vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX AUTO # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I disputed this account via certified letters sent XX/XX/XXXX and XX/XX/XXXX, including ID and proof of address. 

XXXX XXXX has never mailed a proper validation package. Instead, correspondence was sent to XXXX XXXX XXXX XXXX, XXXX XXXX not my address. My business/employment address is XXXX XXXX. The use of the wrong suite obstructed delivery and prevented me from receiving any meaningful validation. 



Violations & Issues Failure to Validate No validation package was mailed within 30 days of my certified disputes. 

The use of the wrong suite number meant any attempted validation never reached me, making the process defective. 

This violates both the FDCPA ( 15 U.S.C. 1692g ) and FCRA.

Re-Aging Across Bureaus TransUnion updated this account on XX/XX/XXXX as past due, despite previously reporting the account as deleted. 

Experian shows the account past due as of XX/XX/XXXX. 

Equifax updated the account on XX/XX/XXXX, again showing it as past due. 

These rolling updates artificially extend delinquency and damage my score prohibited under the FCRA.

Conflicting & Inaccurate Reporting Each bureau shows different balances, statuses, and dates.

This demonstrates a lack of reasonable procedures to ensure accuracy. 



Statutory Violations 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 Furnishing information known to be inaccurate.

15 U.S.C. 1692g Failure to validate debt.

Harm Caused Damaged credit score due to re-aging. 

Inability to access financing on fair terms. 

Stress, confusion, and wasted resources tracking disputes obstructed by wrong address errors.

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 2025-09-07 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: SC

Complaint narrative:
Subject : Request for Full Accounting and Details of Reinvestigation Under UCC 9-210 Dear Experian Representative, I am writing to formally request a complete and detailed accounting of the reinvestigation you conducted regarding my credit report, as referenced in your recent correspondence. Pursuant to the provisions of UCC 9-210, I am entitled to receive a full accounting of all transactions, including a detailed explanation of the steps taken during your reinvestigation, all supporting documentation, and any relevant information related to this matter. Pertaining to discover bank & resurgent/lvnv funding Please provide the requested documentation and details of your reinvestigation within 15 days of receipt of this complaint. I expect a prompt and comprehensive response, as required by 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 explanation
Consumer complaint received 2025-09-07 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: SC

Complaint narrative:
Subject : Request for Full Accounting and Details of Reinvestigation Under UCC 9-210 Dear Experian Representative, I am writing to formally request a complete and detailed accounting of the reinvestigation you conducted regarding my credit report, as referenced in your recent correspondence. Pursuant to the provisions of UCC 9-210, I am entitled to receive a full accounting of all transactions, including a detailed explanation of the steps taken during your reinvestigation, all supporting documentation, and any relevant information related to this matter. Pertaining to discover bank & resurgent/lvnv funding Please provide the requested documentation and details of your reinvestigation within 15 days of receipt of this complaint. I expect a prompt and comprehensive response, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
All these accounts are effecting my credit report and score. It's causing a disrupting burden to my family. It's really effecting our lively hood and severely causing a drastically struggle. There's kids and babies involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed that there were accounts that are not mine and do not belong to me. I was a part of a Data Breach which had exposed my personal information which is how these fraudulent accounts were created. Please remove these accounts as i have no knowledge who they belong to and have filed a FTC report which I will be attaching. These fraudulent accounts hurt my ability to obtain anything credit or credit related please delete these items thank 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 2025-09-07 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed that there were accounts that are not mine and do not belong to me. I was a part of a Data Breach which had exposed my personal information which is how these fraudulent accounts were created. Please remove these accounts as i have no knowledge who they belong to and have filed a FTC report which I will be attaching. These fraudulent accounts hurt my ability to obtain anything credit or credit related please delete these items thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to dispute all the information I have on my FTC report as it appears on my credit profile and I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXXB ( 15 U.S.C. XXXX ), if you're a victim of identity theft, I have the right to request the blocking of fraudulent information from your credit report within XXXX business days. Medical Debt from XXXX XXXX XXXX is not my 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 2025-09-07 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
According to FCRA section 611 it is illegal to report anything on my credit report without my permission. And I am writing to formally dispute certain information in my credit file pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-3. This section restricts the inclusion of certain information in a consumer credit report and ensures that inaccurate or impermissible data is not maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
XXXX XXXX account XXXX was settled on XX/XX/year> car was returned to dealer because of engine failure signed lease end agreement also now Experian will not remove from credit they are having problems verifying information. Car been at dealership since XX/XX/year> because of new engine failure.

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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This notice serves as a formal demand that you immediately cease all reporting of any accounts under my name to credit reporting agencies. As detailed in the attached notice, I dispute your legal ownership of these accounts and will pursue legal action if this matter is not resolved by XX/XX/2025. 
Please ensure this correspondence is forwarded to your legal department and compliance team for immediate attention. 
I expect written confirmation of your receipt of this notice and your compliance with the demands outlined therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Complaint Against I.C. System FCRA/FDCPA Violations To Whom It May Concern, I am filing this complaint against I.C. System regarding accounts # XXXX, # XXXX, and # XXXX. 

I.C. System has attempted to collect debts in Pennsylvania without a valid license and has failed to provide debt validation as required under the FCRA and FDCPA. Despite my written requests, the company continues to report negative information.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed this account via certified letters sent XX/XX/XXXX and XX/XX/XXXX, including ID and proof of address. 

