vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
This is my second time filing a complaint against the credit unions for allowing XXXXXXXX XXXX XXXX XXXX  to report delinquency in my credit reports. Back in XXXX I opened complaints stating I could not reach them on the phone, I was locked out of my account online. They replied to the complaint on this site but still did not update my access to my account and send my current bills until XX/XX/XXXX stating that I was delinquent as of XX/XX/XXXX. I called them and finally got someone on the phone to assist and also updated my information. Why am I being reported delinquent when I did not receive timely notice. This company also did not choose to help my current status until I threatened refinance with another loan servicer. That have finally lowered the payment and offered discretionary forebearance but left two of my loans with 90 days delinquency as of XX/XX/XXXX which has once again dropped my score almost XXXX points. I would like it updated and removed to show the original date I received the bills which was XX/XX/XXXX. They also lied stating they called me and they did not, I have no missed call or voicemail that they called to advise I was delinquent. The rep is even stated they normally leave voice message and this was not done.

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 2025-10-17 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: TX

Complaint narrative:
This is my second time filing a complaint against the credit unions for allowing XXXXXXXX XXXX XXXX XXXX to report delinquency in my credit reports. Back in XXXX I opened complaints stating I could not reach them on the phone, I was locked out of my account online. They replied to the complaint on this site but still did not update my access to my account and send my current bills until XX/XX/XXXX stating that I was delinquent as of XX/XX/XXXX. I called them and finally got someone on the phone to assist and also updated my information. Why am I being reported delinquent when I did not receive timely notice. This company also did not choose to help my current status until I threatened refinance with another loan servicer. That have finally lowered the payment and offered discretionary forebearance but left two of my loans with 90 days delinquency as of XX/XX/XXXX which has once again dropped my score almost XXXX points. I would like it updated and removed to show the original date I received the bills which was XX/XX/XXXX. They also lied stating they called me and they did not, I have no missed call or voicemail that they called to advise I was delinquent. The rep is even stated they normally leave voice message and this was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
The entry reported does not fairly reflect my payment record and appears to be in error. Kindly investigate and eliminate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: CO

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a XXXX  and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

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 ] Account Number XXXX [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-17 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Bethpage FCU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am disputing the above-referenced account for the 4th time. Despite your previous letters sent stating the account is VERIFIED, the following inaccuracies remain on my credit report : [ Incorrect balance amount ] [ Date of last activity ] [ Incorrect charge-off date ] [ Payment history ] [ Date opened and date closed ] Also I disputed if the debt belong to me and asked for evidence of how this was verified but received nothing.

Under the Fair Credit Reporting Act 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation of disputed information. Your previous verification does not satisfy this requirement when inaccurate information persists.

I demand that you : 1. Conduct a thorough reinvestigation beyond automated verification 2. Require the furnisher to provide method of verification ( MOV ) with supporting documentation. Bank statements are not proof of ownership.

3. Delete this tradeline if the furnisher can not provide competent evidence of accuracy as required by 15 U.S.C. 1681e ( b ) 4. Provide me with specific results of your reinvestigation per 15 U.S.C. 1681i ( a ) ( 6 ) and ( a ) ( 7 ) You have 15 days from receipt to complete this reinvestigation or legal action will be pursued. Failure to delete unverifiable information may constitute noncompliance with the FCRA, subjecting your bureau to liability under 15 U.S.C. 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: 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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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
Consumer complaint received 2025-10-17 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I believe the agent was attempting to impersonate an attorney or was falsely representing that the communication was from a law office to coerce payment, which is illegal. Nationwide Capital Services LLC is not a law firm. Incident occurred today calling me. XXXX XXXX and someone named 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 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
I placed an order with XXXX XXXX through Zip totaling {$100.00} on XX/XX/year> ( Order # XXXX ). XXXX later confirmed the package was lost and advised XXXX XXXX to process a refund. XXXX XXXX refused and redirected me to XXXX. XXXX then closed the claim as Package Not Found, confirming loss. 

I provided all this information to Zip and filed a formal billing dispute for non-receipt of goods. Zip responded that they can not pause or intervene and continued to charge me, even adding a {$7.00} late fee while my dispute was pending. They later withdrew the payment from my account despite my written notice that the transaction was in dispute. 

This violates the Fair Credit Billing Act and Regulation Z, which require billing and collection to stop while a dispute is being investigated. Zips actions forced me to pay for merchandise I never received. 

I am requesting that Zip : Refund all payments and the {$7.00} late fee charged during the dispute, Pause any further billing or collections on this transaction, and Provide written confirmation that this account is marked in dispute. 

I have attached all supporting evidence, including the XXXX claim closure, XXXX XXXX emails, and Zips correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 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 FRAUDULENT INQUIRIES : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX 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 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 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 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 FRAUDULENT INQUIRIES : 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 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 XXXX 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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am a Massachusetts resident, a XXXX XXXX at XXXX XXXX XXXX XXXX, and a XXXX  mother. On XX/XX/year>, I purchased a fiberglass swimming pool shell for {$6700.00} via XXXX using my PayPal Cashback Mastercard ( Synchrony Bank ). 
The product arrived visibly damaged and structurally unsafe, with brittle, cracked fiberglass that made it unusable and hazardous. I immediately filed a Purchase Protection claim. The seller was uncooperative, and although PayPal initially delayed the case resolution multiple times, they ultimately denied my claim on XX/XX/year>, citing failure to return the item despite never providing return instructions or a label. 
I have already submitted two CFPB complaints regarding this matter, on XX/XX/year>, and XX/XX/year>, as well as complaints to the Massachusetts Attorney General and XXXX. Despite this, PayPal has moved to reverse the refund and recharge me {$6700.00} on XX/XX/year>. I am financially unable to absorb this and feel PayPal is not acting in good faith. I should not be punished for not returning a dangerous and oversized item without proper help.

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 2025-10-17 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: NC

Complaint narrative:
I am disputing several inaccurate or unverified accounts that continue to appear on my credit report. 

On XX/XX/year>, I sent formal Debt Validation Requests to all the furnishers listed below and submitted bureau disputes on XX/XX/year>. Some items were updated inconsistently or not at all, despite no proper debt validation being provided. 

The following accounts are in question : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX, TransUnion ) Unknown Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) Unknown Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( All three bureaus ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX, Equifax ) XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( All three bureaus ) XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All three bureaus ) XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( All three bureaus this is the first time this item has been escalated to CFPB ) These accounts have either not been validated, were reported inaccurately, or are continuing to show after disputes without verified documentation from the furnishers. 

The bureaus have not conducted a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA, Section 611 ). Several of these furnishers also failed to provide verification under the Fair Debt Collection Practices Act ( FDCPA, Section 809 ).

I am filing this complaint because the credit bureaus continue to report unverified or inconsistent information even after disputes and documentation were provided. This is causing ongoing damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
These are inaccurate items. They show as late payments.

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