vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies currently reflected in my credit report. Despite previous disputes, several items remain unresolved : Closed Accounts Still Showing Active Two accounts that have been fully paid and closed are still inaccurately reported. Please update the status of these accounts to reflect Paid in Full and Closed accordingly.

Hard and Soft Inquiries My credit report shows multiple hard and soft inquiries. I request a thorough review of these entries and removal of any inaccurate or duplicate inquiries.

Incorrect or Outdated Addresses My report continues to list multiple previous addresses, even though Ive filed formal disputes in the past. I respectfully ask for these outdated addresses to be removed, and for only my current address to be retained.

Please provide written confirmation once the above errors are corrected, along with an updated copy of my credit report reflecting these changes.

Thank you for your attention to this matter.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX. Purchased sofa and chair from XXXX on XXXX Synchrony Credit Card XX/XX/XXXX. 
XXXX. Furniture delivered six weeks later and was defective in XXXX, XXXX. 
XXXX. XXXX  agreed to sell me a nicer set that would be trouble free XX/XX/XXXX. 
XXXX. Furniture delivered in XX/XX/XXXX. One year guarantee. Eight Months later foam in cushions failed and the bed supporting the cushions became detached and failed. 
XXXX. XXXX Sent local contractor to inspect and contractor found product failures and confirmed need for repair. XXXX agreed. This was XX/XX/XXXX. 
XXXX. Contractor contacted me XXXX XXXX early XXXX of XXXX. They stated that they needed to remove furniture mid summer and leave me without furniture for three to four weeks. I asked to do it after summer because I had company, contractor agreed. 
XXXX. XXXX decided not to repair the furniture. 
XXXX. I have filed several disputes with Synchrony Bank, they take the dispute, and when XXXX tells them not to honor it they cancel my disputes. 
XXXX. This furniture was almost {$7000.00} and I still owe {$5000.00}. 
XXXX I need help. I want the furniture fixed or removed and my account credited.

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Getting calls from this number saying they are from first credit services XXXX and asking to pay an amount which is due for XXXX XXXXXXXX membership. I also confirmed with XXXX XXXXXXXX and there is no such balance due. 
This is a fake call trying to get money. The number i recieved call from is : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
i do not recognize or authorize this XXXX  XXXX XXXX account ( XXXX ). i do not recall having ever signed for or agreed to this. i have submitted previous disputes yet no one has provided verifiable proof only generic responses claiming it is " verified ''. under the FCRA 1681i & 1681s-2 you must either verify the account with supporting documents or remove it. if you can't prove i am legally responsible please delete this account... this is also covered under the ECOA & FCBA!

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 2025-06-05 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 letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 2025-06-05 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 recently reviewed my credit report and found an unauthorized credit inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year>. I did not apply for any credit or authorize this inquiry. 

Please investigate this matter and remove the inquiry from my credit report, as it appears to have been made without my consent. This may be an error or possible fraudulent activity. 

In accordance with the Fair Credit Reporting Act, I am formally disputing this inquiry and requesting confirmation that it will be removed. I can provide identification and supporting documents if needed. 

Thank you for your attention to this matter. Please confirm once the dispute has been reviewed. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their continued refusal to conduct a lawful and reasonable reinvestigation of multiple valid disputes I submitted concerning inaccurate information on my credit report.

Despite numerous attempts to correct these inaccuracies, including through certified mail and regular USPS correspondence, TransUnion has failed to take appropriate action as mandated by federal law. Below are the dates of my submitted disputes : XXXX. XX/XX/XXXX, regular mail XXXX. XX/XX/XXXX, regular mail XXXX. XX/XX/XXXX ( USPS Certified Mail tracking # XXXX ) XXXX. XX/XX/XXXX, regular mail XXXX. XX/XX/XXXX, regular mail Each dispute explicitly requested the removal of an inaccurate XXXX  record and incorrect personal information that continues to appear on my credit file. I also asked TransUnion to provide documentation or verification procedures used to validate the accuracy of the disputed items. In full compliance with FCRA requirements, I enclosed the following with each dispute : A copy of my government-issued photo ID Social Security Card , and A recent utility bill or official proof of address Despite my adherence to FCRA identity verification requirements, TransUnion has repeatedly failed to respond appropriately. Instead, I received identical generic form letters dated : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Each stated : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This is categorically inaccurate. I submitted each dispute personally and included all required documentation. This repeated response indicates TransUnions failure to reasonably investigate, and in many cases, a failure to respond within the FCRAs required 30-day window ( or 45 days with extended documentation ), thereby violating : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Obligation to conduct a reasonable reinvestigation of disputed information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) Obligation to provide the consumer with the method and source of verification.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting a XXXX XXXX XXXX under my name that was furnished by a third party, XXXX, without my verified consent or legal authorization. I was not given any opportunity to opt out, dispute, or validate the information prior to its publication. The XXXX  court explicitly states that it does not verify records for credit reporting purposes. Equifax has not independently verified the accuracy of this public record, in violation of FCRA 15 USC 1681e ( b ), 1681b, and 1681i. I have submitted CFPB complaint # XXXX against XXXX, XXXX source of this unverified data. I am attaching my FTC Identity Theft Report and government-issued ID under FCRA 1681c-2 to demand full deletion of this public record from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report your company publishes and reviewing it found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date tht you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Ac, XXXX U.S.C. XXXX g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that your are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documents in yours files to verify the accuracy of these disputed accounts then please delete them immediately as required under section XXXX ( a ) ( 5 ) ( A ) ( i ). By publishing these in inaccurate and unverified items on my credit report and distributing them to third parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX U.S.C. XXXX i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account Account # Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX * Note : Please also remove all non-account holding inquiries over 30 days old. 

Thank You ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: UT

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : 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 2025-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Dear Barclays Customer Service, Im writing to escalate an issue regarding the {$200.00} account opening bonus for the tiered savings account you promoted last year. I opened the account through the promotional email you sent, met all the stated requirements ( including maintaining the minimum balance for 120 days ), and followed up twice by phone. 

During my first call, I was told to wait a bit longer for the bonus. However, in today ( XX/XX/year> ) s call, I was informed that the offer was not attached to my accountdespite having signed up directly via your promotional link. 

This seems like a tracking error on Barclays end. I kindly request that this issue be reviewed and resolved promptly, as Ive fully met the offers terms. 

Please confirm receipt of this message and let me know the next steps for resolution.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
At the end of XXXX, I received a letter from Midland Credit Management stating that if I didn't make a payment, they would pursue legal action against me. I was unaware that this company had purchased my debt, which forclosed more than a XXXXXXXX XXXX  earlier. It turns out they acquired the debt on XXXX XXXX but never notified me until the letter i received at the end of XXXX. Their letter indicated that I was supposed to pay them by XX/XX/XXXX or face consequences, but I received it after that date. 

Since then, I have contacted them multiple times in XXXX, XXXX, and XXXX to verify the information I received the information in XXXX which is XXXX later. How can this practice be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX  has to a company called Spring oaks capital and my old loan got XXXX but theyre still heckling me about payments what Ive XXXX to alleviate the problem is Ive paid {$200.00} on XX/XX/XXXX and XX/XX/XXXX and they still XXXXXXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime sent an email stating the account was closed, when called the agent told me I have violated policy but would not say how or when and the account would not be reopened. I asked when money would be returned, he couldn't answer then said it would be returned to the state. I asked for a supervisor due to getting no info. He came back on the line said no supervisor available and hung up on me. 

Magically they closed the account on my pay day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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