vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: TN

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX. 
XXXX charged off a loan in the amount of {$380.00} and sold the debt to a third-party collection agency. Despite selling the debt, XXXX continues to report a charged-off balance of {$380.00} on my credit report and continues to update the balance monthly. 
Once a debt is sold, the original creditor no longer owns the account and should report a {$0.00} balance. Continuing to report a balance after the debt has been sold is inaccurate and misleading. 
My credit report shows : Status : Account charged off. {$380.00} written off. 
Balance : {$380.00} Balance updated as recently as XX/XX/year> Status updated XX/XX/year> This ongoing reporting is damaging my credit profile and creates the false impression that I currently owe Affirm, even though the debt has been sold. If a third-party collection account exists, it should be reported separately by the collection agency, not duplicated by the original creditor. 
I am requesting that XXXX either : Correct the tradeline to reflect a {$0.00} balance with accurate remarks indicating the debt was sold, or Remove the tradeline entirely if XXXX no longer has a permissible purpose to report it. 
I am requesting a full investigation and correction of this inaccurate reporting under 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 2025-12-21 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply XXXX result in legal action to enforce my rights.

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 2025-12-21 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: Experian Information Solutions Inc.
State: NY

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-12-21 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint Regarding Unfair, Harmful, and Disproportionate Credit Practices by Synchrony Bank Account : Synchrony XXXX Credit Card ending in XXXX I am filing a complaint regarding Synchrony Banks unfair and harmful treatment of my Synchrony XXXX credit card account. Synchronys actions have caused significant and avoidable damage to my credit profile despite my perfect payment history, and their stated reasons do not justify the harm caused. 
Approximately XXXX months ago, Synchrony Bank reduced my credit limit from {$1500.00} to {$250.00}. I had no late payments on this account or any other account. Synchrony stated that the reduction was due to high balances on other cards. These balances were temporary and occurred because my work tools were stolen twice, and I had to replace them in order to continue working. Despite this hardship, I continued to make all payments on time. 
This limit reduction caused a substantial drop in my credit score due to increased utilization a direct and foreseeable consequence of Synchronys decision. My payment behavior did not change ; only Synchronys actions did. 
On XX/XX/year>, Synchrony Bank closed my account. Their stated reasons were lack of use and concerns about my credit score. However, the credit score issue was created by Synchronys own limit reduction, not by any delinquency or misuse on my part. The closure caused further damage to my credit by reducing my available credit and increasing my utilization ratio even more. 
Synchrony did send an adverse action notice, but the explanation does not justify the disproportionality or the circular nature of the harm. The bank took an adverse action that damaged my credit, then used the resulting damage as justification for a second adverse action. This sequence is unreasonable, harmful, and inconsistent with fair treatment of consumers who maintain perfect payment histories. 
In summary : I have never been late on any payments Synchrony reduced my limit without cause That reduction damaged my credit score Synchrony then used the damaged score as justification to close my account The closure caused additional credit harm The adverse action notice does not justify the harm or the inconsistency in their reasoning I am requesting the following corrective actions : 1. Restoration of the account to open status 2. Restoration of the original credit limit 3. Removal of any negative impact caused by Synchronys actions from my credit reports 4. A written explanation of why these actions were taken despite my perfect payment history Thank you for your attention to this matter. 
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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
Date : Saturday, XX/XX/year> Subject : Formal Complaint Against Midland Credit Management , Inc. and XXXX XXXX, XXXX For Violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Utah Consumer Collection Practices Act * * -- - Dear CFPB, I am filing this complaint against * * Midland Credit Management, Inc.and its law firm XXXXXXXX XXXX XXXX XXXX XXXX for egregious and continued violations of federal and state consumer protection laws in connection with their attempts to collect a disputed debt allegedly owed to XXXX  XXXX, XXXX. and sold to Midland.

