vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I am submitting this complaint against Experian Information Services for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with identity theft affecting my credit file. Despite providing Experian with an FTC Identity Theft Report, supporting documentation, and a clear dispute of fraudulent accountsincluding a XXXX  XXXX account fraudulently opened in my nameExperian has blatantly failed to meet its legal obligations. Specifically, they refused to conduct a reasonable investigation under 1681i ( a ) ( XXXX ), failed to provide investigation results within XXXX  days under 1681i ( a ) ( XXXX ), and failed to block fraudulent information as required by 1681c-2. These failures not only violate federal law but also cause ongoing and severe harm to my credit, reputation, and financial standing. 

Experians disregard for my federally protected rights demonstrates bad faith and negligence. Courts have consistently held credit bureaus liable in similar cases ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ). XXXX refusal to act places them in the same category of misconduct that has resulted in substantial damages against other agencies. 

I am demanding that the CFPB order Experian to immediately : ( XXXX ) conduct a thorough and lawful reinvestigation ; ( XXXX ) provide me with a complete written explanation of their findings ; and ( XXXX ) permanently delete and block all fraudulent information, including the XXXX XXXX account in question, from my credit report. Experians willful noncompliance must not go unchecked. If not corrected, I reserve the right to pursue statutory damages, punitive damages, and attorneys fees under 1681n and 1681o.

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 2025-08-28 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am submitting this follow-up complaint because inaccurate and misleading information continues to remain on my credit file despite my previous dispute. 
According to IRS regulations, when a creditor cancels a debt of {$600.00} or more, they are required to issue Form XXXX to both the consumer and the IRS. No such documentation has been provided to me for the accounts in question, which indicates that the debts have not been formally canceled. Nevertheless, the accounts continue to be reported as charge-offs, without evidence of active collection efforts or proper cancellation. This practice is misleading, incomplete, and damaging to my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX NA XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am submitting this follow-up complaint because inaccurate and misleading information continues to remain on my credit file despite my previous dispute. 
According to IRS regulations, when a creditor cancels a debt of {$600.00} or more, they are required to issue Form XXXX to both the consumer and the IRS. No such documentation has been provided to me for the accounts in question, which indicates that the debts have not been formally canceled. Nevertheless, the accounts continue to be reported as charge-offs, without evidence of active collection efforts or proper cancellation. This practice is misleading, incomplete, and damaging to my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX NA XXXX XX/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 explanation
Consumer complaint received 2025-08-28 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: MN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This complaint involves Synchrony Bank ( financing provider ) and XXXX XXXX ( XXXXXXXX XXXX ), where I purchased and financed XXXXXXXX XXXX that were defective from the XXXX  day. 

On XX/XX/year>, I financed a set of XXXX XXXX XXXX XXXX tires from XXXX XXXX  ( XXXXXXXX XXXX XXXX  ) with XXXX XXXX. From the XXXX  day, I experienced XXXX loss. Despite multiple visits, XXXX XXXX repeatedly misdiagnosed the problem by rebalancing, resetting XXXX, and replacing all XXXX valve stems. The leak was never fixed. Another shop later found a pin-sized tread hole and patched it immediately at no cost, proving XXXX XXXX failed to resolve the defect. 

From XX/XX/XXXX through XX/XX/year>, I was forced to refill my tires XXXX times, spending {$180.00} out of pocket at XXXX XXXX air machines. These records confirm constant XXXX loss, causing wasted time, financial harm, and safety risks. XXXX underinflated tires also affected my XXXX XXXX XXXX system, leading to drivetrain binding, reduced XXXX, and uneven tread wear. 

XXXX XXXX records are inconsistent : a XX/XX/XXXX invoice shows service before the purchase date ( XXXXXXXX XXXX  XXXX miles ), the XX/XX/XXXX invoice notes all XXXX new, all but XXXX goes to used raising doubts if all tires were replaced, and other invoices list phantom charges.

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 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to file a formal complaint against EdFinancial Services regarding my student loan account. Despite repeated inquiries on [ dates ], XXXX has incorrectly reported my account to credit bureaus and failed to correct or remove these entries. These actions appear to violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692j ( a ) ). Additionally, XXXX misrepresentations about my payment status constitute deceptive practices under the Consumer Financial Protection Act ( XXXX ), for which the CFPB has previously sanctioned XXXX. 

