vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information being reported on my credit report concerning an account with XXXX ( Account Closed : XX/XX/year> ). According to my records, this account has been closed, but despite this, the creditor continues to withdraw payments from my bank account. The reported balance of {$1400.00} is inaccurate, and the creditor is not updating the balance properly or reflecting the payments that have been made.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to provide accurate and complete information. Continuing to report missed payments while actively withdrawing funds, and failing to update the correct balance, constitutes a violation of this law. 

I am requesting that this account be immediately removed from my credit report due to these reporting inaccuracies. Please investigate this matter, and provide written confirmation of the actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
My XXXX and I had been going through some financial struggles and got behind in my vehicle payment, which caused my vehicle to get repossessed back in XX/XX/XXXX. We reclaimed the vehicle back and set up a payment plan to get our account back on track and to get the past due balance paid off. I had called the company around XXXX or XXXX on a recorded line and asked if the account would still be reported to the credit bureau 's as late even those these payment arranges are being met, and I was told no. Unfortunately this wasn't true. I was paying {$350.00} every XXXX weeks to get my payments caught up and had stuck with this payment plan. I made a payment of {$4800.00} on XX/XX/XXXX that brought my account status to current. I've worked extremely hard to get this account current and I've abided by the plan the company set forth. I disputed the late status with all three credit bureaus and the company and nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am experiencing ongoing damage to my credit profile due to several closed accounts that continue to report monthly late payments and derogatory marks ( XXXX ) even though the accounts were closed months or years ago. 

These accounts are no longer open or active, yet they are still reporting negative payment history every single month, making it appear as though I am continuing to miss payments which is false and misleading. This is artificially extending the period of derogatory reporting and unfairly suppressing my credit score.

This appears to violate the Fair Credit Reporting Act ( FCRA ), as it is not an accurate reflection of my current financial behavior. I believe this issue may stem from the debt being transferred or sold to multiple collectors, and each transfer generates a new round of negative reporting or resets the derogatory status.

Ive attempted to resolve this directly with the credit bureaus, but these inaccurate updates continue. I am requesting that the CFPB investigate this matter and require the credit bureaus and furnishers to remove ongoing late payment notations and derogatory codes from accounts that are closed, and ensure that these accounts reflect accurate, final statuses.

This false reporting is damaging my creditworthiness and preventing me from securing financing and other essential services. Please help correct this. I would give specific accounts and amounts but its my whole report doing this. Closed accounts giving me new collections and late payments month after month for 24 months. My score is still a XXXX so XXXX without this. 

Thank you, 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am experiencing ongoing damage to my credit profile due to several closed accounts that continue to report monthly late payments and derogatory marks ( XXXX ) even though the accounts were closed months or years ago. 

These accounts are no longer open or active, yet they are still reporting negative payment history every single month, making it appear as though I am continuing to miss payments which is false and misleading. This is artificially extending the period of derogatory reporting and unfairly suppressing my credit score.

This appears to violate the Fair Credit Reporting Act ( FCRA ), as it is not an accurate reflection of my current financial behavior. I believe this issue may stem from the debt being transferred or sold to multiple collectors, and each transfer generates a new round of negative reporting or resets the derogatory status.

Ive attempted to resolve this directly with the credit bureaus, but these inaccurate updates continue. I am requesting that the CFPB investigate this matter and require the credit bureaus and furnishers to remove ongoing late payment notations and derogatory codes from accounts that are closed, and ensure that these accounts reflect accurate, final statuses.

This false reporting is damaging my creditworthiness and preventing me from securing financing and other essential services. Please help correct this. I would give specific accounts and amounts but its my whole report doing this. Closed accounts giving me new collections and late payments month after month for 24 months. My score is still a XXXX so imagine without this. 

Thank you, 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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ive had multiple transactions that I lost out on that I was scammed out of money for items and services not provided. when showing proof of these items and services not provided. was advised by cash app there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IL

Complaint narrative:
XX/XX/XXXX I called TrueAccord to get into my online account ( 11-minute call ). The agent told me to try again tomorrow and offered no real help. 
XX/XX/XXXX I emailed support asking for account access. Instead of helping, they responded by trying to set up a new payment plan, even though I already had XXXX. 
XX/XX/XXXX I tried again to reset my password. It still didnt work. 
XXXX I called three separate times asking for a password reset so I could access my account. The rep told me they were having an issue with their site. 
XX/XX/XXXX I emailed support again explaining I had already reached out, and I still couldnt get into my account. 
XX/XX/XXXX Support replied telling me to call again. I did, and the woman on the phone was rude, asked why I wanted access, told me I couldnt reset my password, and claimed they no longer had a website even though I was looking at it live. Then she hung up on me.

I called back again, and after being told I was being recorded, I said I was recording the call as well ( which Im legally allowed to do in my state ). The agent said that wasnt allowed and hung up. I called back a third time and canceled my payment plan. I told them Id only resume payments once I had access to my account. 

XX/XX/XXXX I sent multiple emails asking for a full stop to automatic payments due to being denied access to my account and documentation. This refusal to give me full access while continuing to charge me is unethical and may violate the Fair Debt Collection Practices Act. Im requesting that all payments be stopped and that this issue be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 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 a 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 if the person knows or has reasonable cause to believe that the information is 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 2025-06-13 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1- Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2- Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C . 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

XXXX Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4- Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$450.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$200.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$140.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out because Ive identified a credit inquiry on my report that is completely fraudulent. I did not authorize it, I did not apply for credit with that company, and I had absolutely nothing to do with the request. 

To be blunt : This inquiry was not made by me. 

I did not consent to it. 

I did not initiate any application that would justify its presence. 

It is fraudulent, plain and simple.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This letter concerns an issue with a closed credit card account originally held with XXXX. Despite the account being closed, I am continuing to incur erroneous charges and am experiencing persistent, disruptive contact from your collections department. 

Around the end of XXXX three years ago, XXXX closed all of its credit card accounts, including mine. My credit report reflects this closure. However, since the account 's closure, I have been repeatedly charged late fees and interest for months and months. Most recently, these unwarranted charges include : XX/XX/year> : Interest Charge on Purchases - {$12.00} XX/XX/year> : Late Fee - {$41.00} XX/XX/year> : Interest Charge on Purchases - {$11.00} XX/XX/year> : Late Fee - {$41.00} XX/XX/year> : Interest Charge on Purchases - {$9.00} XX/XX/year> : Late Fee - {$41.00} XX/XX/year> : Interest Charge on Purchases - {$8.00} XX/XX/year> : Late Fee - {$37.00} XX/XX/year> : Interest Charge on Purchases - {$8.00} These charges have continued to appear on my statements, even though the account is no longer active and should not be accruing new fees or interest. I also note a " PAYMENT - THANK YOU '' of {$63.00} on XX/XX/year>, which further complicates why charges are still appearing on a closed account. 

In addition to the unwarranted charges, I have been subjected to an excessive number of collection calls at all hours of the day, sometimes multiple times per hour. These calls often include threatening messages. This persistent and aggressive contact is highly disruptive and unwarranted, given the nature of the closed account and the erroneous charges, and may constitute a violation of fair debt collection practices.

I have already disputed this information directly with XXXX within the last three months, but unfortunately, the issue remains unresolved. I request an immediate review of my account to cease all erroneous charges and stop all collection calls related to this closed account. I also demand a full reversal of all late fees and interest charges incurred since the account 's closure.

Company response to consumer: Closed with non-monetary relief