vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased furniture from XXXX XXXX through Synchrony Bank under a 0 % interest financing promotion. At the time of purchase, I was new to the United States and my English skills were limited. I was only told that the financing was 0 % interest. I was never informedverbally or in writingthat if I did not pay the balance in full by a certain date, retroactive interest would be charged. 

I made all my payments on time according to my financial ability. I did not know that if the balance was not paid in full by a specific deadline, interest would be applied retroactively. 

On XXXX XXXX XXXX, my remaining balance was {$1800.00}. On XXXX XXXX XXXX {$1600.00} in interest was suddenly added, increasing the total balance to {$3400.00}. Initially, I thought this was a system error. The next day, when the amount did not change, I contacted Synchrony Bank. They told me it was deferred interest and that if I paid the full balance by XXXX XXXX no additional interest would accrue. 

I explained that I could not afford to pay this amount in a lump sum due to my current financial hardship, and I requested either a payment arrangement or a reduction. They refused both. 

At no pointneither at the time of purchase nor afterwardwas I informed about this deferred interest condition. This is misleading and unfair to consumers. 

Therefore, I am requesting the cancellation of this retroactive interest, as well as either a reduction in the total balance or the ability to restructure the payment terms.

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 monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: FL

Complaint narrative:
Dates are supposedly XX/XX/year> Customer acct : XXXX File # XXXX XXXX owed XXXX. 
I do not know wht this is about. I have nothing to do with ups. They are using my name to do this. I have never made or done these charges. That put this account in collection. They better not involve me in something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-08-12 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-08-12 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: Experian Information Solutions Inc.
State: CA

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.

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 XXXX 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 2025-08-12 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my ExperianXXXX XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-08-12 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: IL

Complaint narrative:
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXXXXXX XXXX XXXX  XX/XX/XXXX To Whom It May Concern, Client Name : XXXX XXXX Account Number : XXXX We are writing to address an inaccurate reporting for our customer, XXXX XXXX, regarding her XXXXXXXX XXXX XXXXXXXX XXXX account. Specifically, it has been reported that XXXX had a late payment on XX/XX/XXXX. We would like to clarify that XXXX was never late on her auto loan account. 

Additionally, we wish to bring to your attention that late payments from XX/XX/XXXX to XX/XX/XXXX were not reported due to consideration for XXXX circumstances, as the account owner reported that she was pregnant during this time. The inaccurate late payment notation needs to be removed from her credit report to reflect the accurate payment history. 

XXXX XXXX 's account was paid off in full on XX/XX/XXXX. We kindly request that the incorrect information be updated promptly. The tracking number for this dispute is XXXX. XXXX XXXX has also received a copy of this correspondence in the mail. 


We respectfully request that all three credit bureaus ( Equifax, Experian, and TransUnion ) ensure their records reflect this accurate and positive payment history. Should you require any additional information or verification, please do not hesitate to contact our office at the number listed above. 

Thank you for your attention to this matter. If further information is required, please feel free to contact us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Bank

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 2025-08-12 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: IL

Complaint narrative:
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXXXXXX XXXX XXXX  XX/XX/XXXX To Whom It May Concern, Client Name : XXXX XXXX Account Number : XXXX We are writing to address an inaccurate reporting for our customer, XXXX XXXX, regarding her XXXXXXXX XXXX XXXXXXXX XXXX account. Specifically, it has been reported that XXXX had a late payment on XX/XX/XXXX. We would like to clarify that XXXX was never late on her auto loan account. 

Additionally, we wish to bring to your attention that late payments from XX/XX/XXXX to XX/XX/XXXX were not reported due to consideration for XXXX circumstances, as the account owner reported that she was pregnant during this time. The inaccurate late payment notation needs to be removed from her credit report to reflect the accurate payment history. 

XXXX XXXX 's account was paid off in full on XX/XX/XXXX. We kindly request that the incorrect information be updated promptly. The tracking number for this dispute is XXXX. XXXX XXXX has also received a copy of this correspondence in the mail. 


We respectfully request that all three credit bureaus ( Equifax, Experian, and TransUnion ) ensure their records reflect this accurate and positive payment history. Should you require any additional information or verification, please do not hesitate to contact our office at the number listed above. 

