vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year>, Experian reported a late payment on my XXXX XXXX student loan. This is inaccurate. 

I contacted XXXX directly, and they provided official documentation ( dated XX/XX/year> ) confirming : The account was in deferment at the time. 

The Past Due Amount was {$0.00}. 

The Next Payment Due Date was not until XX/XX/year>. 

This proves that no XXXX delinquency ever occurred. 

I disputed the error with all three credit bureaus. Equifax and TransUnion corrected the record, but Experian refused. On XX/XX/year>, Experian closed my dispute and stated the account has not been changed and will remain on your credit report, despite the furnishers written confirmation that the late payment should not exist. 

By continuing to report this late payment, Experian is failing to ensure maximum possible accuracy as required by FCRA 607 ( b ) and is knowingly reporting false information in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

I am requesting immediate removal of the inaccurate XX/XX/year> late payment from my Experian credit report to bring it into compliance with the law. 

Attachments : XXXX XXXX statement confirming no past due balance. 

Experian dispute results dated XX/XX/year>. 

Would you like me to also create a shorter consumer-facing version you can use if Experians executive dispute team contacts you directly after the CFPB complaint? That way youre ready to speak clearly without all the legal citations.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received IRS Form 1099-Cs for my Synchrony Bank accounts ( attached ). Despite this, XXXX is reporting these accounts with inaccurate and derogatory statuses compared to the other bureaus : SYNCBXXXX XXXX XXXX XXXX XXXX Charge card Paid in settlement, account paid in full for less than full balance. 

XXXX XXXX : Revolving account Paid or paying as agreed, {$0.00} balance. 

- XXXX XXXX Revolving account Pays account as agreed, {$0.00} balance. 

SYNCB/PPC  - XXXX  : Credit card Paid in settlement, account paid in full for less than full balance. 

- XXXX : Revolving account Paid or paying as agreed, {$0.00} balance. 

XXXX XXXX  : Does not report this account. 

These inconsistencies cause XXXX  reporting to appear more negative than XXXX XXXX XXXX  which unfairly harms my credit profile. Synchrony has already canceled these debts and reported them to the IRS as income. XXXX status labels of settled/less than full balance are misleading and incomplete. 


Attachments Provided : XXXX PPC XXXX IRS Form 1099-C for SYNCB/PPC  ( XX/XX/year> ) XXXX XXXX XXXX  IRS Form 1099-C for SYNCBXXXX XXXX ( XX/XX/year> ) XXXX PPCXXXX XXXX  credit report entry for SYNCB/PPC XXXX XXXXXXXX XXXX XXXX credit report entry for SYNCBXXXX XXXX XXXX-Synchrony PPCXXXX XXXX credit report entry for SYNCB/XXXX  XXXX XXXX XXXX XXXX credit report entry for SYNCB/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 2025-09-25 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts reporting that do not belong to me reporting fraudulent, I do not recognize these accounts and they are 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 2025-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez sent a ton of advertising stating that we could refinance and receive {$100000.00}. We started the process on XX/XX/year>, with Newrez, XXXX XXXX. The process began and then slowed by XX/XX/XXXX after paying the non-refundable appraisal and fees. Documents were sent on XX/XX/year>. On XX/XX/XXXX, I wrote to XXXX XXXX and asked if she had received the documents I sent. On the XXXX, I also asked XXXX if I needed to pay the mortgage for XXXX, as I saw it was rolled into the new mortgage. During this time, the appraisal was completed. On XX/XX/XXXX, I asked for status of the loan and was told by XXXX XXXX that the loan was conditionally approved and was assigned to XXXX. XXXX XXXX immediately took vacation, after touching base. On XX/XX/XXXX, I received lots of correspondence from different peoplebut still could not get the loan completed. I was told that the XXXX would have to be removed before closing. XXXX asked that a water heater be installed and after that was installed and we reported to her she asked that we replace tile in a bathroom. We completed the assignments. I was angry because by telling me the assignments one at a time, I lost time. I work XXXX jobs and don't have a lot of time. I asked to communicate with a manager and XXXX XXXX entered the scene. She again sent the assignment with pictures. We completed the assignment. I asked for status and XXXX said XXXX would call me and I asked for communication in writing. A week later after no response I was told by XXXX that XXXX XXXX would be calling me and he told me the loan was denied on XX/XX/year>. It was denied because property taxes would be a XXXX dollars more. I believe this is a scam and they get money by charging fees and appraisal 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 2025-09-25 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 have incorrect information on my credit report. I contacted the creditors and I also contacted Equifax and transunion. Creditors nor Equifax or Transunuion could provide me with proof of ownership and also creditors, trans union and equifax has incorrect information of my date of birth and address and they avoid providing me with proof of debt although debt dont belong to me but they still have it reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Account Details Last reported XX/XX/XXXX {$1300.00} Open balance TRANSWOR LD SYSTEMS Original creditor XXXX  Opened XX/XX/XXXX ( 2 yrs, 5 mos ) <<< this date I was living in Alabama Account status Open<<<< closed with XXXX I XXXX/XXXX Type Responsibility Individual Remarks Consumer disputes after resolution Collection account Original creditor name<<<< not original this is also against Alabama law, been here 4 years TRANSWORLD SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The company did not apply my payments properly. They stop my auto payments. Then they closed the account. They have the account overcharged. Since I changed my due date to the XXXX of the month in XX/XX/2024, I have been having problems.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverifiable information on my credit file that is causing me financial and personal harm. The account XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$230.00} is being reported with late payment history even though I have never made any late payment on this account, which is false and violates the Fair Credit Reporting Act requiring maximum possible accuracy. The account XXXX XXXX opened on XX/XX/XXXX with a balance of {$140.00} is being reported as a collection despite the fact that I have never received any lawful notice or validation of this alleged debt, making the reporting unverifiable and unlawful. The account XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX with a balance of {$570.00} is also being reported as a collection even though no proper validation has been provided, and this inaccurate reporting is in direct violation of both the FCRA and the Fair Debt Collection Practices Act which require debts to be validated before reporting. The account XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$9900.00} is being reported as a charge-off but the balance, dates, and status are not being reported in compliance with Metro 2 standards and no proper documentation has been provided to prove this charge-off is valid, making this account inaccurate and unverifiable. The account XXXX  XXXX opened on XX/XX/XXXX with a balance of {$410.00} is listed as a collection even though I have never received any documentation or validation proving that this debt is mine, making this reporting unlawful and harmful. All of these accounts are being reported without proper verification or accuracy and they are damaging my credit reputation and lowering my credit score unfairly. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Equifax and the furnishers involved to delete or correct these accounts immediately since the law requires only accurate, complete, and verifiable information to be included in a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am submitting this complaint against ChexSystems , Inc. regarding the inaccurate and unfair reporting of information that has negatively affected my ability to obtain a bank account.

