vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to 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 2025-05-13 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: FL

Complaint narrative:
I WAS INCARCERATED FOR 20 YEARS! WHILE I WAS AWAY, SOMEONE OPENED ACCOUNTS IN MY NAME EVEN AFTER MY RELEASE! THERE ARE SEVERAL! I HAVE DISPUTED. BUT THEY CAME BACK VERIFIED! XXXX XXXX  TOOK ME TO COURT, AND IT WAS DISCOVERED THAT THE ACCOUNT WAS OPENED WHILE I WAS IN XXXX! CASE WAS DISMISSED WITHOUT PREJUDICE DUE TO THIS! IT'S STILL SHOWING ON MY REPORT! 
XXXX XXXX OPENED XX/XX/XXXX BALANCE XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-13 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: LA

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

XXXX XXXX XXXX XXXX XXXX {$430.00}

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 2025-05-13 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: IN

Complaint narrative:
XXXX furnished a letter that states no inquires were made. Also showed a balance on the letter that doesnt match my report. In this letter it they state everything is right. My credit report contradicts everything they say. Report will show balance paid but increases by {$86.00} which makes no sense. Someone needs to fix this 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 2025-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XX/XX/year>, while on the XXXX XXXX website, I responded to a credit card solicitation for an XXXX XXXX XXXX XXXX where the disclosure statement specifically stated verbatim that there would be no hard inquiry posted on credit report unless XXXX approved the credit card application, which XXXX did NOT. ( See attached disclosure from XXXX on XXXX XXXX ). 

Three ( 3 ) days later, today, on XX/XX/year>, I received an emailed notification from XXXX that my Equifax credit score had decreased XXXX XXXX ) points down from XXXX to XXXX. ( See attached excerpt from online XXXX Acct tracking my Equifax credit report ). 

This hard inquiry was wrongfully placed on my Equifax credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Case ID # XXXX - this account states it was charged off, I have not received a 1099, this information is inaccurate, I also disputed Statue of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXXi ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
Debt is owed to another creditor United auto credit XXXX Never done business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never gave this company any permission to access my credit. I didnt apply for anything with them, and I never authorized a credit check of any kind. This inquiry was done without my knowledge or consent, and thats a serious 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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC.
State: NC

Complaint narrative:
I received texts about a XXXX account that was in my name that had a balance of {$39.00}. I do not have a XXXX account. I have since blocked the messages so I don't have the phone number to give you. Then I received a collection notice from Synter Resource Group, LLC stating {$39.00} USD from XX/XX/XXXX. When I looked online, it said these were fraudulent texts and I believe this group is also fraudulent. I have filed a fraudulent case with XXXX case number XXXX notifying them that this is not my account/debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, My home insurance company submitted documentation to remove an escrow account created in error. On XX/XX/XXXX, I noticed a second escrow account was created in relation to the same matter. I contacted Mr. Cooper to remove the second escrow account and request a copy of the letter stating my home insurance was cancelled. The company refused to provide me with the letter in question. The home insurance company and I was left waiting on hold for over 45 min with no response or resolution to this matter. My call duration in total with Mr. Cooper in attempt to resolve this matter lasted over 2.5 hours. I spent a lot of time off work to resolve this matter with Mr. Cooper and was very upset and disrespected with being left on hold and not getting my situation resolved. Currently, I am forced with an escrow account created in error and obligated to continue making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 did not open these accounts this is identity theft I do not recognize these accounts inaccurate information on credit reports, failing to properly address consumer disputes, and reinserting inaccurate information after it's been deleted. These issues often stem from faulty intake procedures, uncritical acceptance of furnisher responses, confusing notifications, and a failure to implement proper matching tools to prevent reinsertion of inaccurate 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-13 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: EQUIFAX, INC.
State: HI

Complaint narrative:
This inquiry was not authorized by me. I never gave permission or consent for this company to access my credit, and I did not initiate any application or request that would justify this pull. It was done without my knowledge, and thats a serious violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 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 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 2025-05-13 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. CXXXX XXXXb ( 2 ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. CXXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX U.S. CXXXX XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. CXXXX XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: HI

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no association with it, and Ive never authorized it in any way. It does not belong on my report, and I have serious concerns about how it ended up there in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid this debt in full, as confirmed by a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( attached ). Despite providing this to XXXX in a formal dispute, the credit bureau failed to update the balance or payment status. Synchrony Bank continues to report a balance of {$5200.00}, which is false and damaging to my credit profile. This is a violation of the Fair Credit Reporting Act ( FCRA ), as creditors are required to report accurate and current information. I request that the credit report be updated to reflect a {$0.00} balance and the paid status.

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 2025-05-13 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: GA

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received AMEX gift card from uncle. Tried multiple different businesses online and none of the transactions go through. Reached out to AMEX and XXXX XXXX  and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing four separate accounts reported by LVNV Funding LLC, which are appearing on my credit reports with the alleged balances of {$1500.00}, {$1500.00}, {$1300.00}, and {$980.00}. I have submitted formal debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and filed disputes with the credit bureaus under the Fair Credit Reporting Act ( FCRA ). However, LVNV Funding has failed to provide legally required documentation validating these debts. 
For each of the four accounts, I specifically requested : A full itemized breakdown of the alleged debt ( principal, interest, fees, etc. ) A copy of the original contract or agreement with my signature A copy of the assignment, transfer, or purchase agreement that proves LVNV Funding has the legal right to collect and report this debt Proof of chain of title from the original creditor to LVNV Proof of debt collection licensure in my state ( if applicable ) All prior written communications regarding the alleged debt Details : 1. LVNV # XXXX {$1500.00} LVNV continues to report this debt without providing the original contract, my signature, or the assignment contract despite my request. This is a violation of FDCPA and FCRA. 
2. LVNV {$1500.00} Reported to XXXX  and XXXX, this debt lacks proper verification. It incorrectly names LVNV as the original creditor and does not include the assignment contract or a copy of my signed agreement. 
3. LVNV {$1300.00} I requested full validation including the signed agreement and assignment contract. No documents have been produced, and collection efforts have not ceased. 
4. LVNV {$980.00} LVNV reported this debt with an open date of XX/XX/year>. I disputed it and asked for the signed contract and legal transfer documents. To date, nothing has been provided.

Company response to consumer: Closed with non-monetary relief