vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against XXXX XXXX XXXX  regarding their unlawful refusal to honor federal identity theft protections in connection with fraudulent account/case number XXXX. XXXX XXXX has engaged in willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) by refusing to block fraudulent information after receiving a valid FTC Identity Theft Affidavit, a full police report, and written notice of identity theft. 
I submitted an FTC Identity Theft Affidavit and a police report in accordance with 15 U.S.C. 1681c-2 ( a ). Under this statute, once a consumer provides proper documentation of identity theft, the furnisher is required to block and cease reporting the fraudulent account. Instead, XXXX XXXX issued a false determination claiming that activity indicates I opened and interacted with the account, yet XXXX XXXX provided no evidentiary material, no application file, no IP logs, no signature, no device data, and no supporting documentation to justify such a conclusion. Their determination appears arbitrary, unsupported, and constructed solely to continue collection attempts on a debt that I did not authorize and did not create.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows or should know is inaccurate. After being provided with formal identity theft documentation, XXXX XXXX was required to stop furnishing this fraudulent data to the credit bureaus. Their refusal to do so constitutes a willful violation under 15 U.S.C. 1681n. 
XXXX XXXX continued attempts to collect this fraudulent balance of approximately {$7100.00}, after receiving documented evidence of identity theft, violate 15 U.S.C. 1692e because they are falsely representing a fraudulent debt as valid and attempting collection of an account created through criminal identity theft activity.

I request immediate CFPB enforcement intervention, including requiring XXXX  XXXX to : ( XXXX ) Permanently block, delete, and remove the fraudulent account ; ( 2 ) Provide all supporting documentation they allegedly relied upon to claim I am responsible ; ( 3 ) Cease all reporting and collection efforts ; and ( 4 ) Provide written confirmation of compliance. 
XXXX XXXX has failed to fulfill its federal obligations, willfully ignored the identity theft affidavit and police report, and continues to damage my credit profile through unlawful reporting. I request full investigation and enforcement action. 
Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against XXXX XXXX XXXX  regarding their unlawful refusal to honor federal identity theft protections in connection with fraudulent account/case number XXXX. XXXX XXXX has engaged in willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) by refusing to block fraudulent information after receiving a valid FTC Identity Theft Affidavit, a full police report, and written notice of identity theft. 
I submitted an FTC Identity Theft Affidavit and a police report in accordance with 15 U.S.C. 1681c-2 ( a ). Under this statute, once a consumer provides proper documentation of identity theft, the furnisher is required to block and cease reporting the fraudulent account. Instead, XXXX XXXX issued a false determination claiming that activity indicates I opened and interacted with the account, yet XXXX XXXX provided no evidentiary material, no application file, no IP logs, no signature, no device data, and no supporting documentation to justify such a conclusion. Their determination appears arbitrary, unsupported, and constructed solely to continue collection attempts on a debt that I did not authorize and did not create.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows or should know is inaccurate. After being provided with formal identity theft documentation, XXXX XXXX was required to stop furnishing this fraudulent data to the credit bureaus. Their refusal to do so constitutes a willful violation under 15 U.S.C. 1681n. 
XXXX XXXX continued attempts to collect this fraudulent balance of approximately {$7100.00}, after receiving documented evidence of identity theft, violate 15 U.S.C. 1692e because they are falsely representing a fraudulent debt as valid and attempting collection of an account created through criminal identity theft activity.

I request immediate CFPB enforcement intervention, including requiring XXXX  XXXX to : ( XXXX ) Permanently block, delete, and remove the fraudulent account ; ( 2 ) Provide all supporting documentation they allegedly relied upon to claim I am responsible ; ( 3 ) Cease all reporting and collection efforts ; and ( 4 ) Provide written confirmation of compliance. 
XXXX XXXX has failed to fulfill its federal obligations, willfully ignored the identity theft affidavit and police report, and continues to damage my credit profile through unlawful reporting. I request full investigation and enforcement action. 
Signed, 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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Synchronic Bank Attn : General Correspondence XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) To Whom It May Concern, I am writing to request a copy of IRS Form 1099-C for the account referenced below : Original Account holder name : XXXX XXXX To ensure my tax records are accurate and up to date, I need confirmation of any cancellation of debt that may have occurred on this account. As required by IRS regulations, creditors must issue a 1099-C when a debt is canceled, forgiven, or discharged. I am requesting that you provide me with a copy of this form if it has already been issued, or notify of its status.

Please send the requested documentation to the mailing address lifted above. If additional information is needed, you may contact me via email at XXXX. 
Thank you for 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 explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
They are saying that we did not pay for XX/XX/year> payments and we have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: MS

Complaint narrative:
XX/XX/year> Experian / XXXX  XXXX TransUnion General Dispute Submission RE : Formal Dispute of Inaccurate Charge-Off Reporting XXXX  XXXX XXXX  ( {$420.00} ) To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the charge-off reported by XXXX  XXXX XXXX. This account contains multiple violations under the Fair Credit Reporting Act ( FCRA ) and federal IRS reporting standards related to charge-offs. 
1. Missing IRS Form 1099-C Inconsistency in Cancellation Reporting I have never received a 1099-C for this account. When a debt is canceled or otherwise considered uncollectible, creditors are required under IRS regulations to issue a 1099-C if the forgiven amount meets reporting thresholds. The absence of this form raises questions about whether the reported charge-off amount is accurate, legally valid, or properly accounted for. If the debt was internally canceled, it should not continue to be reported as collectible or owed.

