vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unverified Late Payments Request for Immediate Deletion To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding late payment entries currently reported on my credit file. These entries are reported by the following furnishers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy and verification of these late payment entries and requesting their immediate removal. Under the FCRA, you are required to investigate my dispute and remove any information that can not be verified with complete accuracy. 
Legal Basis for Dispute FCRA 1681i ( a ) requires a reasonable reinvestigation of disputed information within 30 days. If the information can not be verified, it must be deleted from the consumer 's credit file. 
FCRA 1681s-2 ( b ) requires furnishers of information to conduct a proper investigation when a consumer disputes information. 
15 U.S.C. 1666b under the Truth in Lending Act provides that payments received must be credited promptly and accurately, and billing errors must be corrected. Improperly posted payments or delayed crediting may result in false late reporting, which violates federal law. 
I am requesting the following actions : Immediate deletion of the late payment records from the above accounts. 
Written verification and documentation of the exact dates and amounts alleged to be late. 
Confirmation that any unverifiable or inaccurately reported information has been permanently removed from my credit file. 
Failure to comply with your obligations under the FCRA and other applicable consumer protection laws may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office, in addition to legal action to seek damages. 
Please consider this letter as my good faith effort to resolve this matter. I expect your written confirmation of your investigation results within 30 days, per federal law. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I've had a Synchrony Sam 's Club Credit account for several years. I apparently had my second account lifetime failed payment ( prior to a larger payment posting ). This triggered an automatic closure of my credit account. I had no indicator or counter that if this happened again, I would be in violation of some term they have that allows them to do this. 

On XX/XX/XXXX ( approx ), a payment I submitted was declined by my bank. 
On XX/XX/XXXX ( approx ), a payment I submitted that covered the missed payment posted On XX/XX/XXXX, I receive a notification in the mail that my credit account was closed due to missed payments. 

I think this is extremely unfair to adversely affect someone's credit like this. I've never missed a minimum payment.

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 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On or around XX/XX/XXXX an account was opened with XXXX XXXXBarclays Bank without my knowledge or consent. I became aware of this account via notifications from XXXX XXXX and XXXX. On XX/XX/XXXX placed a freeze on my credit and notified Barclays that I did not open this account and reported it as fraud. The account number is XXXX. 
After multiple attempts to resolve the issue with Barclays over the phone, I sent a letter on XX/XX/XXXX, informing them that the account was not opened by me. I requested copies of all records pertaining to the opening of this account. I included a copy of my DL and the FTC Identity Theft Fraud report. On XX/XX/XXXX, a second letter was mailed again requesting that they remove this account from my credit report. 
The last letter was mailed on XX/XX/XXXX with a copy of my DL and SSC as proof of identity. As of today, I have not received any of the requested documents. My credit is being impacted as this account is now showing as 60+ days late AND is accruing interest and fees.

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 2025-05-28 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: CA

Complaint narrative:
I have accounts reporting on my credit report that are not mine, I have requested multiple times to be provided irrefutable proof and documentation showing these accounts are mine and nothing has been provided. I am a victim of identity theft and no one is helping me. The accounts reporting are inacurate, misleading and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I have accounts reporting on my credit report that are not mine, I have requested multiple times to be provided irrefutable proof and documentation showing these accounts are mine and nothing has been provided. I am a victim of identity theft and no one is helping me. The accounts reporting are inacurate, misleading and not mine.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-28 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: NJ

Complaint narrative:
A

s a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX # XXXXXXXX XXXX XXXX Opened : XXXX/2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Eight days ago, my mother created a XXXX  account so I could send her money. I transferred {$2000.00} from my XXXX XXXX account to my XXXX  account, then sent the money to her. She was unable to transfer the funds to her bank, so she sent half of the money back to me. Shortly after, her account was suspended. When I attempted to transfer the returned funds back to my own bank account, my account was also suspended. 

XXXX  sent me an automated email requesting a copy of my government-issued ID and stated I would receive a response within 7 business days. I submitted the requested documentation immediately. It has now been 7 business days, and I have not received any update. When I reached out to XXXX support team via chat, they said they could not provide any information and that I would be contacted in another XXXX business days. 

At this point, both accounts are suspended, and we are unable to access the funds. I am seeking assistance in having this matter resolved promptly and the funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATION I spoke to a manager this morning at the CFPB and was advised to continue to file a complaint on the portal for documentation purposes and for the record. 

I sent a certified letter to XXXX XXXX, filed a complaint with California attorney generals office as well as the XXXX XXXX XXXX. 

Regional Finance if you continue to mark this complaint as a fake duplicate when you have done NOTHING to resolve your false reporting, I will request via the bankruptcy court that you be sanctioned for failure to comply with bankruptcy laws under discharged debt. 

CFPB I'm requesting that you hold this creditor accountable for multiple violations of the FCRA Notice of intent to sue : Issue was not resolved. Please note that this reporting is willful negligence, malicious & reckless. As of today XX/XX/year> I have checked my credit report with all 3 bureaus and You are currently violating FCRA, FDCPA and the California Consumer Reporting Agencies Act ( CCRAA ) I reserve my right to sue in my jurisdiction. In my last complaint with Regional Finance regarding account number XXXX I asked for an account deletion due to the multiple violations, as well as the violations being reported across all three bureaus. Simply updating an account without deletion is not feasible due to the damage already being done. Under the FCRA when you have violated a consumer rights, the account must be deleted, not changed for corrections. 

I am currently on FMLA due to the XXXX, stress and time I've had to take to deal with information being falsely reported on my credit report. My score went down tremendously and I've suffered financial hardship. Regional Fianance have a duty to report information with 100 % accuracy on a consumer credit report. This was not done. The Fair Credit Reporting Act specifically 15 USC 1681s 2B requires compensation for violations and outlines a creditors duty to verify accuracy before reporting to credit bureaus. The Fair Debt Collection Practices Act ( FDCPA ) allows consumers to pursue compensation even after a debt collector has corrected a violation. This is not a request for another dispute to delete the account due to the multiple violations that time has passed. This is demand for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
This debt does not belong to me nor have I ever initiated a debt with said company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I have accounts reporting on my credit report that are not mine, I have requested multiple times to be provided irrefutable proof and documentation showing these accounts are mine and nothing has been provided. I am a victim of identity theft and no one is helping me. The accounts reporting are inacurate, misleading and not mine.

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This account is fruadlent under far section 605b I am a victim of identity theft I did not open my account please permanently remove it from my credit score 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 2025-05-28 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER XXXX  or used the following account numbers : Bank Name : XXXX XXXX XXXX  Routing # XXXX Account # XXXX Open XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX  Bank Routing # XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Routing # XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX Bank Routing # XXXX Account # : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
he Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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