vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN ( Last XXXX ) : XXXX  XXXX : XX/XX/XXXXXXXX  Date : XXXX  Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Dispute of Bankruptcy Reporting Improper Verification with Third Party Vendor To Whom It May Concern, This letter is a formal dispute of the bankruptcy reporting on my credit file. I am specifically referencing the results of my prior dispute, provided in your letter dated XX/XX/XXXX ( Confirmation # XXXX ). 
In that written response, you openly admitted that Equifax confirmed my alleged bankruptcy information through a third-party vendor, XXXX. The exact wording of your letter states : This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
This admission is proof that you did not verify the record with the actual furnisher of information the U.S. Bankruptcy Court. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation and verify disputed information with the original source. XXXX is not the original furnisher of this alleged bankruptcy and therefore can not serve as verification. 
Additionally, FCRA 611 ( a ) ( 7 ) requires disclosure of the furnishers name, address, and telephone number. By listing XXXX, you confirm that the court itself was never contacted. This failure renders the bankruptcy information unverifiable, inaccurate, and non-compliant with Metro 2 reporting standards. 
Accordingly, I demand the following : 1. Immediate deletion of the bankruptcy from my Equifax credit report, as it can not be verified with the U.S. Bankruptcy Court. 
2. Written confirmation of the deletion within 30 days, as required by law. 
If you continue to report this unverifiable bankruptcy after admitting your reliance on a third-party vendor, I will be filing formal complaints with the CFPB and FTC, and will also pursue all legal remedies available under FCRA XXXX for your willful non-compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AR

Complaint narrative:
I am requesting a manual investigation to be made.

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
This account is now well beyond the statute of limitations in many jurisdictions and I have not received any written validation or verification of the debt after repeated harassment attempts.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I am writing to dispute and file a complaint against Williams & Fudge Inc. for inaccurately reporting an account with a balance of {$3000.00} on my credit report. 

This account is not mine. I have never opened, authorized, or had any relationship with Williams & Fudge Inc. regarding this alleged debt. Reporting this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires furnishers of information to ensure maximum possible accuracy. In addition, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits debt collectors from making false, deceptive, or misleading claims in the collection of debts.

Williams & Fudge Inc.s continued reporting of this debt as mine is both inaccurate and harmful to my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Starting from XX/XX/year>XXXX  until current date ( XX/XX/year>XXXX  ), this debt collector has consistent text my private cellular phone without my consent. 

This violates my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX  on XXXX. 15 U.S. Code 1679c Equifax reporting unauthorized fraudulent inquiry from XXXX XXXXXXXX XXXX  XXXX 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX  on XXXX. XXXX XXXX XXXX XXXX Transunion reporting unauthorized fraudulent inquiry from XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX  XXXX on 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.

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

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-08-17 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: IL

Complaint narrative:
I was reviewing my Transunion credit report and noticed some improper unauthorized inquiries that do not belong to me.

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 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My credit card issuer ( Synchrony Bank ) charged me approximately {$1000.00} in interest after my promotional 0 % APR ended. I was never notified by email or through my regular communication channels that this promotion was expiring. The only disclosure was in small-print fine text within monthly statements, which I believe is not clear or sufficient.

2. Why This Is a Problem I rely on clear email alerts and notifications from my bank for XXXX  account changes.

The bank failed to provide direct notice of the APR expiration, which resulted in unexpected charges.

The interest charges began accruing without my knowledge, despite me being in good standing with on-time payments.

3. What Ive Done So Far I contacted Synchrony Bank customer service as soon as I discovered the charge.

The representative confirmed they are unable to waive or adjust the interest.

I requested escalation, but was told interest charges are contractual and can not be waived unless due to a bank error.

I believe the lack of notification is a transparency issue that should be considered a bank error. 

4. Desired Resolution Reversal of the $ XXXX interest charges that accrued after the promotional period. 

A review of Synchrony Banks communication practices regarding promotional APR expirations to ensure clearer notice for customers in the future.

5. Supporting Details Account in good standing, always on-time payments.

Never received email or direct notification, only hidden within fine-print of statements. 

Other banks provide clearer communication ( emails, alerts ), which demonstrates industry precedent

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 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I mailed a Debt Validation Request to Systems & Services Technologies , Inc. ( SST ) under FDCPA 809 ( b ), 15 U.S.C. 1692g regarding the SST/XXXX account. 

SST has not provided proper validation. They failed to send the original signed XXXX  contract, proof of assignment to SST, or a complete itemized payment history. Despite this, SST continues to report the account to XXXX  as a collection/charge-off with inconsistent data. 

In XX/XX/year>, I disputed the account directly with XXXX  under FCRA 611 ( a ). XXXX marked the account verified without providing the Method of Verification required under FCRA 611 ( a ) ( 7 ).

