vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX XXXX XXXXwww.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Original creditor XXXX High balance {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NE

Complaint narrative:
I am disputing the accuracy and legality of credit reporting related to my child support account managed by Nebraska Social Services / NE Child Support ( NEBR SOC SRV ). Although the account currently reflects a {$0.00} balance and shows as open and current, multiple 30-day late payments continue to be reported on my credit report : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These lates are unjustly damaging my credit score despite the fact that there is no past-due balance and I am fully in compliance with my obligations. I believe these lates may have been reported in violation of both federal and state law, including the Fair Credit Reporting Act ( FCRA ) and Nebraska Administrative Code Title 466, Chapter 9, 005, which requires advance written notice before any credit bureau reporting if arrears exceed {$500.00}. 

I am formally demanding that Nebraska Child Support Enforcement provide : A full payment history Copies of any notices sent to me prior to credit reporting Confirmation of whether I ever exceeded {$500.00} in arrears at the time of the reported lates If the agency can not provide full proof of compliance, including timely notice and accurate arrears thresholds, then the late payments must be permanently deleted from my credit reports. The continued presence of these derogatoriesdespite a current {$0.00} balanceviolates : FCRA 607 ( b ) : Failure to report with maximum possible accuracy FCRA 611 ( a ) : My right to dispute and correct inaccurate, incomplete, or unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition on knowingly furnishing inaccurate information FCRA 623 ( a ) ( 2 ) : Obligation to correct and update information FCRA 623 ( b ) : Duty to reasonably investigate disputes In addition, my personal address on this tradeline may be inaccurate. My correct address is : XXXX XXXX XXXX, XXXX, NE XXXX Any other address associated with this account is incorrect and must be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Transunion, I am writing to formally request the removal of an unverifiable XXXX XXXX account previously listed on my credit report. This account was recently disputed and deleted from my * * XXXX credit file * *, with the investigation completed on * * XX/XX/year>. 

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to remove any information that can not be verified after a reinvestigation. Since XXXX, a recognized consumer reporting agency, has deemed the account unverifiable and has completely deleted it, I am requesting that your agency also delete this account from my file to remain in compliance with federal law. 

Please consider this a formal request under FCRA Section 611 ( 15 U.S. Code 1681i ) to conduct a reinvestigation into this account. If your agency is unable to independently verify the accuracy of this accountespecially in light of XXXX findingsit must be removed from my report within 30 days, as mandated by law. 

If this unverifiable account is not removed within 30 days, I will consider this a violation of my rights under the FCRA and reserve the right to seek * * legal action under Section 616 and 617 ( 15 U.S. Code 1681n and 1681o ) * *, which provide remedies for willful and negligent noncompliance with the Act, including statutory damages, actual damages, and attorneys fees. 

I ask that you provide written confirmation of the results of your reinvestigation and a new copy of my credit report showing the deletion of the XXXX XXXX account. 

Sincerely, 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 2025-07-10 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: TX

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 2025-07-10 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: FL

Complaint narrative:
XXXX XXXX XXXX has flagged your account as Repossession with Equifax, which may negatively impact your credit score based on TransUnion data. 

Source : TransUnion XXXX  : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Activity : Repossession

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Please reference CFBP # XXXX On XX/XX/year>, Synchrony Bank issued a third denial of my valid chargeback dispute, now claiming they are unable to validate that there was a quality defect. This is a complete mischaracterization of my dispute. I did not allege a quality defectI filed the chargeback due to material misrepresentation in the product listing ( size ), the sellers refusal to accept a return, and the financial loss I incurred purchasing a replacement. 
This latest denial continues Synchronys pattern of refusing to address the actual facts of the dispute. My initial and secondary submissions clearly stated that the issue was that the product was misrepresented, not defective. The product was unusable for its intended purpose, and I acted in good faith by proposing a partial refund and providing full documentation to support my claim. 
Synchronys repeated use of irrelevant denial language, their failure to investigate under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and their implication that redisputing could affect my credit report raise serious concerns about their dispute-handling practices. 
I respectfully request that the CFPB ensure Synchrony reopens this dispute and conducts a thorough and proper review based on the legal grounds of misrepresentation, not defect, and issue a full refund of {$610.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
As of XX/XX/year>, Amsher Collection Services has reported an open balance of {$170.00} on my credit report. However, I have not received any prior communication from this company to verify the validity of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ). This statute requires debt collectors to provide written notice of the debt within XXXX days of initial contact, including the amount of the debt and the name of the creditor, along with notice of the consumer 's right to dispute the debt. 

