1637 ( b ) ) These issues are confirmed across multiple reports. I submitted a Cease & Block Demand under 605B, a Sworn Affidavit, and a Declaration of Harm. I am now suing for {$8000.00} in damages in XXXX XXXX XXXX XXXX XXXX XXXX. 

I am demanding immediate deletion of the account from all credit bureaus.

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 2025-05-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-09 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-09 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>. I sent a letter requesting 1099c for tax purposes and I never received a response but they continue to try to collect on a debt they have reported to the IRS as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX portal.halstedfinancial.com Subject : Request for Debt Validation XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) To Whom It May Concern, I am responding to you regarding a debt you claim I owe ( I have no knowledge of this debt ) in connection with a XXXX XXXX  ( XXXX ) account, for which XXXX XXXX XXXX is listed as the current creditor. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written validation of this debt, including : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed accounting of the debt, including any interest or fees ; 4. Proof that you are legally authorized to collect this debt ; 5. Documentation bearing my signature or account records to substantiate the claim.

Please cease all collection activities until this validation is provided. Additionally, do not contact me via text or phone ; all communications must be in writing. 
This letter is sent for the purpose of exercising my consumer rights and should not be construed as an acknowledgment of any debt

Company response to consumer: Closed with non-monetary relief