vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am filing a complaint regarding Synchrony Bank for deceptive and misleading practices. 
On or around XXXX XXXX a Synchrony customer service representative contacted me regarding my account. During the recorded call, the representative stated the following : If I made a payment of XXXX, my credit limit would be restored to its original amount of XXXX. 

The representative also stated that this would NOT require a credit check or credit pull of any kind. i am on the call asking this several different ways. 

I relied on these statements and made the payment as instructed. 

After fulfilling their request, Synchrony Bank failed to restore my credit limit, contradicting what was promised. This has caused financial harm and negatively impacted my credit utilization ratio. 

I have reason to believe the representatives statements constituted a misrepresentation and violated consumer protection laws, including unfair or deceptive acts or practices. The calls are recorded, and I can provide the audio if necessary. 
Also the calls you have are recorded here is the case number for your corporate office filed XXXX. Another complaint with the agent 's manager was filed and the case number for that is XXXX. Complaints were filed with supervisor Ms.XXXX employee id 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 2025-12-01 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 disputing the following items on my TransUnion credit report because they appear to be inaccurate or unverifiable. I request that TransUnion investigate these accounts and correct any discrepancies as required by the FCRA. 

CHARGED OFF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Please verify the details of these charged-off accounts, including the balance, dates, and reporting accuracy. 

INQUIRIES XXXX XXXXXXXX, XX/XX/XXXX Please verify the purpose of this inquiry or remove it if it was not authorized. 

LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify and correct this late payment if it is inaccurately reported.

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 2025-12-01 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: GA

Complaint narrative:
XXXXThe credit bureaus (Experian, Equifax, and TransUnion) failed to complete a reinvestigation and failed to delete unverified accounts within the required timeframe under the Fair Credit Reporting Act (FCRA 611).XXXX XXXX XXXX XXXX I mailed written disputes to Experian, Equifax, and TransUnion regarding multiple inaccurate collection accounts appearing on my credit report. These disputes were sent via certified mail with the following tracking numbers:XXXXExperian: XXXX XXXX XXXX XXXX XXXX XXXXEquifax: XXXX XXXX XXXX XXXX XXXX XXXXTransUnion: XXXX XXXX XXXX XXXX XXXX XXXXUnder FCRA 611(a)(1)(A), each bureau is required to complete its investigation within 30 days.XXXXNone of the bureaus respondedXXXX XXXX XXXX XXXX, I mailed a second notice (Failure to Respond / Demand for Deletion), giving each bureau an additional 15 daysXXXXNone of them responded.XXXXIt has now been well beyond the legally mandated timeframe, and all three bureaus have failed to:XXXXRespond to my initial disputesXXXXRespond to my follow-up noticesXXXXProvide investigation resultsXXXXVerify the disputed collection accountsXXXXDelete unverified information as required by FCRA 611(a)(5)XXXXUnverified accounts includeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXThe credit bureaus (Experian, Equifax, and TransUnion) failed to complete a reinvestigation and failed to delete unverified accounts within the required timeframe under the Fair Credit Reporting Act (FCRA 611).XXXX XXXX XXXX XXXX I mailed written disputes to Experian, Equifax, and TransUnion regarding multiple inaccurate collection accounts appearing on my credit report. These disputes were sent via certified mail with the following tracking numbers:XXXXExperian: XXXX XXXX XXXX XXXX XXXX XXXXEquifax: XXXX XXXX XXXX XXXX XXXX XXXXTransUnion: XXXX XXXX XXXX XXXX XXXX XXXXUnder FCRA 611(a)(1)(A), each bureau is required to complete its investigation within 30 days.XXXXNone of the bureaus respondedXXXX XXXX XXXX XXXX, I mailed a second notice (Failure to Respond / Demand for Deletion), giving each bureau an additional 15 daysXXXXNone of them responded.XXXXIt has now been well beyond the legally mandated timeframe, and all three bureaus have failed to:XXXXRespond to my initial disputesXXXXRespond to my follow-up noticesXXXXProvide investigation resultsXXXXVerify the disputed collection accountsXXXXDelete unverified information as required by FCRA 611(a)(5)XXXXUnverified accounts includeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 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 am writing to file a dispute regarding multiple inaccuracies on my credit report. Below are the accounts in question, organized by credit bureau : CHARGED OFF ACCOUNTS EXPERIAN : XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$340.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$100.00} XXXX XXXX, XX/XX/XXXX, {$0.00} LATE PAYMENTS EXPERIAN : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-01 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: DE

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 XXXX, Equifax 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I am submitting this statement to dispute several items on my Experian credit report under the Fair Credit Reporting Act ( FCRA ). I request that all disputed accounts and inquiries be fully investigated and corrected or removed if verification can not be provided. 

XXXX. Disputed Charged-Off Account XXXX XXXXXXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$5700.00} I dispute the accuracy of this account. I request verification, including documentation showing my responsibility for this debt. 

XXXX. Disputed Unauthorized Collection Account Account # : XXXX, Date : XX/XX/XXXX, Balance : {$310.00} I did not authorize this collection account. I request immediate investigation and removal if it can not be validated. 

XXXX. Disputed Inquiries ( Unauthorized Credit Pulls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries. Please investigate and remove any that were made without my consent. 

Please provide written confirmation of your investigation and the results. Thank you for your prompt attention to these disputes.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am receiveing text messages from XXXX stating it is a credit collection services a debt collector attempting to collect a debt owed to The XXXX XXXX XXXX in the amount of {$140.00}. to call XXXX or self XXXX reference # XXXX. I called them and told them this has alreadh been paid in XX/XX/year>. They requested I send proof of payment, I did not. I called the XXXX spoke with an agent and confirmed that that amount had been paid and I do not owe anything. XXXX also stated that they did not and do not show that being sent to a collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/year>, I sent a formal dispute letter via certified mail to Equifax regarding an inaccurate account ( XXXX XXXX  ). In that mailing, I included clear copies of my Identification ( Passport ), my Bank Statement ( Proof of Address ), and my Social Security Number to verify my identity. 

Despite receiving this full documentation, Equifax responded with a stall letter dated XX/XX/year>, falsely claiming they " were unable to locate a credit file '' for me and requesting the exact same identification documents I had already provided. 

This is a clear violation of the FCRA ( 15 U.S.C. 1681i ). Equifax is using automated stall tactics to avoid conducting a reasonable investigation. It is impossible that they can not locate my file when they are actively reporting collections on it. I have re-sent my documents via mail, but I am filing this complaint to demand that Equifax stop feigning ignorance, locate my file immediately using the SSN provided, and process my dispute as required by federal law.

Certified Mail USPS Tracking : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please correct/update the inaccurate information from my credit report.

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 2025-12-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-12-01 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: OH

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and XXXX  Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : Account Number : Balance : Inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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