I request that the CFPB direct XXXX to permanently remove the inaccurate accounts from my credit report, correct any misreported information, and confirm in writing once this is completed. If I reside in XXXX XXXX  XXXX, this conduct may also violate the XXXX  Student Loan Borrower Bill of Rights ( XXXX  ), which allows for remedies including damages and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I sent a debt verification letter : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Validation of Debt To Whom It May Concern, I am writing to request validation of the debt referenced in your communication dated XX/XX/XXXX, regarding an alleged account under my name. Please be advised that I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I ask that you provide me with the following information : XXXX. The amount of the alleged debt, including a detailed breakdown if applicable. XXXX. The name of the original creditor and any account numbers associated with the debt. XXXX. A copy of the original contract or agreement under which the debt arose, or any documentation proving my liability. XXXX. An itemized statement of the account showing all charges, payments, and interest accrued, if applicable. XXXX. Verification that you are authorized to collect this debt in my state, including your collection license number and the issuing agency. XXXX. Proof that the debt is within the statute of limitations for collection in my state ( if applicable ). Under the FDCPA, until you provide the requested validation, you are prohibited from continuing to attempt to collect the debt or report it to credit bureaus. Additionally, please refrain from contacting me by phone. I request that all communications be made in writing to the address listed above. Please provide this documentation within 30 days from the date of this letter. If you are unable to verify this debt, you are required by law to cease all collection activities, including any reports to credit bureaus. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX The company XXXX XXXX XXXX responded and submitted a document of an alleged loan agreement between myself and a loan company. Within the documents there are multiple errors that do not align and match with my personal information such as incorrect date of birth. For reference check page XXXX and page XXXX of submitted documents from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a water filtration system for my home through XXXX XXXX XXXX Financed through service finance company. Based payment XXXX dollars a month for XXXX years, I pay XXXX a month and have never missed a payment, statements prove this until XXXX of this year, instead of going down after my payment my over all balance increased and now reflects that I am past due XXXX dollars. I called to rectify this for XXXX months trying to give them s as chance they refused to even acknowledge their theft. I got the system installed on XX/XX/year>, made the first payment on XX/XX/year>. Never missed a payment now they say that I am being XXXX dollars!

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
discovered XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX & XXXX ) on XXXX, while retrieving confirmation of resolution for a prior XXXX XXXX XXXX vacated in XXXX from my former XXXX  residency. I had never been served in the current matter. 

That same day, I contacted the court ( which confirmed no service ) and sent certifiedmail objections and a venuetransfer demand to plaintiffs counsel, XXXX ( XXXX, XXXX, XXXX, XXXX ), referencing the courts own statement that only the plaintiff can request a venue change. 

On XXXX, XXXXXXXX XXXX updated the court record to my correct XXXX, XXXX XXXX XXXX my XXXX XXXX XXXX since XXXX. Despite that, they continue to litigate in XXXX  XXXX. 

On XXXX, their collection department emailed requesting additional documentation for my creditdispute. This is a stall tactic that obstructs my FCRA rights by delaying dispute resolution while they press for default judgment in a court they know lacks jurisdiction. 

Supporting documentation ( available on request ) includes : Court docket screenshot showing address update on XX/XX/year> Certifiedmail receipts to plaintiffs counsel XXXX correspondence confirming only plaintiff can request venue change XX/XX/year> additional documentation email from XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XX/XX/year> an identity theft alert was sent to me stating I had a new collection account so I logged in and saw that this has never been mine and there is no such company name. Also filed a XXXX  dispute complaint

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 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX sold my debt to this company which is wrong cause I never owed or had car insurance during that time with them, also they didnt even contact me regarding any outstanding debt because I never owed any, they never communicated this to me just pops up wrongly on my credit and people calling me telling me the wrong information thats false and inaccurate

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 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to request the removal of a collection account from my credit report. The account in question is with Jefferson Capital Systems and is listed under the account number XXXXXXXX XXXX XXXX XXXX XXXX I have either settled this account or believe it to be inaccurate, and I kindly request that it be removed from my credit report to reflect my current credit status. 

Please confirm the receipt of this request and let me know if you require any additional information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Application for a HELOC was completed with Loan Depot XX/XX/year>. I declined to continue with the loan application process as the requested a XXXX XXXX XXXXXXXX  for my father. I turned down the loan offer. They sent documentation stating the loan was declined on their part due to lack of credit length. This is inaccurate statement when they should have stated the loan was declined by consumer. Concern is the inaccurate denial having a negative impact on credit score and ability to secure future lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: TX

Complaint narrative:
I applied for a job with the company jobbot consulting submitted a background checkr background company information came back inaccurate and not verified validated or completed. Violating FCRA usc 1681. They have information on my consumer report that is not mines and possibly due to identity theft. I told them of this and disputed. Even though informed they refused to block the information within the XXXX  days the law requires. Now its been pending almost XXXX  days and still no resolution and its causing me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-28 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
account reporting charge off every month, bankruptcy, late payments I do not recognise, a lot of address in my file they won't remove phone numbers that I don't recognise fail to comply with request

Company response to consumer: Closed with explanation