ChexSystems is reporting information about me that is inaccurate, incomplete, and/or unverifiable. I have requested proper validation and a full investigation into the accounts and negative items being reported, but ChexSystems has either failed to respond adequately or has not provided sufficient proof that the information being reported is accurate. 

This reporting has caused me harm by unfairly restricting my access to basic financial services, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). ChexSystems is obligated to ensure maximum possible accuracy of the information they report and to properly investigate disputes. Their failure to do so has placed me at a disadvantage and subjected me to financial hardship. 

I am requesting the CFPB to investigate ChexSystems reporting and compliance with federal law. Specifically, I ask that ChexSystems be required to : 1. Conduct a full reinvestigation of the disputed information.

2. Remove any unverifiable, inaccurate, or outdated negative records from my file.

3. Provide me with documentation verifying the accuracy of any negative items that remain. 

ChexSystems negligence has directly harmed me by preventing me from opening a checking account and maintaining normal access to banking services. I believe their actions are unlawful, and I am requesting CFPBs assistance to hold them accountable.

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 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1.

I have already contacted the credit bureau and the furnisher, XXXX XXXX XXXX, to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX XXXX XXXX  regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 
Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

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 2025-09-25 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-09-25 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I wrote this letter to the CEO of TransUnion : I received a letter from TransUnion Event dated XX/XX/XXXX, notifying me that my name and social security number was at least exposed by n unauthorized access. The letter provided me with a URL and a code which would give me access to XXXX  months of free monitoring services, including ID XXXX, ID XXXX ( not sure what that is ), and a XXXX dollars worth of ID theft insurance. 

I went to XXXX  on XX/XX/XXXX. The online form wouldnt accept XXXX of the requested data. I called the number provided by the letter ( XXXX ). After a thirty-minutes or so wait, I got someone whose XXXX was difficult to understand. Because of that obstacle, the call took close to an hour to complete. 

The TransUnion agent had me try again. When it failed again, he had me change browsers. When that also failed again, he gave me a new code. That got me all the way through the application which then failed. The agent had me wait, then returned to explain the problem was with the website. There was nothing he could do. When asked, he had no idea of when the problem might be resolved. 

I have tried to register for the service on XX/XX/XXXX, and today. All three times, Ive made it all the way through the registration process only to be notified there was a problem and to try again.

Im left with one of two explanations : 1 ) the shoddiness of the website and the slowness to make it functional may be a clue as to how my data was so easily accessed from your organization ; 2 the malfunctioning website is an intentional tactic to discourage potential victims of your carelessness from actually getting the promised protection. 

XXXX XXXX, your TransUnion is not looking like a class act. Maybe it needs a class action. Id rather you expedite keeping your promises.

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 2025-09-25 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief