vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX 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 XXXXXXXX.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-11 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: NY

Complaint narrative:
Complainant : XXXX XXXX I am submitting this formal complaint against the bureaus for their repeated failure to resolve multiple disputes regarding inaccurate and potentially unverifiable information on my credit report. Despite my previous disputes and notices, the bureaus have failed to take any corrective action or provide legally sufficient responses as required by the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting a proper investigation, the bureaus have issued generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This failure violates the FCRAs requirements under : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Obligation to ensure maximum possible accuracy Disputed and Unresolved Accounts : XXXX XXXXXXXX XXXX Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Collection Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information : Also Known As : XXXX XXXX XXXX ( appearing twice ) Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( appearing twice ) These personal details are inaccurate and do not belong on my credit profile.

The Bureaus Have Failed to Provide : A specific method of verification used for the accounts in question The names, titles, and contact information of the data furnishers Any supporting documentation relied upon to verify the disputed 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 2025-07-11 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: NY

Complaint narrative:
Complainant : XXXX XXXX I am submitting this formal complaint against the bureaus for their repeated failure to resolve multiple disputes regarding inaccurate and potentially unverifiable information on my credit report. Despite my previous disputes and notices, the bureaus have failed to take any corrective action or provide legally sufficient responses as required by the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting a proper investigation, the bureaus have issued generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This failure violates the FCRAs requirements under : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Obligation to ensure maximum possible accuracy Disputed and Unresolved Accounts : XXXX XXXXXXXX XXXX Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Collection Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information : Also Known As : XXXX XXXX XXXX ( appearing twice ) Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( appearing twice ) These personal details are inaccurate and do not belong on my credit profile.

The Bureaus Have Failed to Provide : A specific method of verification used for the accounts in question The names, titles, and contact information of the data furnishers Any supporting documentation relied upon to verify the disputed 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform you that my credit file has been affected by fraudulent activity. I have reviewed entries that I did not authorize, open, or consent to in any form.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2025, a {$200.00} payment I made to my PayPal Credit account was reversed, as noted by a Payment Reversed entry in my account. This happened due to fraud on my checking account ( XXXX ), and the payment was returned. Synchrony then added the {$200.00} back onto my balance, which pushed the account over the credit limit.

I took immediate steps to resolve the situation and made two follow-up payments : {$60.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I made these in good faith to address the issue and try to restore the account. 

Despite these efforts, I received a letter dated XX/XX/2025, informing me that the account had been permanently closed. I was not offered a payment plan, resolution option, or chance to keep the account open, even though I had a long history of on-time payments and had previously received credit line increases. 

Meanwhile, my husband also a Synchrony customer was offered a payment plan despite not making a payment since XX/XX/2025. This inconsistency in treatment is deeply concerning. 

I asked Synchrony to reconsider or adjust the credit reporting, but was told the closure was permanent. This situation, caused by fraud and corrected promptly, is now damaging my credit. I feel I was treated unfairly and not given the same opportunity others were.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint because I am being inaccurately and unfairly reported by Capital OneXXXX Department XXXX XXXX XXXX Experian credit report. 

The account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) shows a charge-off with a balance of {$490.00} XXXX XXXX  reported as of XX/XX/year>, with the status stating Account charged off. {$490.00} written off. {$490.00} past due. This is inaccurate and misleading for several reasons : 1. A charge-off means the debt was written off and should reflect a {$0.00} balance owed. You can not report both a charge-off and an outstanding balance simultaneously this is a direct violation of the FCRA, specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information must provide complete and accurate information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy.

2. The account is being reported as past due even though it is supposedly charged off. This is deceptive, inaccurate, and creates harm to my credit profile, which can affect employment, housing, and lending decisions.

3. I have not received any recent correspondence regarding this alleged balance or charge-off and was not given the opportunity to validate the debt.

I am demanding that the CFPB investigate this account reporting and take action against Capital One/XXXX  and XXXX for failure to comply with federal consumer reporting laws. I request : The immediate removal of the inaccurate charge-off and {$490.00} balance from my credit file ; A full investigation into the reporting practices of Capital One/Kohls in this case ; A written response with the outcome of this dispute and confirmation of correction or deletion.

I am attaching a copy of the report for your reference. This matter is negatively and unfairly affecting my financial standing, and I expect a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: OH

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year>

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
I purchased a XXXXXXXX XXXX XX/XX/XXXX. I got a loan for {$1500.00} and I made some payments and my last payment was done XXXX XX/XX/XXXX. I stopped paying because I lost my job and I couldn't pay the vacuum. I contacted the company to tell to come pick up there product because I lost my job and they never listen to me. 
Since XX/XX/XXXX I lost communication from XXXXXXXX XXXX XXXXXXXX this company sold me the vacuum. 
this company sold my information to Merchants acceptance corporation. 
they started a demand against me in XXXX without notifying me. 
In XXXX XX/XX/XXXX I received a letter from Merchant acceptance corporation. They want me to pay {$8600.00}. I am 100 % disagree with this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute due to fraudulent items appearing on my credit report. These entries were not authorized, initiated, or approved by me. I have never had any relationship with the originators of these items.

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