I have sent multiple formal dispute letters and validation requests, beginning XX/XX/year>, and again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> Despite these written disputes, Midland and its attorneys : * Failed to provide proper debt validation under * * 15 U.S.C. 1692g ( b ) * *; * Filed a collection lawsuit * * without first validating the debt * *, violating FDCPA requirements; * Provided a generic affidavit of sale and bill of sale that do not mention me, my account number, or any identifying details; * Failed to provide an original signed agreement, a complete itemization of charges, or an unbroken chain of title ; * Continued collection activity in direct violation of the FDCPA and Utah Code 12-1-11 ( 3 ) ( b ).

Midland and XXXX XXXX have also potentially violated 15 U.S.C. 1692e ( 5 ) ( threatening legal action without authority ), and 15 U.S.C. 1692f ( unfair or unconscionable collection ). If Midland reported this debt to any credit reporting agency without marking it as disputed, they have also violated 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( b ).

I respectfully request the CFPB investigate this matter and take appropriate enforcement action. Enclosed are copies of : * My dispute letters ; * Midland 's insufficient responses; * The complaint and summons filed against me; * Related billing statements and affidavits. 

Thank you for your assistance. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following Accounts and Inquires below are reporting on my Equifax Credit Report .These Accounts do not belong to me.I have contacted Equifax to immediately remove these accounts from my credit report and they have not yet to remove them from my credit report. This is causing me to not be able to obtain credit and be denied credit. 

Accounts : XXXX XXXX XXXX Reported XX/XX/year> Balance {$1400.00} Account XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-12-21 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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Re : Cease and Desist Unauthorized or Inaccurate Credit Reporting Dear XXXX, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any inaccurate, incomplete, or unverifiable information on my credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., & 15 U.S.C. 1692c. I am asserting my right to have any and all inaccurate, outdated, or unverifiable information removed or corrected immediately. Continued reporting of incorrect data constitutes a violation of my rights under federal law. 
Specifically, I am disputing the following items : Account name RESURGENT/LVNV FUNDING  Account number XXXX Account name RESURGENT/LVNV FUNDING Account number XXXX Account name RESURGENT/LVNV FUNDING Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX You are required to conduct an appropriate investigation of the disputed information and remove or correct any data that can not be verified within the time period prescribed by law ( 30 days ). If you are unable to verify the accuracy of the information, it must be deleted entirely from my credit file. 
Additionally, please cease all communication or disclosure of inaccurate information to any third parties. Any continued reporting of erroneous data or noncompliance with the FCRA will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and if necessary, pursue legal action for damages. 
Please confirm in writing that you have received this notice and that corrective action is being initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
I recently started using Wise for international banking. Recently I made payment to another Wise client who then did not provide the service I requested. I lodged this with Wise who froze the account and only refunded me {$74.00} of the {$200000.00} I sent. They stated this was all that was in the account. However since then the person has agreed to send the money back and has requested that Wise send the money back. Wise has the money locked and claims it is under review. However their Agent XXXX who emailed me specifically stated on email that the funds are not being held by Wise and that they did not refund the {$74.00} and that the client did that, but the same senior support agent XXXX also emailed the other party stating they have the funds " under review '' and they they Wise had processed the {$74.00} refund, so he blatantly lied to me on record. The client also sent me a screenshot of an email he sent to Wise to refund the money so that my dispute can be resolve. It has been more that 10 days and Wise do not give us any information, they blatantly lie and they are not assisting in the matter at all. I have asked XXXX from Wise for an explanation to the lies he told and then he didnt respond but rather let someone else respond. He has still not responded to the fact that he lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: UT

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these 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 2025-12-21 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my Experian credit report. Due to ongoing and well-documented data breaches, my personal identifying information has been compromised, and the items listed below are not authorized by me. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting a complete investigation and the immediate deletion of any information that can not be verified with competent evidence. 
Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$660.00} INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-21 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report as a result of ongoing data breaches and identity compromise. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting a full investigation and immediate deletion of the items listed below.

I did not authorize, recognize, or have knowledge of the following account and inquiries.

Due to data breach, my personal identifying information has been compromised, and these entries are not verifiable as belonging to me.

Account Name : 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 XXXXXX/XX/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 2025-12-21 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-12-21 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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