2. Inability to Verify the Charge-Off ( FCRA 611 ) I request full verification of all accounting related to the charge-off, including : Full account ledger showing all transactions leading to charge-off Documentation proving the accuracy of the charge-off balance Proof that the debt remains legally owed All billing statements and payment history Records of assignment, sale, or cancellation If the creditor can not provide these documents, Experian/XXXX/TransUnion must delete this account under FCRA 611 ( a ) ( 5 ).

3. Violation of FCRA 607 ( b ) Accuracy & Completeness Any reporting that is inconsistent, unverifiable, or incomplete violates the FCRA requirement that all information furnished must be accurate and not misleading. A charge-off without proper documentation or IRS compliance is unverifiable and must be removed.

DEMAND : I request that this account be deleted if the furnisher can not supply full documentation. Failure to verify requires deletion under FCRA 611 ( a ) ( 5 ).

Please provide written confirmation of the results of the reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am formally disputing the accuracy and ownership of the account listed below. Due to ongoing data breaches and file integrity issues affecting major credit bureaus, this item may be the result of a file mismatch, mixed consumer file, or compromised personal information. 
Account Name XXXX XXXX XXXX XXXX XXXXA Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: OH

Complaint narrative:
National Recovery Agency and XXXX XXXX XXXX XXXX XXXX  continued to report adverse factors on credit files. Failed to comply with Fair Credit Reporting Act ( FCRA ). It is found that the statue of limitations has expired on this issue. National Recovery Agency and XXXX XXXX failed to prepare a validation debt letter. XXXX XXXX. Is in violation 15 U.S Code $ 1692g- validation of debt Collection Letter of XX/XX/XXXX, XXXXsubmitted by U.S Certified Mail on XX/XX/year>. Credit Bureaus continues to state that information NTL Recovery Agency had verified this information had been verified as accurate.NATIONAL RECOVERY AGENCY and XXXX XXXX are bound by Fair Credit Reporting Act ( FCRA ) and the Fair Debit Collection Practice Act ( FDCPA ) to respond within ( 30 ) days according to FDCPA guidelines.It is found that the statue of limitations has expired on this issue. Reporting these adverse factors had resulted in me being unable to achieve financial goals and objectives. This issue has gone on for over ( 4 ) years. I had requested the Credit Bureaus to remove this account from credit files, all to no avail. I find their non actions totally absurd. The State Attorney General Office of Ohio stated that National Recovery Agency has failed to respond. I have contacted my Attorney to file a law suite against the Credir Bureaus, XXXX XXXX and National Recovery Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the accuracy and validity of a collection account being reported by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of The XXXX for the amount of {$3900.00}. The original balance was reported as {$3200.00} when the account was opened on XX/XX/year>, yet the collector increased the balance to {$3900.00} without providing any legally required explanation, accounting, or itemized documentation. 

At the time I vacated the property, I was not provided any final account statement, itemized charges, move-in inspection report, move-out inspection report, or notice of any outstanding balance. I did not receive any communication from The XXXX regarding alleged damages, unpaid rent, fees, or charges before this debt was assigned to a third-party collector. 

To date, neither the original creditor nor the collection agency has produced : A signed lease agreement A full account ledger showing all debits, credits, and adjustments A breakdown explaining how the alleged balance increased from {$3200.00} to {$3900.00} Copies of move-in/move-out inspection documentation Notice of outstanding balance required prior to collections The Date of First Delinquency ( DOFD ) Any billing or communication records Because the reporting lacks required supporting documents and contains unexplained monetary increases, the information being furnished to TransUnion appears incomplete, inaccurate, and unverified. This constitutes improper furnishing under FCRA 623, as well as a failure to substantiate a debt under FDCPA 809 when validation is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: PA

Complaint narrative:
I am filing this report because a collection account appearing on my credit report from XXXX XXXX XXXX XXXXXXXX XXXX and United Credit & Collections is inaccurate, unauthorized, and can not be verified. 
I did not open, authorize, or sign for any account with this company. The account is being reported incorrectly as a Joint Account and an Open Account, which is not consistent with a legitimate collection account. The collection agency has not provided any documentation to validate this debt, despite requests, and continues to update the account. 
Key issues : I did not authorize or open this account. 
The account is inaccurately reported as a joint, open account. 
The furnisher has failed to provide validation as required under 15 USC 1692g.

Reporting remains inconsistent, incomplete, and unverifiable.

I believe this account may be fraudulent, created without my permission, or reported in error.

I am requesting that this account be fully investigated and removed from all consumer reporting.

Company response to consumer: Closed with explanation