vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
This company has called me numerous times and also stated my address and wanted to confirm it before stating who they are calling from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain hard inquiries that appear on my credit report but are not recognizable or authorized by me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies are required to ensure the maximum possible accuracy of the information they include in consumer reports.

Specifically, 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure fair and accurate reporting, and 15 U.S.C. 1681i ( a ) provides me the right to dispute information I believe to be inaccurate or incomplete.

The inquiries in question are as follows : XXXX XXXX via XXXX XXXX on XX/XX/year> I did not authorize these inquiries, and they should not be reported as they negatively impact my credit score. I request that you investigate these items and provide me with : The name, address, and contact information of the business that initiated each inquiry. 

Documentation of my written consent for these inquiries, as required by 15 U.S.C. 1681b.

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 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am filing a report to dispute an apartment lease that I believe I should not be responsible for. The concerned party is XXXX XXXX, a subsidiary of XXXX XXXX XXXX. I entered a apartment lease with XXXX in XX/XX/XXXX until XX/XX/XXXX. The concerned damages are a lease starting from XX/XX/XXXXXXXX  to XX/XX/XXXX. 

The policy for renewing a lease involved a one-to-two week interval around XX/XX/XXXX where I would have to call or submit a form indicating my intention to not renew the lease. I was institutionalized into XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was not allowed to make phone calls outside of specific times. I was, however, able to make a call to XXXX to cancel my renewal in the first or second week of XXXX. I was able to make that call and spoke with a representative who assured me that I had successfully canceled the next year 's lease ; however, when I was released from the institution I found that I was still liable for the renewed lease a full half-year away. I made further attempts to clear this lease through XX/XX/XXXX, with no success. 

I believe that 1 ) this arbitrarily small renewal period is in place to entrap college students into a lease that they do not fully understand or have the means to contest, 2 ) the apartment policy of " sub-letting '' a lease to another student is not a responsibility that should be given to the renting party, and that this policy only serves to reinforce a " do-or-die '' rationale on students who were in a similar position as myself, and 3 ) any further attempts I made to correct my lease information to the matter was swiftly rebuked or was only referred to the aforementioned sub-let policy.

XXXX was known around the XXXX XXXX XXXX XXXX XXXXXXXX as a place that was known for its " anti-consumer attitude regarding leasing, as many flyers of students in similar situations attempted to find ways for resolvement. 

I vacated the premises on XX/XX/XXXX, with my apartment key placed on the kitchen table and a fully clean apartment as found when I moved into the unit. I reached out again to management with one last attempt to exit the lease, but was referred back to the sub-letting policy. 

Fast forward years later, to XX/XX/XXXX, when the amount for this lease was given to a debt collector and billed not only to my name and not my guarantor, who had also signed onto the lease, and was a debt that was almost four years old at that time. I do not know the statute of limitations regarding when a company can put a debt into collections, but this seems to be an exceedingly large amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-08-11 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This involves online/phone payments to Synchrony Bank . I acquired a Lowe 's credit card that utilizes Synchrony Bank as it's lender. The first online payment made prior to the due date of XX/XX/year>XXXX  online was processed and received an email confirmation ; however the account never processed the payment and accrued a late fee. I sent another payment XX/XX/year>XXXX  via online and that payment was also not received and I accrued another late charge. I called my bank and they advised me that the payment did sucessfully go through ; however the payment was rejected. I was told that their processing agent is not processing the payment correctly and therefore the payments were bounced. I was told from my bank that the only way to ensure complete payment is received is to go to a Lowes to make the payment in person as that bypasses their processing agent. I have been traveling to lowes monthly to make the payments. On XX/XX/year>XXXX  I called in a payment ( thinking that the processing agent would be different ) I received a confirmation text that the payment was received successfully. I then received a notification on my bill stating that the XX/XX/XXXX payment was rejected and therefore no payment received and another late charge accrued plus 2 % interest on a 0 % card. I called several times to have this issue rectified and to have the late fees removed as this is a processing issues. One charge was reversed. Although the billing activity indicates that {$250.00} was posted I have not received credit for that payment and received another email stating no payment was received. 
There is a clear issue as they are receiving the payment, rejecting the payment and then charging late fees and interest on a 0 % interest card. On all payments my bank had sufficient funds to cover and confirmed that they would not have rejected the payments.

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 monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-11 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: PA

Complaint narrative:
UPON REVIEWING MY REPORT I NOTICED INACCURACCIES THAT ARE EFFECTING MY ABILITY TO OBTAIN CREDIT.

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 2025-08-11 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: TX

Complaint narrative:
This is a factual inaccuracy dispute under the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) is reporting materially inconsistent payment history across the nationwide CRAs. 
Specifically : - Experian reports 30-day late payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
- XXXX reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but reports XX/XX/XXXX as on time. 
These discrepancies prove that at least one bureau is reporting inaccurate information. Under the FCRA, inaccurate and inconsistent reporting violates Section 1681e ( b ) ( maximum possible accuracy ) and Section 1681i ( a ) ( reasonable reinvestigation ). 
FCRA Violations * FCRA Section 1681e ( b ) : Requires CRAs to maintain 'maximum possible accuracy ' in reporting. Conflicting payment history across CRAs violates this standard.

* FCRA Section 1681i ( a ) : Requires deletion of disputed information if it can not be verified with documented proof from the furnisher. Inconsistent histories can not both be correct, therefore at least one is unverifiable and must be removed. 

Updating this account to match another inaccurate record would not satisfy the legal requirement for accuracy and is not an acceptable resolution.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IA

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT PROFILE

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 2025-08-11 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: MD

Complaint narrative:
The continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-08-11 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: MD

Complaint narrative:
The continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-08-11 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:
I believe I am the victim of fraudulent activity, as I have no involvement with these accounts. Please investigate and remove them from my record. Evidence has been attached.

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 2025-08-11 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: WI

Complaint narrative:
I recently checked my credit report and notice multiple accounts that do not belong to me and are damaging to my profile,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: WI

Complaint narrative:
I recently checked my credit report and notice multiple accounts that do not belong to me and are damaging to my profile,

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
On Monday, XX/XX/year>, my employer informed me that a representative from Lendmark Financial, XXXX XXXX, contacted them and disclosed the exact amount of my personal loan debt without my consent and without a court order for wage garnishment. This disclosure was not part of an active, court-approved garnishment process and was not legally required.

Additionally, I was given multiple deferment options, but these never truly helped my situation. The deferments caused interest to keep accruing, which increased my loan balance and made it impossible for me to pay off the debt in a reasonable time. 

I have also repeatedly requested that XXXX XXXXXXXX XXXX cease contact with me due to providing false information and misleading statements about my account, but the calls continued. Furthermore, XXXX XXXX has been rude and disrespectful in communications with me, causing significant stress and frustration. 

I believe these actions violate my privacy rights and the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unauthorized sharing of debt information, requires truthful communication, and mandates respectful treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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