vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-07-30 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). Legal precedent : In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: DE

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 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 2025-07-30 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: TX

Complaint narrative:
So ive been going back and forth with the company XXXX XXXX  for years now about this account. I called and asked for freeze on my billing for XXXX days. They agreed and told me at the time that for XXXX  months I dont have to pay and my life if the loan will be extended XXXX  months and interest will be added. I agreed and everything was good. Little did I know they approved it and never submitted it or XXXX XXXX said it might have been a clerical error to keep trying to talk to someone I was never supposed to be late because if there hardship program. I was never late and because I lost my job I asked for time to get another job. Well I didnt make a payment because this was never supposed to be billed. Well I went XXXX and XXXX  days past due. The following month I paid it even tho I didnt have much saved up. I asked for a month of hardship again and they agreed and yet again it reported as XXXX  days late so when I called they apologized and said they would fix it. I started back making payments as promised to them but time and time again calling and sending letters I got nothing back from them. They assured me multiple times talking to them they would fix this issue and was never fixed by them. This is not my fault. I did as they asked. Called and requested time with there hardship program but they never honored what they told me. Ive been trying for years to get this removed. The customer service agent is the one who recommended me to put a dispute with CFPB that theyll be the only ones who care and can help me. 

This is only reporting on Experian. XXXX  is reporting correct and XXXX  is reporting correct. It was removed from the XXXX but not Experian. This should be removed

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 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Skillman Ford Inc
State: IN

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, I am submitting an updated dispute in regard to the Ray Skillman XXXX, IN account being reported on my credit file. This account was previously marked with an 'Involuntary Repossession ' remark which was subsequently removed during investigation. As of XX/XX/XXXX, this remark was re-added without notifying me or providing any justification. This action violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, the accounts payment history now shows over two years of 'Unknown ' status, which indicates the data furnisher is unable to verify or accurately report this account. As per FCRA Sections 609 and 611, this makes the information unverifiable and incomplete, and it should therefore be removed entirely from my report. Enclosed is the original documentation, including proof that I was insuring a completely different vehicle during this time. I Date : XX/XX/XXXX To Whom It May Concern, I am submitting an updated dispute in regard to the Ray Skillman XXXX, IN account being reported on my credit file. This account was previously marked with an 'Involuntary Repossession ' remark which was subsequently removed during investigation. As of XX/XX/XXXX, this remark was re-added without notifying me or providing any justification. This action violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, the accounts payment history now shows over two years of 'Unknown ' status, which indicates the data furnisher is unable to verify or accurately report this account. As per FCRA Sections 609 and 611, this makes the information unverifiable and incomplete, and it should therefore be removed entirely from my report. Enclosed is the original documentation, including proof that I was insuring a completely different vehicle during this time. I am requesting a full deletion of this account from my file due to inaccurate and unverifiable reporting. Please respond to this request in writing within the legally required 30-day window. 
Sincerely, XXXX XXXX XXXX Last XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony closed my acct and never gave me a reason for closure. The account status unfairly impacted my score and credit standing. Once Synchrony closed my account, my XXXX XXXX dropped significantly. I am requesting : a review and correction of how this is reported removal or clarification that the closure was not due to delinquency or misuse. I have never been late since opening the account.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to request a validation of the alleged debt that you claim I owe, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide me with the following information : The amount of the alleged debt The name of the creditor to whom the debt is currently owed A detailed explanation of how the amount was calculated A copy of the original agreement or contract with my signature Proof that your agency is licensed to collect debts in my state The chain of custody or ownership of the debt, showing all assignments or transfers Until this information is provided, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies. 

Please note, any attempt to collect this debt without proper validation is a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I also request that all future communication regarding this matter be in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
This is a follow-up to a prior complaint regarding RentDebt Automated Collections ( RDAC ). RDAC submitted a Resident Ledger and lease agreement. However, the documentation is inaccurate, misleading, and includes false charges. I vacated the property at XXXX XXXX XXXX XXXX, XXXX, SC in XXXX. RDAC submitted charges for XXXX and XXXX, which is years after I moved out and is completely false. They falsely claimed I rented a garage, which I never did during my lease. Most importantly, this debt is not the result of a court-ordered eviction. RDAC did not provide a court docket number, writ of ejectment, judgment, or any other legal documentation showing that this debt was affirmed in court. These actions raise serious legal concerns under federal law. FDCPA 1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of a debt.

RDAC misrepresented the amount owed, included unauthorized charges ( garage ), and implied legal status without any court order.

FDCPA 1692f ( 1 ) : Prohibits collecting any amount not expressly authorized by the agreement or permitted by law. RDAC submitted charges not supported by the lease and with no legal judgment. FCRA 1681s-2 ( a ) : Requires that information furnished to credit reporting agencies be accurate and complete. RDAC reported a debt with fabricated dates and false charges for a unit I vacated in XXXX. FCRA 1681i : Requires removal of inaccurate or unverifiable information after a dispute is filed. RDAC has not provided verifiable records supporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX XXXX Subject : Repeated Failure by All Three Credit Bureaus to Resolve Dispute Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> I am filing this formal complaint against Experian, Equifax, and TransUnion due to their repeated failure to resolve my credit reporting dispute involving inaccurate and potentially unverifiable information. This issue has been raised multiple times, and each of the three credit reporting agencies has failed to take the required corrective actions under the Fair Credit Reporting Act ( FCRA ).

Instead of conducting a proper investigation, the bureaus responded with generic verified statements, yet failed to provide the required method of verification as mandated by 15 U.S.C. 1681i ( a ) ( 7 ). This omission is a direct violation of : 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed information 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to ensure maximum possible accuracy Disputed Account Still Unresolved : Charge-Off Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite repeated requests, I have not received : A full explanation of the method of verification used The name, title, and contact information of the furnisher of the disputed data Any documentation or evidence used to support the verified status of this charge-off

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 2025-07-30 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: NC

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX XXXX Subject : Repeated Failure by All Three Credit Bureaus to Resolve Dispute Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> I am filing this formal complaint against Experian, Equifax, and TransUnion due to their repeated failure to resolve my credit reporting dispute involving inaccurate and potentially unverifiable information. This issue has been raised multiple times, and each of the three credit reporting agencies has failed to take the required corrective actions under the Fair Credit Reporting Act ( FCRA ).

Instead of conducting a proper investigation, the bureaus responded with generic verified statements, yet failed to provide the required method of verification as mandated by 15 U.S.C. 1681i ( a ) ( 7 ). This omission is a direct violation of : 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed information 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to ensure maximum possible accuracy Disputed Account Still Unresolved : Charge-Off Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite repeated requests, I have not received : A full explanation of the method of verification used The name, title, and contact information of the furnisher of the disputed data Any documentation or evidence used to support the verified status of this charge-off

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2025-07-30 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: AR

Complaint narrative:
I am submitting this Identity Theft Affadavit because my personal information was compromised during the Equifax data breach. As a result, multiple unauthorized accounts and hard inquiries have appeared on my credit report. I did not open, authorize, or recognize these accounts. I am formally requesting that these fraudulent items be removed in accordance with my rights under Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-30 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: AR

Complaint narrative:
I am submitting this Identity Theft Affadavit because my personal information was compromised during the Equifax data breach. As a result, multiple unauthorized accounts and hard inquiries have appeared on my credit report. I did not open, authorize, or recognize these accounts. I am formally requesting that these fraudulent items be removed in accordance with my rights under Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-30 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:
I am filing a complaint to formally dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act.

Upon reviewing my credit report, I have identified the following item ( s ) that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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