vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Inconsistent Reporting XXXX XXXX # XXXX / XXXX XXXX XXXX # XXXX I am submitting this letter to formally dispute the reporting of XXXX accounts on my credit reports associated with XXXX XXXX. The information reflected in both my Equifax and TransUnion credit files contains inaccuracies, conflicting data, and missing information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681c. 
XXXX. XXXX XXXX Account # XXXX ( Equifax Report ) Report Date : XX/XX/XXXX Page XXXX of XXXX Issues : Reports a XXXX delinquency in XX/XX/XXXX and a XXXX delinquency in XX/XX/XXXX No first date of delinquency is listed No purge/removal date is listed Information is not aligned with TransUnion report XXXX. XXXX XXXX XXXX Account # XXXX ( TransUnion Report ) Report Date : XX/XX/XXXX Page XXXX of XXXX Issues : Reports maximum delinquency of 30 days in XX/XX/XXXX and XX/XX/XXXX for {$150.00} Fails to match Equifax 's payment history No consistent closure or charge-off date is reported Dispute Basis : According to the FCRA : All items on a credit report must be complete, accurate, and verifiable ( 1681i ) Negative accounts such as delinquencies must be removed after 7 years from the date of first delinquency ( 1681c ) Failure to list this date, or report consistent payment histories, constitutes noncompliance Requested Action : Conduct a formal reinvestigation of both accounts with the furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide full documentation used to verify the reported delinquencies, including the first date of delinquency If unverifiable or inconsistent, both accounts should be deleted from my credit file Clearly update or include the scheduled removal dates as required by law Please respond with written confirmation of the results of your reinvestigation within 30 days, in accordance with the FCRA. I appreciate your prompt attention to this matter. 
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 2025-07-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies & # 39 ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am filing a complaint against Credence Resource Management regarding a collection account for XXXX XXXX ( Account # XXXX XXXXXXXX ) being reported inaccurately on my credit file. 
This account shows a past-due balance but has no verified documentation or signed agreement. It violates FCRA 1681e ( b ) and FDCPA 1692g ( b ) by reporting unverifiable information. Despite a formal written dispute, no resolution has been made.

I respectfully request that this item be deleted.

Attached : 3 Dispute letters sent to all the 3 credit bureaus and my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested a debt validation for the alleged debt numerous times from XXXX XXXX XXXX concerning this alleged debt. I request for a chain of assignment of the securitization debt and proof of ownership. I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA and the FCRA. 

XXXX XXXX XXXX # XXXX ( XXXX  and Experian ) XXXX XXXX # XXXX ( XXXX  and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I just realized there are some of the hard inquiries in my credit report, which I didnt apply the credit card application. From that I believe my information might be used by someone without authorization, and I believe it would be a 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl ] LVNV FUNDING LLC ACCOUNT OPEN ON XXXX XXXXXXXX  {$650.00} LVNV FUNDING LLC ACCOUNT OPEN ON XXXX XXXX  {$920.00} COLLECTION BUREAU OF ACCOUNT OPEN ON XXXXXXXX XXXX {$4100.00} XXXX XXXX Subject : Request for Debt Validation Account # open XXXX XXXX To Whom It May Concern, I am writing in response to your notice dated XXXX XXXX  [ Date of Letter, if available ] XXXX XXXX regarding a debt you claim I owe. Under XXXX XXXX  15 U.S.C. 1692g XXXX XXXX  of the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) * *, I formally request that you provide XXXX XXXX  validation of this debt * *. 

Please provide the following : 1XXXX XXXX XXXX  Proof that I am legally responsible XXXX XXXX  for this debt ( e.g., a signed contract or agreement ).

2. XXXX XXXX  The original creditors name and address XXXX XXXX, along with the * * original account number XXXX XXXX.

3. XXXX XXXX  A detailed breakdown XXXX XXXX  of the debt amount, including : - Principal balance - Interest/fees added - Payments/credits applied 4. XXXX XXXX Verification that XXXXXXXX XXXX XXXXXXXX is legally authorized XXXX XXXX  to collect this debt. 
5. XXXX XXXX Proof the debt is within the statute of limitations XXXX XXXX for collection in [ Your State ]. 

XXXX XXXX Until proper validation is provided : XXXX XXXX XXXX XXXX XXXX XXXX dispute XXXX XXXX this debt. 
- You must XXXX XXXX  cease all collection efforts XXXX XXXX, including calls and credit reporting. 
- Do XXXX XXXX not XXXX XXXX  report this debt to any credit bureau until validation is furnished. 