Thank you for your attention to this matter. If further information is required, please feel free to contact us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
Multiple fraudulent accounts and credit inquiries appeared on my Experian credit report due to a recent data breach involving my personal information. I have never opened or authorized these accounts or inquiries. I filed an FTC Identity Theft Report ( Report # XXXX ) and sent Experian certified mail requesting that these accounts be blocked and permanently deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ), 611, and 623. I also demanded that they be permanently blocked from reinsertion under 611 ( a ) ( 5 ) ( C ). Despite receiving the required documentation, Experian has not removed all of the fraudulent items. This violates my rights under the FCRA and subjects me to ongoing harm. I am requesting that the CFPB ensure Experian : Immediately block and delete all fraudulent accounts and inquiries I have identified. Permanently block these items from being reinserted in the future. Provide written confirmation of the deletions.

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 2025-08-12 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: FL

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 XXXX USC XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights. 
XXXX U.S.C XXXX section XXXX. States I have the right to privacy. 

XXXX U.S.C XXXX section XXXX A. Section XXXX : it also states a consumer reporting Agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXX ( a ) ( XXXX ) section states : no consumer Reporting agency may make any consumer report containing 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating 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 2025-08-12 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: FL

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 XXXX USC XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights. 
XXXX U.S.C XXXX section XXXX. States I have the right to privacy. 

XXXX U.S.C XXXX section XXXX A. Section XXXX : it also states a consumer reporting Agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXX ( a ) ( XXXX ) section states : no consumer Reporting agency may make any consumer report containing 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Subject : XXXX XXXX XXXX  XXXX Inaccurate/Inconsistent Reporting and Failure to Correct After Dispute Complaint : I am filing this complaint to report inaccurate, inconsistent, and misleading credit reporting by XXXX XXXX XXXX  XXXX regarding my credit card account ending in XXXX. This account has been paid and disputed, yet derogatory and conflicting information remains on my credit reports across the three major credit bureaus. 

Facts and discrepancies from my credit reports : Account Status XXXX  : Deleted XXXX  : Negative TransUnion : Negative Date Opened XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Closed XXXX  : Not listed XXXX  : Not listed TransUnion : XX/XX/XXXX Payment Status XXXX  : Closed Account previously in dispute, resolved by data furnisher XXXX  : Collection/Chargeoff Account was in dispute, now resolved ; unpaid balance reported as loss TransUnion : Collection/Chargeoff Payment after charge-off, dispute resolved, reported by XXXX Last Activity XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX Past Due History ( inconsistent counts of late payments across bureaus ) XXXX  : 1 30 days, 1 60 days, 3 90 days XXXX  : Multiple late payments including 90, 120, 150 days past due in XXXX TransUnion : 0 30 days, 1 60 days, 1 90 days Last Reported Date XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX Date of Last Payment XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX Laws Violated FCRA ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) Failure to conduct a reasonable reinvestigation after a dispute.

1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate.

1681s-2 ( a ) ( 2 ) Duty to promptly update and correct information so it is not misleading.

1681s-2 ( b ) Duty to investigate and correct after notice of dispute from a CRA.

Regulation V ( 12 C.F.R. 1022 Furnisher Rule ) : 1022.42 ( b ) Duty to have reasonable written policies to ensure the accuracy and integrity of furnished data.

1022.43 Duties upon direct disputes, including correcting or deleting inaccurate information.

Harm caused : Conflicting derogatory data across bureaus causes material damage to my creditworthiness.

Failure to maintain uniform and accurate reporting after dispute resolution is evidence of inadequate data handling and noncompliance with federal 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 2025-08-12 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-12 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: FL

Complaint narrative:
This morning, I discovered that unauthorized inquiries are still appearing on my credit report, and I am completely at a loss as to why. I even refreshed my browser, hoping it was just a glitch, but nothing changed. This is beyond frustrating, and I demand that the documents Ive sent be reviewed immediately so I can finally stop worrying about this issue once and for all.

Company response to consumer: Closed with non-monetary relief