vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
This collection account was placed on my credit reports without proper notice or validation, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), which requires a debt collector to provide written notice of the debt, including the amount, the name of the original creditor, and my right to dispute the debt within 30 days before or at the time of initial reporting. I never received any such notification prior to this account being furnished to the credit reporting agencies. Additionally, under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681s-2 ( b ), furnishers are required to report only information that is complete, accurate, and verifiable. Despite my dispute and validation request, XXXX has failed to provide competent evidence of the debt, including a copy of the original contract, itemized billing statements, proof of ownership or assignment, or proof that the amount of {$850.00} is accurate. Under FCRA 1681g and 1681i, verification requires more than a simple confirmation of internal records ; it requires documentation that the account belongs to me and is legally collectible. Furthermore, continued reporting of this unverified account violates XXXX XXXX reporting standards, which require furnishers to ensure accuracy, proper status reporting, and timely responses to consumer disputes. Failure to validate within the required timeframe constitutes non-compliance and exposes the furnisher to civil liability of up to {$1000.00} per violation under FCRA 1681n, in addition to actual and statutory damages under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on 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 2025-12-23 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: 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 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 2025-12-23 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: GA

Complaint narrative:
I recently contacted the bureaus because i am a victim of identity theft. I did not open a att account and i dont have XXXX. I did not pay anyone in a settlement.. I only have XXXX address. not 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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I requested numerous times for a loan deferment and reduction of payment due to hardship. I was affected by the government shutdown, as well as my car was in the shop getting repairs ( engine replacement ) for over 3 weeks. My main source of income is rideshare so I was unable to earn income during the 3 weeks of repairs on my car. 

They requested that I pay a {$50.00} commitment fee in order to get apply for payment deferment that I am not guaranteed to get approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 explanation
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I am a victim of identity theft following a data breach that compromised my personal information. In XX/XX/year>, I discovered multiple credit accounts and tradelines on my consumer credit reports that I did not open, authorize, or benefit from. These accounts were created and used without my knowledge or consent. 

Upon discovery, I immediately took action by filing official Identity Theft Reports with the Federal Trade Commission, monitoring my credit, and disputing the fraudulent accounts with the credit reporting agencies. Despite providing documentation showing that these accounts resulted from identity theft, the negative items continue to be reported and have not been properly blocked or removed.

Under the Fair Credit Reporting Act, specifically Section 605B, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving a valid Identity Theft Report. That requirement has not been met. Continued reporting of these accounts is inaccurate, misleading, and harmful. 

The reporting of these fraudulent accounts has caused significant damage to my credit profile and has required repeated disputes and follow-ups. I am requesting immediate blocking and permanent removal of all identity-theft-related accounts and confirmation that the information will not be reinserted.

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 2025-12-23 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: OH

Complaint narrative:
I am a victim of identity theft following a data breach that compromised my personal information. In XX/XX/year>, I discovered multiple credit accounts and tradelines on my consumer credit reports that I did not open, authorize, or benefit from. These accounts were created and used without my knowledge or consent. 

Upon discovery, I immediately took action by filing official Identity Theft Reports with the Federal Trade Commission, monitoring my credit, and disputing the fraudulent accounts with the credit reporting agencies. Despite providing documentation showing that these accounts resulted from identity theft, the negative items continue to be reported and have not been properly blocked or removed.

Under the Fair Credit Reporting Act, specifically Section 605B, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving a valid Identity Theft Report. That requirement has not been met. Continued reporting of these accounts is inaccurate, misleading, and harmful. 

The reporting of these fraudulent accounts has caused significant damage to my credit profile and has required repeated disputes and follow-ups. I am requesting immediate blocking and permanent removal of all identity-theft-related accounts and confirmation that the information will not be reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Greeting Team, LLC DBA Customer Care Global
State: CA

Complaint narrative:
XX/XX/year>, XXXX - XXXX Customer Care Global refused to send me US Postal Mail , & said they will send email & texts messages after I said I wanted postal correspondences. I called back to verify & spoke with a supervisor XXXX, & she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am disputing the following items on my TransUnion credit report. Below is a summary of the charged-off accounts, inquiries, and late payments in question : Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXXXXXX XXXX, Account Number : 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 2025-12-23 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I utilized an Amex Offer for XXXX. The offer specified that I needed to book a XXXX stay through a specific link, XXXX/amex, in order to receive a {$70.00} statement credit in exchange. I did exactly this, but no credit was posted. I contacted American Express support to have them correct this issue and they told me the link was not used, and the charge was therefore ineligible. I did use this link, and I checked it multiple times to ensure it was working properly. I do not know what error occurred, but it is clearly on American Express 's end. Even after getting to a supervisor, they continued to refuse to correct their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ Company Name ] [ Date ] XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX AUTO XX/XX/year> XXXX XXXX XX/XX/year> COAF XX/XX/year>XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit report. Please review the information below and remove any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$740.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2000.00} Inquiries : COAF, XX/XX/XXXX XXXX & XXXX, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX, XX/XX/XXXX Late Payment : 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 2025-12-23 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-23 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report : XXXX XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Related to the following companies and corresponding complaint id : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNIONXXXX XXXXXXXX Issue : Incorrect credit reporting during an active dispute / Improper delinquency reporting Company : XXXX XXXX XXXX XXXX 

Complaint Narrative : I am submitting this update to formally document that XXXX XXXX XXXX continues to report my account as delinquent ( currently 108 days past due ) despite the fact that the account is actively under dispute with the credit bureaus and with your office. 

This account is currently under investigation, and there has been no final resolution, validation, or determination provided by XXXX XXXX. Despite this, XXXX continues to report escalating delinquency, placing my account at risk of charge-off, which would cause irreversible and unjust harm to my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to accurately report the status of disputed accounts and clearly mark accounts as in dispute while investigations are ongoing. 

XXXX XXXX continued reporting of delinquency without properly reflecting the disputed status is misleading, inaccurate, and harmful. 

I have formally disputed this account with the credit bureaus, submitted documentation to XXXX XXXX, filed complaints with the Consumer Financial Protection Bureau and the Massachusetts Attorney General, and provided evidence that the services paid for were not fully delivered. 

Despite these actions, XXXX XXXX has not paused adverse reporting and has provided no resolution timeline. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau require XXXX XXXX XXXX to immediately cease adverse credit reporting while the dispute is under investigation, correct the account status to accurately reflect that it is under dispute, prevent charge-off or further delinquency escalation until the dispute is resolved, and provide a written explanation and evidence supporting any continued reporting. 

Respectfully, 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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I disputed a charge for {$20.00} merchandise returned to Amazon. Amazon support confirmed in writing ( chat screenshots ) that the return was successful and that the charge/refund issue was an error ( and told me to ignore Amazons automated email claiming it was not returned ). 

Synchrony declined the dispute despite documentation. I provided : ( 1 ) Amazon chat screenshots confirming the return/error, and ( 2 ) XXXX return receipt, and ( 3 ) photo of item on XXXX counter as I was returning it. 

I am requesting that Synchrony : 1. Correct the billing error by posting the credit/reversing the charge, 2. Remove any interest/fees caused by this billing error, and 3. Confirm the account is not ( and will not be ) reported negatively for the disputed amount while it is being investigated.

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