If you can not validate this debtXXXX XXXX XXXX  remove it from my credit report immediately XXXX XXXX and close this matter. 

XXXX XXXX This is not a refusal to pay, but a lawful request for validation under federal law. XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Optional : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX... I have another case already involving the same cards but this is something that happened that you NEED to be aware of and NEED to put a stop to it. I typed " amex gift card '' into XXXX search bar and like the dumbest person in the world clicked what looked to be a legit amex website it was the first link available under my search. 
Put my info in 3 or 4 times and it kept saying my gift card wasn't valid... so instead of being concerned with anything else i freaked out thinking rite aid didn't activate my gift card and drove straight there. 


Long story short. The next day that gift card was drained and I called the company that's linked to the transactions and they said " that's not us '' nothing else. 


I don't know what shift now is but they say they have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, Subject : Dispute of Incomplete and Inconsistent Bankruptcy Reporting XXXX XXXX Case # XXXX I am writing to formally dispute the incomplete and inconsistent reporting of my XXXX XXXX bankruptcy, Case # XXXX, as reflected in my credit reports from Equifax, Experian, and XXXXXXXX. This information is not being uniformly reported, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( a ) ( 1 ), which governs how long a bankruptcy may appear on a credit report. 
Reported Details : Equifax Credit Report ( XX/XX/XXXX Page XXXX of XXXX ) : Does not report how long the bankruptcy will remain on record. 
Experian Credit Report ( XX/XX/XXXX XXXX XXXX of XXXX ) : States item is scheduled to continue on record until XX/XX/XXXX. 
XXXX Credit Report ( XX/XX/XXXX XXXX XXXX of XXXX ) : Estimates item will be removed in XX/XX/XXXX. 
Dispute Summary : The reporting by Equifax is incomplete, as it omits the purge date entirely, and Experian and XXXX provide conflicting end dates. This inconsistency may lead to confusion or misinterpretation by potential creditors, which can unjustly impact my creditworthiness. 
Per FCRA guidelinesXXXX XXXX XXXX bankruptcies may be reported for up to 7 years from the date of filing. Consistent and transparent reporting of expiration dates is required to ensure fairness and compliance.

Action Requested : Update or correct Equifaxs reporting to reflect the
scheduled removal date Reinvestigate and standardize the removal dates across all three bureaus to comply with 1681c Provide a written confirmation of the outcome within 30 days of receipt of this letter Please treat this as a formal request under the Fair Credit Reporting Act for correction and reinvestigation. Failure to properly address this issue may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Loan applications are being denied due to inaccuracies in my credit history. Although I have met all my financial obligations, these errors are unfairly damaging my creditworthiness and preventing me from accessing credit when needed. This situation is frustrating and unjust.

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 2025-07-22 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: OH

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was looking at my credit report and I discovered a fraudulent account is my account. As of XXXX XXXX I sent the letter XX/XX/2025 to dispute and no answer.

Under 15usc 1681 ( a ) ( 1 ) ( a )

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 2025-07-23 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: NY

Complaint narrative:
Attached find a copy of my dispute letter, identity theft report, id, social and proof of address to support my claim of a fraudulent account being inserted onto my credit report that needs to be removed IMMEDIATELY.

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 2025-07-23 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Hello, I have been having issues with credence Credit Management for the last 4 years. I check my credit report and see they put a collection for a debt I do not owe to XXXX XXXX XXXX. I dispute the account. The Credit Bureau ( Experian ) takes it off and it goes away. Months pass then all of a sudden my credit is dinged and this time it dropped XXXX points in one day. So I dispute again and it is taken off. This is the XXXX time it has happened and it is harassment along with the annoying and persistent phone calls I get at all hours of the day. This company should not be allowed to continually attack my credit without any repercussions to them. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am submitting this formal complaint against SYNCB/PPC ( Synchrony Bank/PayPal Credit ) XXXXegarding the account ending in XXXX, which is being reported negatively on my consumer credit file. 

I have previously disputed this account due to inaccurate reporting and lack of proper validation, and I have not received sufficient documentation proving that the alleged debt is mine. To date, Synchrony Bank has failed to provide a signed contract, full account history, or any legal proof of ownership or responsibility, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This continued reporting is harmful to my credit profile and my ability to obtain housing, auto loans, and other credit-related necessities. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this issue.

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