The reporting contains serious contradictions : Balance does not reconcile with charge-off and payments. 

Date Closed conflicts with Date of Last Payment. 

The Date of First Delinquency has been re-aged to make the account appear newer.

This violates : FDCPA 809 ( b ) : Debt can not be collected or reported until validated.

FCRA 607 ( b ) : Maximum possible accuracy not maintained.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted.

FCRA 611 ( a ) ( 7 ) : XXXX  did not provide proper verification details.

Requested Resolution : Immediate deletion of the SST/XXXX tradeline from my XXXX report .

Confirmation that SST will cease all collection/reporting until proper validation is provided. 

Written disclosure of XXXX verification procedure for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-16 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 discovered multiple unauthorized hard inquiries on my Experian credit report. I did not initiate or authorize these inquiries, nor did I provide written consent to the companies involved. On XX/XX/, I submitted a formal dispute letter to Experian demanding deletion of these inquiries or documented proof of my authorization, including signed applications. Experian responded by refusing to delete the inquiries or provide any proof. They claimed they are not obligated to provide documentation and stated that I must contact each creditor individually to request removal. This is unacceptable and contrary to my rights under the Fair Credit Reporting Act ( FCRA 1681b ( c ) ), which requires that any hard inquiry must be authorized by the consumer in writing and for a permissible purpose. Experian failed to verify the inquiries or provide the requested evidence. I am requesting the CFPB to investigate this matter and ensure Experian either deletes the disputed inquiries or provides verifiable proof of authorization. I am also requesting Experian to comply with federal law and my rights as a consumer.

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 2025-08-16 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: CA

Complaint narrative:
The following account is being reported inaccurately and must be removed : Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off / Past Due {$13000.00} This reporting is inaccurate, inconsistent, and unverifiable. The account shows conflicting information regarding payment history, balance, and status. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. Because this account can not be verified as accurate and complete, it must be deleted. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete that item from the file. Please provide me with written confirmation of the results of your reinvestigation within the 30-day period required by federal law. If you verify this information, I request that you provide me with the name, address, and telephone number of each furnisher of information contacted in connection with your reinvestigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
The following account is being reported inaccurately and must be removed : Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off / Past Due {$13000.00} This reporting is inaccurate, inconsistent, and unverifiable. The account shows conflicting information regarding payment history, balance, and status. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. Because this account can not be verified as accurate and complete, it must be deleted. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete that item from the file. Please provide me with written confirmation of the results of your reinvestigation within the 30-day period required by federal law. If you verify this information, I request that you provide me with the name, address, and telephone number of each furnisher of information contacted in connection with your reinvestigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have disputed this account several times with the credit bureaus and the company. I have asked for account verification or deletion. The account is still being reported and I have not received any account verification from the credit bureaus or the 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Dispute of Collection LVNV FUNDING ( Account # XXXX ) To Whom It May Concern, I am disputing the reporting of LVNV Funding Account # XXXX, listed with a balance of {$160.00}, allegedly from XXXX XXXX XXXX 

I demand full validation under 15 U.S.C. 1681i, including : Original signed contract. 

Proof of assignment or purchase of debt. 

Complete account records from the original creditor. 

If this information can not be fully verified, the account must be deleted from my file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MA

Complaint narrative:
Name XXXX XXXXXXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  Requested On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1400.00} XXXX  XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Closed. 
Status Updated XXXX XXXX Balance {$300.00} Balance Updated XX/XX/XXXX Monthly Payment {$49.00} Credit Limit {$300.00} Highest Balance {$360.00}. 


XXXX XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Closed/Never late. Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Monthly Payment {$32.00} XXXX XXXX {$300.00} Highest Balance {$460.00} XXXX  XXXX XXXX  Account Type Credit card Date Opened XX/XX/XXXX Status Closed. Status Updated XX/XX/XXXX Balance {$200.00} Balance Updated XX/XX/XXXX Monthly Payment {$30.00} Credit Limit $ XXXXHighest Balance {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MA

Complaint narrative:
Name XXXX XXXXXXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  Requested On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1400.00} XXXX  XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Closed. 
Status Updated XXXX XXXX Balance {$300.00} Balance Updated XX/XX/XXXX Monthly Payment {$49.00} Credit Limit {$300.00} Highest Balance {$360.00}. 


XXXX XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Closed/Never late. Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Monthly Payment {$32.00} XXXX XXXX {$300.00} Highest Balance {$460.00} XXXX  XXXX XXXX  Account Type Credit card Date Opened XX/XX/XXXX Status Closed. Status Updated XX/XX/XXXX Balance {$200.00} Balance Updated XX/XX/XXXX Monthly Payment {$30.00} Credit Limit $ XXXXHighest Balance {$520.00}

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