The addition of this collection account has negatively impacted my credit score, which may affect my ability to secure housing or obtain loans. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), furnishers of information to credit reporting agencies must ensure that the information they report is accurate and complete. Reporting a debt without proper validation or consumer notification may constitute a violation of this obligation. 

This matter continues to have a detrimental effect on my financial standing and should be addressed without delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is in response to your dismissive and misleading communication dated XX/XX/XXXX, and your subsequent response to the CFPB. Your refusal to acknowledge the discharge of my student loan debts and your continued inaccurate credit reporting practices are willfully deceptive, in violation of both federal bankruptcy law and the Fair Credit Reporting Act ( FCRA ). 

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX, in the XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and received a discharge on XX/XX/XXXX. My student loans were expressly listed in the schedules and served in accordance with Rule 7004 of the Federal Rules of XXXX XXXX. As a matter of law, you were put on notice. 

Your assertion that the loans were not XXXX is legally flawed and disingenuous. XXXX XXXX XXXX XXXX XXXX and its servicers do not have the unilateral authority to declare that a debt is non-dischargeable. That determination is governed by the courts discharge order. The burden is on the creditor to timely file an adversary proceeding to contest dischargeability under 11 U.S.C. 523 ( a ) ( 8 ). No such proceeding was filed. Therefore, under the Bankruptcy Code and prevailing XXXX XXXX precedent ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the debts were XXXX. 

Despite this, you continue to falsely report the loans as active and delinquent to the credit bureaus a direct violation of : 11 U.S.C. 524 ( a ) ( 2 ) ( discharge injunction ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( reporting inaccurate data ) FCRA 1681i ( failure to investigate ) Your attempts to justify this false reporting by referencing a promissory note are irrelevant and legally baseless. The XXXX  discharge overrides any prior agreements. Furthermore, your investigation was superficial, boilerplate, and in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Servicing Solutions, LLC
State: NC

Complaint narrative:
No knowledge of this account. I did not open an account with this companie or any subsidiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Disputed Account : - Credit Collection Services XXXX XXXX XXXX ) - Account Number : XXXX XXXX Description of the Issue : I am submitting this formal complaint regarding the above-listed collection account, which does not belong to me. 
Actions Taken : XXXX. I sent formal dispute letters to the credit bureaus, notifying them that this account is not mine. 
XXXX. I contacted Credit Collection Services directly requesting a full validation and verification of this account. 
To date, I have not received any verification or documentation from the collector. 
The continued reporting of this unverifiable and inaccurate account is damaging my credit reputation. 
Applicable Federal Laws : - FCRA 611 [ 15 U.S.C. 1681i ] : Credit bureaus must investigate disputed information within XXXX  days.- FCRA 609 [ 15 U.S.C. 1681g ] : Consumers have the right to access all information in their credit file. 
- FCRA 623 [ 15 U.S.C. 1681s-2 ] : Prohibits reporting inaccurate or unverifiable information. 
- FDCPA 809 [ 15 U.S.C. 1692g ] : Debt collectors must provide written validation of the debt upon request. 
- CFPB enforcement guidance requires accurate reporting and timely responses by furnishers and collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). 

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR IMMEDIATE REMOVAL OF ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of Experian to remove fraudulent accounts from my credit report. Despite my submission of a police report and an FTC identity theft report ( FTC Report Number : XXXX ), Experian has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : 1. Account Name : XXXX XXXX  Account Number : XXXX Date Opened/Reported : XXXX 2. Account Name : XXXX Account Number : XXXX Date Opened/Reported : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of Experian may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue. 
Sincerely, 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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent applications or accounts attempted with Fifth Third Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX, a similar unauthorized action occurred involving XXXX XXXX XXXX. Prior to that, I found unauthorized credit activity with XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I did not apply for any accounts or authorize any inquiries with these companies. These actions were taken without my consent and are fraudulent. I have contacted the credit bureaus to place a fraud alert. I request that all related accounts and inquiries be removed from my credit report and that these companies confirm no accounts were opened in my name.

Company response to consumer: Closed with explanation