vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I am writing todisputethe validity of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written verification of this debt, including the original creditors name and detailed documentation substantiating your claim.

Additionally, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : If you have reported this information to any credit reporting agencies, you are required to ensure that the information is accurate.

15 U.S.C. 1681i : I amdisputingthis information with the credit bureaus, and I expect a thorough investigation.

15 U.S.C. 1681c-2 : If this debt is related to identity theft or fraudulent activity, I request its immediate blocking from my credit reports, and I will provide supporting documents if necessary.

Please cease all collection activities until you have provided the requested verification. Failure to comply with these legal obligations may result in my pursuing legal remedies for violations of federal law.

Thank you for your prompt attention to this matter. I expect your response within 30 days ofreceivingthis letter, as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX filed a glass-only windshield repair claim under my policy. Internally, they correctly flagged it as comprehensive glass coverage, which is a protected class of claim under Florida law and not supposed to be used for rating or reporting. 

However, XXXX misreported the claim to LexisNexis as a comprehensive claim over {$1000.00}. LexisNexis then inserted this false label into a C.L.U.E . report. XXXX pulled this report prior to my XX/XX/XXXX policy renewal and used it to re-rate me as high risk, increasing my 6-month premium by {$580.00}. 

After I disputed the report with LexisNexis on XX/XX/XXXX, the incorrect entry was suppressed. I then called XXXX, and after re-quoting me without the claim, the rate dropped by an additional {$760.00} confirming the damage was real and traceable to their misuse of the C.L.U.E . data. 

During a recorded call on XX/XX/XXXX, a Tier 3 manager from XXXX named XXXX acknowledged the claim was listed as glass-only in their system but claimed all glass claims are comprehensive and therefore rateable. He refused to escalate to legal/compliance or acknowledge the applicable state and federal laws. He also threatened to review whether to reinstate the now-suppressed claim, which I believe constitutes retaliation for exercising my dispute rights under the FCRA. 

This conduct violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681s2 ( b ) : Failure to correct inaccurate data 15 U.S.C. 1681e ( b ) : Use of false or misclassified data for adverse action 15 U.S.C. 1681n : Willful noncompliance causing actual harm And Florida Insurance Law, including : F.S. 626.9541 ( 1 ) ( o ) ( 10 ) : Prohibits use of glass-only claims to calculate premiums Florida Admin . Code 69O-170.105 ( 1 ) ( d ) : Prohibits factoring glass claims into rate schedules F.S. 626.9541 ( 1 ) ( i ) 3.a : Failure to adopt proper standards for claims data handling I have audio transcripts, re-quotes, and direct admissions from XXXX agents and managers confirming the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
company refuses to remove a credit account that js older then 7 years

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and XXXX credit reporting agency . I request that you ( CFPB ) 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. 



In accordance with the Fair Credit Reporting act, a inaccurate a account that was already deleted include XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX opened XX/XX/year> Shows 8 late payments This was already removed once in the case of identity thief! It is illegal to remove and place back on my credit consumer profile according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX Bought debt on XX/XX/XXXX ( illegal ) according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). & 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 agett onto ncy can not furnish a account without my written instructions All the accounts are falsely on my Experian, Trans Union and XXXX consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.

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 agett onto ncy can not furnish a account without my written instructions

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 2025-06-24 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: TX

Complaint narrative:
Credit reporting agencies are reporting XXXX XXXX Account to my consumer credit report as having delinquent payments. This is incorrect. I have statements of payments made to this account. Further, XXXX XXXX abruptly closed my account without notice. According to the credit report, my last payment was XXXX. However, they are the report show a XXXX payment but nothing for XXXX. I have not missed a payment.

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 2025-06-24 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: TX

Complaint narrative:
Credit reporting agencies are reporting XXXX XXXX Account to my consumer credit report as having delinquent payments. This is incorrect. I have statements of payments made to this account. Further, XXXX XXXX abruptly closed my account without notice. According to the credit report, my last payment was XXXX. However, they are the report show a XXXX payment but nothing for XXXX. I have not missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MA

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} Date Opened : XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$67.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Friedman, Framme & Thrush, P.A.
State: MD

Complaint narrative:
I am filing a complaint regarding Case # XXXX due to continued wage garnishment and deceptive settlement practices by XXXX XXXX XXXX and their legal representatives at Friedman , Framme & Thrush P.A. 

On XX/XX/XXXX, I received a formal written offer to settle the account for {$2900.00}. The letter stated that if certified funds were received by XX/XX/XXXX, the garnishment would be terminated, the claim closed, and an order of satisfaction would be issued. 

Since then, I have paid a total of {$8900.00} which is more than XXXX times the original settlement offer, and well above the {$5400.00} balance at the time of legal action. 

However, in XX/XX/XXXX, I was told I still owe approximately {$8000.00}, and was offered a new settlement in the range of {$1600.00}. The representative claimed this was due to interest over time, but no documentation or accounting was provided. 

I believe I am being over-collected, misled, and subjected to potentially unlawful garnishment practices. I am requesting that the CFPB investigate this matter for violations of the Fair Debt Collection Practices Act ( FDCPA ), failure to honor a written settlement, and continued garnishment despite clear overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am disputing this payment history as inaccurate and unverifiable under the Fair Credit Reporting Act FCRA section 611. At no point have I received documentation proving the validity of this alleged delinquency. And to my knowledge. The record being reported is either outdated incomplete or otherwise inconsistent with my payment activity. 
I am requesting a full reinvestigation of this account unless the late payment. An be verified with complete and accurate documentation. Including timestamp internal logs or notices from the creditor. This information must be removed immediately from my credit report. 
Please provide me the full results of your investigation including names and contact information of the furnisher of data.

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 2025-06-24 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 contacting you to report fraudulent accounts that were created without my knowledge. I am not liable for these accounts and am requesting their removal under 15 U.S. Code 1681g. Please resolve this within 15 days. Supporting documents are included.

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 2025-06-24 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$200.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$29000.00} Date Opened : XX/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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
incorrect late payments reporting on multiple accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: KY

Complaint narrative:
I am submitting this complaint in response to an identity theft issue involving inaccurate and unauthorized items reported by the 3 bureaus. I recently submitted a formal dispute to 3 bureaus regarding several fraudulent accounts and/or inquiries that appear on my credit report. These accounts were not authorized or opened by me, and I did not receive any money, goods, services, or benefit from them. I am the rightful consumer initiating the dispute, and I am not working with any third party, credit repair service, or credit clinic. Despite my submission of valid dispute documentation, including identity verification and proof of address, 3 bureaus sent me a letter suggesting they would not process the request unless it came from me directly. All of my communication did, in fact, come directly from me. I believe this is a mishandling of my dispute under the Fair Credit Reporting Act ( FCRA ). I am requesting that 3 bureaus properly reinvestigate the accounts I disputed, and take immediate action to remove any fraudulent information that does not belong to me. I have attached supporting documents to 3 bureaus to validate my identity and current residence, and I am prepared to cooperate further if necessary. However, I need the CFPB to assist in ensuring 3 bureaus complies with the law and takes this matter seriously.

Company response to consumer: Closed with non-monetary relief