vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 XXXX XXXX XXXXXXXX ), 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 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
" I dispute this debt. Under FCRA XXXX ( b ) and Regulation Z, provide : - A copy of my signed contract. 
- Complete payment history ( XXXX accounting ). 
- Proof of the debts current ownership. 
Failure to respond within XXXX days requires deletion from my credit report. " *

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im filing a complaint against Equifax for reporting false and inaccurate information on my credit report information I believe is tied to their massive data breach.

Despite multiple disputes, Equifax continues to report incorrect negative items that are harming my credit. Theyve failed to investigate properly and are violating the Fair Credit Reporting Act by knowingly reporting inaccurate data.

Im requesting that the CFPB investigate Equifax, require them to correct or remove the false information, and hold them accountable for the damage caused by their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of birth XX/XX/year> Ssn XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices Dear [ Debt Collector ], I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law.

Account number XXXX Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : 1. Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

2. Itemized Breakdown A detailed statement of how the amount was calculated.

3. Original Creditors Information Full details, including the name and address of the original creditor.

4. Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt.

Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action.

If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations.

I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of birth XX/XX/year> Ssn XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices Dear [ Debt Collector ], I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law. 
Account number XXXX Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : 1. Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

2. Itemized Breakdown A detailed statement of how the amount was calculated.

3. Original Creditors Information Full details, including the name and address of the original creditor.

4. Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt.

Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action.

If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations.

I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter. 
Sincerely, 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i was a victim of XXXX tracicking and my whole identity was stolen.

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 2025-06-11 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i was a victim of XXXX tracicking and my whole identity was stolen.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, I sent a total of {$6000.00} through XXXX to an individual named XXXX XXXX. She ( or someone impersonating her ) convinced me she was organizing a legal travel process to help my family escape unsafe conditions in XXXX, including securing transit visas and other travel documents. 

I provided her with my familys passport photos and communicated frequently with her, as she gave regular updates and reassurances that the process was underway. Based on these communications, I made the following XXXX transfers : XX/XX/XXXX {$1800.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$500.00} I have proof that one of the payments was acknowledged by the recipient via message. However, no services were delivered. When I tried to follow up, I received no response. Later, XXXX XXXX claimed she had no knowledge of the transactions. I believe this was a clear case of fraud.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv funding LLC continues to report inaccurate balances and personal information, I have asked for original contracts from original company and they provide only what they have purchased from creditors I want original contract from original company with my contract agreement not copys that are altered I have also filled complaint with FCC for there repeating harassment phone calls Please help and remove all 3 accounts from Lvnv funding LLC Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am following up on a previously closed complaint ( CFPB Case # XXXX ). I received a full refund of {$8700.00} from XXXX XXXX on XX/XX/XXXX which included the {$6400.00} promotional charge made to my CareCredit account on XX/XX/XXXX. 
Despite this, Synchrony Bank refuses to remove the balance or correct the reporting to credit bureaus. They continue to report this debt as charged off, even though I am no longer financially responsible for it. I was refunded by the merchant after an extended dispute over faulty services.

Synchrony mailed me account statements but never explained how they handled the refund or why the charge still appears. They acknowledged in their written response that I received the {$8700.00} refund, yet they did nothing to resolve the issue.

This is causing serious damage to my credit and ongoing financial stress. I am requesting that the {$6400.00} charge and all related interest or fees be removed from my credit report, and that Synchrony provide a full written explanation and adjustment.

This is a violation of the Fair Credit Reporting Act and must be reviewed further.

I understand the account was closed due to delinquency, but I stopped paying because the service I was billed for was defective and unresolved for over a year.

I was repeatedly blamed and dismissed, forced to go to multiple dental providers for proof before anyone would help. I finally reached an agreement and was issued a full refund.

The {$6400.00} charge should have been removed from my account regardless of account closure. Synchrony is continuing to report a balance that does not reflect the corrected history of the account, and this is causing real financial harm.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> Summit Account Resolution XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Under 15 U.S.C. 1692g To Whom It May Concern, I am formally requesting validation of the alleged debt referenced in your recent communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please note that I am not refusing to pay, but I am requesting verification in accordance with my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), I am requesting the following : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemized breakdown of all interest, fees, payments, and charges 3. A copy of the original signed agreement or contract bearing my signature ( if applicable ) 4. Proof that you are legally authorized to collect this debt on behalf of the creditor 5. A copy of any judgment ( if applicable ) Please also confirm whether this debt is within the statute of limitations in my state and whether it is being reported to any credit bureaus.

During this verification process, you must cease all collection activities, including reporting the debt to credit reporting agencies, until the requested validation is provided, per FDCPA 1692g ( b ).

If you can not provide the requested information, you are required to cease collection efforts and remove any information related to this alleged debt from any credit reporting agency to which you may have reported it.

Please respond to this request in writing within 30 days. If you continue collection efforts without validation, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation