vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
In XX/XX/year>, dispute letters were sent out to credit bureaus regarding inaccurate and unverifiable 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 2025-11-18 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: IL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
I am disputing several items on my Experian credit report. I believe the following accounts and inquiries are inaccurate or incomplete and request a full investigation. 

XXXX. Charged-Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX *, XX/XX/XXXX, {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX. Inquiries : XXXX XXXX XXXX, XX/XX/XXXXXXXX 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 XXXX XXXX XX/XX/XXXX Please verify these accounts and inquiries. Remove or correct any information that can not be substantiated.

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 2025-11-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I was having a dispute with XXXX  XXXX about the amount owed and trying to negotiate a settlement amount I would pay off in less than a week. They chose to charge the amount off and close my account immediately after talking to them. Then I started getting collection communications from resurgent demanding payment ( email, text and letters ). So I asked them to provide me in writing verifiable proof they are allowed to collect any debt... been scammed out of money like this before and don't want to lose money again. I reached out to them several times and they refuse... just keep sending this made up looking paper XXXX an amount on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

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.

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 XXXX 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 XXXX 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 2025-11-18 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: EQUIFAX, INC.
State: GA

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.

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 XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Can you double-check this entry? I did it late and it may be flawed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX Acct # XXXX To. I.C. System Inc, This is a fraudulent account that I know nothing about. I dont owe this Debt and i dont know anything about this debt. I disputed this Debt with XXXX in XXXX and this should have been taken off my Credit Report. I already made a complaint with the CFPB. This was fraud and a fraudulent account created by someone I dont know. My signature isn't attached to this account anyway.

Under section 16 US 1692G- I need I.C. System Inc to produce the following items because this was fraud : 1. Send a detailed list of payment history made on this account by me.

2. I request the signature that was put on this contract that guarantee to pay the creditor.

3. I'm asking to see if there has been any insurance claim filed on this Debt.

4. I want to see the Chain of Time, to collect this det. 

I would like this to be deleted off my Credit Report immediately because this is a violation of The Fair Credit Reporting Act.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
I refinanced my mortgage, which closed on XX/XX/year>, and my old escrow account should have been refunded the amount of {$6200.00}. A BSI Financial representative stated that they issued the refund check on XX/XX/year> and a different representative stated they issued it on XX/XX/year>. I was confused to hear that they had conflicting dates. I also checked the address that it was sent to and they sent it to the wrong address. I contacted BSI to have the check stopped and reissued to the correct address, but they are refusing to reissue it until 30 days from the original issue date due to their internal policy. 

This delay has caused me inconvenience and additional stress in resolving the matter. I request that BSI promptly reissue the escrow refund and provide a goodwill credit for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-18 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this formal complaint against Jefferson Capital for improper and harmful credit reporting practices that violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The debt collector has reported negative information to one or more of the credit bureaus without proper verification and/or without complying with legal requirements. Specifically : The debt collector has reported negative information that I dispute, yet they continue reporting without providing validation or correcting inaccuracies. 

I requested debt validation, but the collector failed to provide sufficient documentation proving ownership, accuracy, or the legal right to collect this debt. 

Despite the lack of validation, negative information remains on my credit reports, damaging my creditworthiness and causing financial harm. 

I believe the collectors actions constitute continued collection activity on an unvalidated debt, as well as furnishing inaccurate or unverified information, both prohibited under federal law.

Under the FDCPA ( 15 U.S.C. 1692g ), a collector must cease collection activities until proper validation is provided. Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers may not report inaccurate or unverified information to credit bureaus.

I am requesting that the CFPB : Investigate the actions of Jefferson Capital. 

Require the collector to provide proper validation or cease reporting the account. 

Ensure the removal of any inaccurate, unverifiable, or improperly reported negative information. 

Take any appropriate enforcement action to prevent future violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On my credit report recently shown for a rental lease it had the Title : SYNCB/PPC With this information that I have no idea where it came from. It is all incorrect and false. 

Last Reported Account Designator Industry Loan Type Credit Limit Loan Term Payment Amount Highest Balance Status Past Due Remarks Notes XXXX, XXXX Individual account for sole use of consumer Banks Credit Card {$800.00} Revolving Opened Date Closed Date Paid out Date {$0.00} Paid or paying as agreed {$0.00} Inactive account Automated Account Account closed normally XX/XX/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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Fraudulent Debt Assignment / Improper Debt Sale After Lien Release / Inaccurate Credit Reporting/Potential Retaliation Company : Synchrony Bank Secondary Company : XXXXXXXX XXXX XXXX Summary of Complaint : On XX/XX/year>, Synchrony Bank issued the physical title for my vehicle, confirming the lien was fully released. Once a lien is released and title issued, the lender loses legal ownership and can not legally sell, assign, or collect the debt. 

Despite this, Synchrony sold the alleged debt to XXXX XXXX XXXX, which reported the account with an open date of XX/XX/year>, nearly a month after the lien release. This demonstrates a fraudulent assignment and improper reporting. 

Legal Violations : FCRA, 15 U.S.C. 1681 et seq. ; 12 C.F.R. 1022.41 & 1022.43 Reporting invalid debt constitutes inaccurate reporting.

TILA, 15 U.S.C. 1601 et seq. ; 12 C.F.R. 1026 ( Regulation Z ) Misrepresentation of loan status, balances, or collection rights violates disclosure requirements.

CFPA / UDAAP, 12 U.S.C. 5531 ; 12 C.F.R. 1040.1 et seq. Selling debt the lender no longer owns is unfair, deceptive, and abusive.

Potential Retaliation / Bad-Faith Practices Assignment after a prior CFPB complaint may constitute retaliation.

Requested Actions : Investigate Synchronys illegal sale/assignment of debt post-lien release.

Verify whether Synchrony had legal authority to sell or assign this debt after issuing the title.

Provide full documentation of the chain of assignment. 

Delete the XXXX XXXX XXXX account from my credit report. 

Take enforcement action for violations of FCRA, TILA, CFPA/UDAAP, and related laws.

Ensure Synchrony Bank can not further report or attempt collection on this invalid debt. 

Conclusion : The lien release dated XX/XX/year> legally closed the account. Any subsequent sale or reporting is fraudulent, misleading, and unlawful. Immediate corrective action is required to protect my credit and enforce compliance with federal law.

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 2025-11-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a formal dispute regarding several inaccuracies found in my TransUnion credit report. These issues may stem from FCRA violations, including the inaccurate reporting of account statuses and the handling of sensitive data. 
Personal Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> SSN : [ Last four digits : XXXX ] Current Address : XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Disputed Accounts : XXXX. XXXX XXXXXX/XX/XXXXAccount Number : [ Insert Account Number ] o Original Creditor : XXXX XXXX Status : Charge-Off o Balance : {$3700.00} o Reason for Dispute : The reported status is inconsistent with the actual account history, violating Section 1681c of the FCRA, which mandates accurate reporting. 
XXXXXX/XX/XXXX Account Number : [ Insert Account Number ] o Status : Closed o Reason for Dispute : The payment history does not accurately reflect the dates of last payment, and the balance is reported as unsettled. 
XXXX. XXXX XXXX Account Number : [ Insert Account Number ] o Status : Charge-Off o Reason for Dispute : The late payment history reported is incomplete, and the account shows discrepancies with the actual payment records. This violates Section 1681c ( a ) of the FCRA, which requires accurate reporting. 
FCRA Violations : Discrepancies in reported balances and payment statuses. 
Failure to remove or correct negative information past the required reporting period. 
Potential data security and privacy concerns relating to how account information was handled.

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