vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been using carecredit through synchrony bank since XXXX. After paying my credit off on time every month since opening the account, I requested the pay off balance to completely pay off the loan in XXXX. I paid the amount due which noted that it included any interest up to that date and paid it same day and my transaction went through that same day as well. This was completed on XX/XX/XXXX. XX/XX/XXXX I was charged XXXX $ in interest on my already paid balance. Unaware that this was being charged I did not pay as my autopay was discounted due to paying the balance in full. Then, care credit reported that I had late payments to the credit bureau. I immediately reviewed my account and see that they have been incorrectly charging me. I contacted carecredit and synchrony bank to get this resolved. They stated that they will not be making changes, they refused to direct me to a supervisor. They stated that the account is closed and paid in full. They stated that they are allowed to charge interest even though it was paid in full. They stated that the interest in accrued from the XXXX of each month, which means the interest for XX/XX/XXXX was paid with the pay off balance on XX/XX/XXXX. I advised the representative of this and they said theres nothing they will do and they refused to allow me to make a formal complaint with the company. I believe the changes are fraudulent and this has drastically impacted my credit score.

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 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a letter dated XX/XX/year> from " Best Buy Credit Services '' stating that " my application for a Best Buy XXXX card has been declined. However, I have never tried to open a credit card with Best Buy. When I called the phone number on the letter, it would not let me talk to a representative - the automated service simply repeatedly asked for my social security number. I did not give it to them. 

The letter " looked '' legit, but seems like a scam to get personal information. 
The phone number listed on the letter was : XXXX Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I received a call from a " No Caller ID '' number stating that the call was being recorded and it was an attempt to collect a debt. The caller asked me to reveal personal information, which I refused. I asked for proper validation of the debt they are attempting to collect. The caller only responded that they were a licensed debt collector and tried to give me a website and a reference to verify the claims. I told them I would not disregard cybersecurity best practices and enter personal information into an unknown website. When I requested a letter with the proper validation, I was told, " We can not do that, but you can log in and review your account balance online instead. '' I asked them not to contact me again other than the letter I requested in the mail. Immediately following the call, I received a text containing a website, reference number, debt amount, XXXX license number, and phone number to call. Following security best practices, I looked up the information for XXXX XXXX XXXX on XXXX and called the number on the website. I asked if the debt was valid or a scam, and they refused to answer unless I provided personal information for them to look me up. I received a couple more calls that I didn't answer and another text on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Can you help me, CFPB? Im filing this complaint against TransUnion because they reinserted an account that had already been deleted from my credit report, and they did so without providing the required noticean action that violates several provisions of the Fair Credit Reporting Act ( FCRA ). In XX/XX/year>, I disputed the XXXX XXXX XXXX account with TransUnion. On XX/XX/year>, I pulled my credit report and verified that the account had been deleted. Then, on XX/XX/year>, I received written confirmation from TransUnion that the account was removed from my credit file. But when I checked my report again on XX/XX/year>, I was shocked to find that the same accountXXXX XXXX XXXXwas reinserted, and I was never notified. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), XXXX was required to notify me in writing within XXXX business days of reinserting any previously deleted information. This notice must include the name and contact information of the furnisher and inform me of my right to file a statement of dispute. XXXX failed to do any of this. This lack of notice and failure to follow proper procedure also raises serious concerns about whether XXXX is maintaining reasonable procedures to ensure the accuracy of consumer reports, as required by 1681e ( b ) especially since other credit bureaus did not report this account. Im asking CFPB to please investigate this matter, require XXXX to permanently delete this account, and hold them accountable for failing to comply with FCRA requirements

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 2025-04-04 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Debt was close was delete from credit report but showing back up as open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was delete but show back up on my credit report please delete from my credit report asap

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 2025-04-04 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Improper collection practices, inaccurate debt amounts, violation of FDCPA, failed to provide an itemized statement about the debt making it difficult to verify, the credit card Companys discharged all of my credit cards, therefore they closed them they took a tax write off. Resugent and LVNV brought the debt and never sent me a 1099c. Unlicensed debt collection agencies can't collect in the state of North Carolina, they violated federal and state laws therefore my rights, 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 and closed. According to the FCRA these accounts are uncollectable, therefore they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Experian credit report contains serious errors that should have never been reported. This repeated negligence raises concerns about the reliability of your verification process. These inaccuracies are not just numbers on a reportthey are directly harming my financial well-being. I refuse to let this negligence go unchallenged. 

Under the FCRA, every piece of information on my report must be XXXX  % accurate and backed by legitimate documentation. If these errors can not be verified with concrete, original records, they must be deleted immediately. I demand a thorough reinvestigation and expect an immediate resolution. Any further delay or refusal to comply will be considered a willful violation of my consumer 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 2025-04-04 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: IDAHO CENTRAL CREDIT UNION
State: VT

Complaint narrative:
I have XXXX from the Idaho central credit union that was fraud and they still have thrown it onto my report I have XXXX from XXXX when I didnt even live there All the report things that come back that are delinquent are fraud and not me! I didnt even know my social security number until XXXX  year ago and then when trying to apply for my new XXXX apartment I got denied after further investigation someone was using my social I need all of this whiped some have been closed but theres till on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Correct XXXX XXXX XXXX XXXX XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
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 XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$830.00} Date Opened : XX/XX/year> PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$470.00} Date Opened : XX/XX/year> Under XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) ( 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 XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CA

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-04 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: CA

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief