vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute two charge-off accounts being reported on my Equifax credit file that I believe are either inaccurately recorded or no longer legally reportable under the Fair Credit Reporting Act ( FCRA ). These accounts are from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ) with a reported charge-off date of XX/XX/XXXX and balance of {$12000.00}, and XXXX XXXX XXXXXXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ), which reflects a charge-off status with a balance of {$0.00} and a date of XX/XX/XXXX. 

The XXXX charge-off is being reported with a substantial balance, and yet I have not received proper notification, statements, or collection documentation verifying the validity or accuracy of this debt. There are also discrepancies with how the date of first delinquency was calculated, which directly affects how long this account is allowed to remain on my report. The XXXX XXXX XXXXXXXX account, on the other hand, is reporting as a charge-off even though the balance is clearly listed as {$0.00}. An account with no outstanding balance should not continue to reflect derogatory status if it has been resolved, settled, or otherwise concluded. Reporting such an account as a charge-off misrepresents my credit profile and can unfairly impact my creditworthiness. 

Under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), negative items like charge-offs may not be reported more than seven years from the date of first delinquency. In addition, Equifax has a legal obligation under 15 U.S.C. 1681e ( b ) to ensure the accuracy and completeness of all information it maintains and provides. The continued reporting of these accountsespecially without sufficient verification or in cases where resolution has occurredconstitutes a violation of these consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-06-19 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: DC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-19 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 am a victim of identity theft. A fraudulent collection account was reported on my credit file by XXXX XXXXXXXX and XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX I did not open this account, have never authorized it, and have never received any funds or services from it. 

I discovered this unauthorized account on my TransUnion, Experian, and Equifax reports. 

Here are the fraudulent tradelines : XXXX XXXX ( XXXX XXXX. ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$4900.00} On : TransUnion and Experian XXXX ( XXXX XXXX. ) Account # : XXXX * * * * Date Opened : XX/XX/year> Balance : {$4900.00} On : Equifax I have already submitted a police report ( XXXX XXXX Report # XXXX ) and an FTC Identity Theft Report ( Report # XXXX ). I have also contacted the credit bureaus with my identification documents, yet this fraudulent account remains on my 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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX XXXX has filed a lawsuit. They are acting as debt collection agency. I have asked for them to provide Verification of Assignment, I dispute the amount that is claimed owed, I have requested a FULL ACCOUNTING from the original creditor. I have requested the entire payment history. I have asked for a full breakdown of the interest charges and fees. I have request Validation of said debt as required by the FDCPA. I have requested the original documents of everything including the digital certificate of signature. I have also ask for them to provided their license and the state that they are licensed in to do business as a debt collector. 

This is causing me harm, and emotion 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I paid {$240.00} to XXXX XXXX XXXX on XX/XX/year>, to resolve my XXXX XXXX credit card debt. XXXX confirmed the payment and updated the account status to resolved, and said they would submit a tradeline deletion request to the credit bureaus within XXXX  days. However, XXXX XXXX XXXX is falsely reporting themselves as the original creditor of the same debt, with a re-aged opened date of XX/XX/year>, which is inaccurate and misleading. This duplicate and false reporting has caused damage to my XXXX XXXX. I have contacted both companies and requested correction and removal of the inaccurate tradeline. I am seeking enforcement to have XXXX remove the false tradeline and correct the credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: HI

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy and is causing serious, ongoing harm. These errors must be thoroughly investigated and either corrected or permanently removed without delay.

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 2025-06-19 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:
am disputing several inaccurate, unverifiable, and possibly obsolete entries on my credit report. These include charge-offs, collections, and derogatory statuses I do not recognize or that have been inaccurately reported. 
I submitted written disputes directly to the credit bureaus and included my identification, utility bill, and highlighted reports. Despite that, the items remain on my report without proper validation or correction. 
These entries are negatively affecting my credit standing, and the bureaus are not complying with the Fair Credit Reporting Act ( FCRA ) regarding reinvestigation and removal of unverifiable data. 
I am requesting the Consumer Financial Protection Bureau assist in ensuring these inaccurate items are fully investigated and removed if they can not be verified.

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 2025-06-19 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
CFPB Complaint Mixed File : CareCredit Account Belongs to My Wife, Not Me Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX XXXX : XX/XX/year> XXXX ( last XXXX ) : XXXX Phone : XXXX Email : XXXX Company Complained About : Experian Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else Problem description : I am filing a complaint regarding Experians repeated failure to remove an inaccurate XXXX XXXX  account from my credit report. This account does not belong to me it belongs to my wife, XXXX XXXX ( XXXX ending in XXXX ), and we are separate individuals with distinct credit profiles. I told Experian it is not mine and I never agreed to be an authorized/co-owner. I also told Sync Care Credit same but they wont update m report I have submitted multiple disputes to Experian explaining this error and provided supporting documentation, including our full identities and confirmation that this is not my account. Despite this, Experian continues to report the tradeline in my name and has failed to conduct a proper reinvestigation. 

I have contacted them multiple times to make sure I am removed from her account. It reports correctly on Transunion and Experian The continued reporting of this inaccurate account is damaging my credit score, impacting my ability to obtain fair credit, and causing significant emotional distress.

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 2025-06-19 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: TX

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against the following debt buyers and credit reporting agencies for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TransUnion XXXX Equifax - Experian These companies are reporting or collecting on alleged debts without proper validation or verification. I have exercised my right to dispute these debts under 15 U.S. Code 1692g ( b ), yet the entities continue to report and/or attempt collection without supplying the legally required documentation.

Additionally, credit bureaus are in violation of : - 15 U.S. Code 1681s-2 ( b ) : Failure to properly investigate disputes - 15 U.S. Code 1681e ( b ) : Failure to maintain accurate information These violations are ongoing and have caused harm to my credit profile, financial opportunities, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
I am filing this formal complaint against the following debt buyers and credit reporting agencies for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TransUnion XXXX Equifax - Experian These companies are reporting or collecting on alleged debts without proper validation or verification. I have exercised my right to dispute these debts under 15 U.S. Code 1692g ( b ), yet the entities continue to report and/or attempt collection without supplying the legally required documentation.

Additionally, credit bureaus are in violation of : - 15 U.S. Code 1681s-2 ( b ) : Failure to properly investigate disputes - 15 U.S. Code 1681e ( b ) : Failure to maintain accurate information These violations are ongoing and have caused harm to my credit profile, financial opportunities, and emotional distress.

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 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Attempt to collect a debt not owed by me, {$700.00} No notices were ever sent to me personally prior to collection appearing on my credit report. 

I was informed that the debt is for a early move out penalty, however i have never applied or been approved to own an apartment. So it is impossible for me to have owed this debt. 

There is no contract that is providable by them to verify this debt is owed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-19 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-06-19 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: IL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-19 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: IL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

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 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