vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
This complaint is submitted against Equifax and the debt collector XXXX XXXX, regarding the account listed as : Account Name : XXXX XXXX Account Number XXXX XXXX  This account is being reported on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Violations : XXXX. Failure to Provide Required Disclosures Prior to Reporting Collection Under both federal and state consumer protection laws, a debt collector is required to provide written notice and disclosures before reporting a collection account to the credit bureaus. I did not receive any state-mandated disclosures, nor was I notified in writing by XXXX XXXX regarding this alleged debt before it appeared on my consumer report. 

This failure violates : 15 U.S.C. 1681s-2 ( a ) of the FCRA, which prohibits the reporting of information without proper investigation and accuracy ; 15 U.S.C. 1692g ( a ) of the FDCPA, which mandates a debt collector to send a written notice containing the amount of the debt, the name of the creditor, and the consumers right to dispute within XXXX days of initial communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Hi, I am writing to correct the inaccurate personal information listed on my credit report. These errors are interfering with my credit applications and have caused unnecessary frustration.

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 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
It is not my debt it was during the time I had identity theft

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
The following credit companies have reported inaccurate information to the credit bureaus. Here are the following companies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
The following credit companies have reported inaccurate information to the credit bureaus. Here are the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX I was charged {$2100.00} interest rate by Synchrony. I called them on XX/XX/XXXX when I saw the billing email and tried to decline the interest but they said no. My initial purchase was in XX/XX/XXXX, and I was not told by this deferred interest promotion will be ended on XX/XX/XXXX. I set up auto pay and paperless billing. It was a big surprise when I saw the account balance went up to {$3000.00} when my original purchase is below {$3000.00}.

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 2025-06-14 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-14 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: TX

Complaint narrative:
On several attempts I have reached out to Experian to have them to remove the derogatory information off of my credit report for non-payment of medical bills that are the responsibility of the XXXX  XXXX XXXX XXXX, as I am a XXXX  % XXXX XXXX. 

I have provided the Member XXXX and the Plan XXXX that shows ownership to the XXXX XXXX XXXX XXXX XXXX however Experian never investigates this in order to rectify the situation.

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 2025-06-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. I submitted a formal dispute under 15 U.S.C. 1681c-2 along with a valid FTC Identity Theft Report, ID, SSN card, and proof of address. I requested that fraudulent accountsincluding those from XXXX, LVNV Funding, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXbe blocked and deleted within four ( 4 ) business days as required by federal law. 

The bureau [ XXXX XXXX either failed to respond or has not removed the fraudulent data. This violates the Fair Credit Reporting Act ( FCRA ). The law does not require a police report. I am requesting CFPB support in ensuring this matter is resolved promptly and in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Sentry Credit Inc, a debt collection company that is actively reporting a negative collection account on my credit reports and attempting to collect a debt in violation of both federal and Florida state law.

Specifically, Sentry Credit Inc is not licensed to operate as a debt collector in the State of Florida, as required by Florida Statute 559.553. Despite this, they have placed a collection account on my credit reports, have failed to validate the debt properly, and ignored my written demand for deletion on the grounds of their unlicensed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-14 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: CA

Complaint narrative:
XXXX dispute with Experian, regarding Account XXXX returned as validated. 
Unable to obtain any proof of verification method. 
On XXXX Received email from XXXX Stating/confirming the account has been closed along with the card. Requested I contact Experian, Equifax and Transunion to dispute the fraudulent account and they will honor the 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 explanation
Consumer complaint received 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Amount they claim I owe {$2200.00} LEAFY FINANCIAL LLC XXXX XXXX XXXX XXXX, XXXX XXXX I requested documents and I do not believe I am responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-14 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: AZ

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 2025-06-14 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:
XXXX dispute with Experian, regarding Account XXXX returned as validated. 
Unable to obtain any proof of verification method. 
On XXXX Received email from XXXX Stating/confirming the account has been closed along with the card. Requested I contact Experian, Equifax and Transunion to dispute the fraudulent account and they will honor the 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 2025-06-14 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts on my credit reports with TransUnion, Experian, and Equifax. On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( # XXXX ) documenting these fraudulent accounts. Despite this report and my subsequent disputes, these fraudulent accounts continue to appear on my credit reports dated XX/XX/XXXX. 

The fraudulent accounts include : XXXX. XXXX XXXX XXXXXXXX secured credit card ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX, with a credit limit of {$500.00} and a fraudulent amount of {$590.00}. This account was opened without my knowledge or consent. 

XXXX. XXXX XXXXXXXX XXXX XXXX ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX, with an original amount of {$42000.00}, currently showing as " XXXX XXXX '' with a past due amount of {$10000.00}. I never applied for, received, or benefited from this auto loan. 

XXXX. XXXX mobile phone account - Opened in XX/XX/XXXX with a fraudulent amount of {$1300.00}, as documented in my FTC Identity Theft Report. 

Additionally, my credit report shows numerous unauthorized inquiries made without my consent, including : XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX on XX/XX/XXXX. 

My credit reports also contain inaccurate personal information, including variations of my name and addresses I've never used, such as " XXXX XXXX  '' " XXXX, '' and addresses like " XXXX XXXX XXXX XXXX XXXX' and " XXXX XXXX XXXX. '' On XX/XX/XXXX, I sent certified dispute letters to all three credit bureaus, including my FTC Identity Theft Report and proof of identity, requesting immediate investigation and removal of these fraudulent accounts and inquiries. Despite providing clear evidence of identity theft, the credit bureaus have failed to properly investigate this matter and continue to report these fraudulent accounts. 

These fraudulent accounts and inquiries have significantly damaged my credit score ( currently between XXXX across bureaus ) and have resulted in denial of legitimate credit applications.

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 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
THE ACCOUNT XXXX  ACCOUNT XXXX THIS IS REGARDING CONSUMER ABUSE CHARGING % 34 OF INTEREST NOT WAS OWNED THE WHOLE AMOUNT OF LOAN. I NEVER SIGNED OR RECEIVED A COPY OF ANY CONTRACT AGREED WITH THIS. THE COMPANY IS CALLING ME AND THREATENING ME WITH THEIR ATTORNEY. AS A CONSUMER THIS FRAUD AS FAR IM CONCERNED. I REQUEST THIS TO BE REMOVED FROM MY XXXX XXXX  AND XXXX AND THE ACCOUNT TO BE CLOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I have reason to believe the account is being reported by XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Floridas Uniform Commercial Code I am requesting verification of the following : Proof of sale of the repossessed vehicle, including sale date, method ( auction/private ), and the sale price. 
A full breakdown of the deficiency balance, including how it was calculated after the sale. 
Evidence of proper notice of both the intent to repossess and the post-sale deficiency, as required under applicable laws. 
Confirmation of title transfer was notarized showing legal sale and release of ownership. 

Also provide : Required XXXX title fillings ( Notarized ) Proof I was allowed to attend auction to redeem vehicle. 
Exact date of repossession

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 2025-06-14 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

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 explanation