XXXX XXXX has never mailed a proper validation package. Instead, correspondence was sent to XXXX XXXX XXXX XXXX, XXXX XXXX not my address. My business/employment address is XXXX XXXX. The use of the wrong suite obstructed delivery and prevented me from receiving any meaningful validation. 



Violations & Issues Failure to Validate No validation package was mailed within 30 days of my certified disputes. 

The use of the wrong suite number meant any attempted validation never reached me, making the process defective. 

This violates both the FDCPA ( 15 U.S.C. 1692g ) and FCRA.

Re-Aging Across Bureaus TransUnion updated this account on XX/XX/XXXX as past due, despite previously reporting the account as deleted. 

Experian shows the account past due as of XX/XX/XXXX. 

Equifax updated the account on XX/XX/XXXX, again showing it as past due. 

These rolling updates artificially extend delinquency and damage my score prohibited under the FCRA.

Conflicting & Inaccurate Reporting Each bureau shows different balances, statuses, and dates.

This demonstrates a lack of reasonable procedures to ensure accuracy. 



Statutory Violations 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 Furnishing information known to be inaccurate.

15 U.S.C. 1692g Failure to validate debt.

Harm Caused Damaged credit score due to re-aging. 

Inability to access financing on fair terms. 

Stress, confusion, and wasted resources tracking disputes obstructed by wrong address errors.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed this account via certified letters sent XX/XX/XXXX and XX/XX/XXXX, including ID and proof of address. 

XXXX XXXX has never mailed a proper validation package. Instead, correspondence was sent to XXXX XXXX XXXX XXXX, XXXX XXXX not my address. My business/employment address is XXXX XXXX. The use of the wrong suite obstructed delivery and prevented me from receiving any meaningful validation. 



Violations & Issues Failure to Validate No validation package was mailed within 30 days of my certified disputes. 

The use of the wrong suite number meant any attempted validation never reached me, making the process defective. 

This violates both the FDCPA ( 15 U.S.C. 1692g ) and FCRA.

Re-Aging Across Bureaus TransUnion updated this account on XX/XX/XXXX as past due, despite previously reporting the account as deleted. 

Experian shows the account past due as of XX/XX/XXXX. 

Equifax updated the account on XX/XX/XXXX, again showing it as past due. 

These rolling updates artificially extend delinquency and damage my score prohibited under the FCRA.

Conflicting & Inaccurate Reporting Each bureau shows different balances, statuses, and dates.

This demonstrates a lack of reasonable procedures to ensure accuracy. 



Statutory Violations 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 Furnishing information known to be inaccurate.

15 U.S.C. 1692g Failure to validate debt.

Harm Caused Damaged credit score due to re-aging. 

Inability to access financing on fair terms. 

Stress, confusion, and wasted resources tracking disputes obstructed by wrong address errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I obtained an open-end line of credit from XXXX on behalf of XXXX XXXX, a division of XXXX XXXX Bank , on or around XX/XX/XXXX. The credit limit was {$500.00}. 

The loan structure included a recurring {$30.00} billing cycle fee per {$40.00} biweekly payment, with only {$10.00} applied toward principal. Despite making multiple payments, my principal barely changed, leading to long-term indebtedness. 

On XX/XX/XXXX and XX/XX/XXXX, XXXX attempted to withdraw {$40.00} each time from my XXXX account, which had a {$0.00} balance. These attempts failed. The company then sent a notice stating they could no longer attempt ACH withdrawals without my consent, in accordance with federal law. 

I took this action to prevent involuntary overdrafts because XXXX charges {$30.00} per stop-payment, which I could not afford. Since then, four payments ( {$120.00} total ) have been marked as missed and reported as delinquencies, harming my credit. 

I contacted XXXX  via email on XX/XX/XXXX, and formally requested that : Future ACH withdrawals be canceled Excessive billing cycle fees be refunded or credited My balance be reviewed and reduced Negative credit reporting be removed or corrected I also submitted complaints to the Florida Attorney General, the FTC, and now to the CFPB. I have not yet received a response from the company. This situation has created significant financial hardship, as Im struggling to cover rent, essential bills, and repairs to my only vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I never ask for or applied for a Paypal Master Card. Why am I receiving notification from Paypal Credit of a new card on its may to home address? 

-- -- -- -- Original message -- -- -- -- From : PayPal Credit Card XXXX Date : XX/XX/year> XXXX ( XXXX ) To : XXXX Subject : Your PayPal Credit Card has shipped Account Summary | Download App The PayPal Credit Card is issued by Synchrony Bank pursuant to a license by XXXX XXXX XXXX XXXX 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website. 
Please dont reply directly to this email. It is an unmonitored email inbox and we are not able to respond to account inquiries sent to this email. 
ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your PayPal Credit Card account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your PayPal Credit Card account. 
Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.synchrony.com anage Account Synchrony Account Summary | Download App The PayPal Credit Card is issued by Synchrony Bank pursuant to a license by XXXX XXXX XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website. 
Please dont reply directly to this email. It is an unmonitored email inbox and we are not able to respond to account inquiries sent to this email. 
ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your PayPal Credit Card account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your PayPal Credit Card account. 
Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. www.synchrony.com pal Master Card, Yet I am receiving a notification on the email informing that a new card has been issued and sent on the mail.?

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 2025-09-07 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: PA

Complaint narrative:
Hi to whom this may concern. My name is XXXX XXXX and I noticed a fraudulent inaccuracy reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. This do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MI

Complaint narrative:
These accounts on my credit report are the results of 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 non-monetary relief