vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
[ XXXX XXXX XXXX ] XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, LA XXXX ] [ XXXX. ] XXXX XXXX ] To : [ XXXX ] XXXX Credit Bureau Address see below for info if needed ] RE : Request for Investigation and Removal of Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute and request the investigation of certain items listed on my credit report maintained by your agency, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am not identifying which specific items are inaccurate at this time ; however, I am asserting my right to challenge any and all information that can not be verified as accurate, complete, and legally reportable.

Under the FCRA, you are required to conduct a reasonable investigation of disputed information, and to delete any information that can not be verified within 30 days of receipt of this notice. Specifically, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states : " If, 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 ... '' Accordingly, I am requesting that your office immediately initiate an investigation into all potentially unverifiable information on my credit file and delete any and all data that can not be fully verified in accordance with the FCRA. 

Enclosed you will find the following documents to verify my identity and address as required : A copy of my government-issued photo ID A copy of my Social Security card A recent utility bill/bank statement as proof of address Please send me the results of your reinvestigation, including a free updated copy of my credit report as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), once your investigation is complete.

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Let me know if youd like help formatting or choosing the address for each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-27 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: IL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UPGRADE, INC.
State: CO

Complaint narrative:
I had previously been working with a debt resolution company named XXXX XXXX. They were too expensive and difficult to work with. I terminate their services. However, before I terminate their services they had already established a payment plan with a creditor of mine named Upgrade. I have made more than 4 calls to Upgrade to inform them that they will need to debit the prearranged payment amount from my account as XXXX XXXX was no longer involved. 

Upgrade tells me that they can not help me or speak with me ( even after them verifying that I am the account holder ) until they receive a release from XXXX XXXX. I emailed them a copy of the email from XXXX XXXX showing that their services were terminated. Upgrade tells me that until they receive the POA release from XXXX XXXX that they will not engage with me. 

I asked them for a copy of the POA they were referring to. I was told that I can not have a copy of it, even though it was on MY account. I explained to them that I was wanting to ensure that they continue to receive payment for the agreed upon payment plan. They told me that they don't care, as they will not help me with my own account until they receive a release of POA from XXXX XXXX. 

I explained to them that if they couldn't produce a POA ( which I have never signed ) then it didn't exist. They still continue to assert that there is a POA and that I am not allowed to see anything on MY account. 

I then told them that they would not be receiving any more payments from XXXX XXXX as they were no longer in the picture and that I would like to get this debt paid according to the plan. They were not interested in getting payment. 

I explained to them that if I was in charge of the debt collection group that they were in, and I found out that a debtor was trying to make payments on an agreed upon arrangement, and I had employees intentionally not taking payments from the debtor, that I would fire them. After all, their purpose to is collect on debts. 

I have a recording of many calls about this very same issue if you would like to listen to them. I would upload any of them, but they are all larger than 10MB. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-27 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:
Message to XXXXXXXX XXXX XXXXXXXX This is to inform you that XXXX XXXX sold you my credit account. However, as of XX/XX/year>, XXXX XXXX has submitted a request to the Credit Reporting Agencies ( CRAs ) to delete the XXXX  XXXX account from my credit files. 

Under 15 U.S. Code 1681b ( a ) ( 2 ), my credit report may only be accessed with my written consent. You may not access or use my consumer report without a permissible purpose, and reporting or continuing to report an unverified account is a violation of this section.

I formally dispute this collection entry and request its removal unless you can provide documented proof of both my consent and the accuracy of the information being reported. 

Be advised that if this matter is not resolved appropriately, I am fully prepared to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Consumer Protection Division. I will also consider seeking legal counsel to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I expect full compliance without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am writing to dispute a late payment inaccurately reported on my credit report. Verified records show that all payments were submitted on time, and this entry is therefore false. The presence of this error negatively impacts my creditworthiness and must be corrected immediately.

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 2025-08-27 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account that is currently reported under my credit history. I never authorized, opened, or maintained this account. Its reporting is false, misleading, and negatively affecting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: GA

Complaint narrative:
They will not abide and Apply SCRA to the debt. 

SCRA IS A FEDERAL LAW! 

Title code 50 U.S.C. 3937 Ive asked for them to stop adding the interest to my debt from the date of me joining active duty. XX/XX/year>. They said they dont know about it or they dont handle that stuff, that I need to contact original creditor. SCRA follows the debt not the creditor. The debt was sold and they own it, so it falls on them. I have Military orders as well. They will not abide by SCRA laws under title code 50 U.S.C to stop charging the interest and should lower it to 6 % from the date of joining active duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX I transferred {$5000.00} from my Paypal account to a newly opened Synchrony High Yield Account. This transaction was confirmed over the phone and by documents received from Synchrony and Paypal in the mail. On XX/XX/year> Synchrony sent a letter saying they were " conducting a review to verify some recent activity on the listed account. To protect against any unauthorized use of your account, we've placed a temporary restriction on your Savings account. '' I had not had any transactions to date other than the initial deposit. XXXX XXXX and XXXX XXXX bank statements were received indicating a {$5000.00} balance. Upon receipt of a letter dated XX/XX/year> Synchrony states : " We regret to inform you we're unable to continue offering banking services on your account for the following reason : - Based on information identified through internal and public data sources during a recent review of this account. At this time, your account has been closed. If applicable, we've enclosed a check for any remaining account balances '' The account balance was {$5000.00} ; Synchrony Bank has not sent a check or returned the funds in any form. After placing eight phone calls or more Synchrony Bank stated that Paypal ( the bank of origin ) would have to reclaim or recall the funds. PayPal states that they can not reclaim the funds do to the fact that there was no fraud and it had been more than five days since the initial transaction. Synchrony Bank will not return my {$5000.00}. 

Hide full complaint

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 2025-08-27 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: GA

Complaint narrative:
Since XX/XX/year>, refunds on my PayPal Credit account were applied and then immediately canceled out with equal miscellaneous adjustments. This left my balance inflated as if the refunds never occurred. Despite numerous calls and chats, I was given conflicting and misleading explanations. Some agents insisted the refunds were correct, but my balance still included refunded purchases, and one manager admitted the issue was obvious but unresolved. 

I was told on XX/XX/year> that a dispute was opened. On XX/XX/year>, another XXXX said a letter dated XX/XX/XXXX claimed my balance was correct. However, upon review, the manager confirmed that there is no record of this letter ever being sent from their system. That same manager said reopening the case could take another 12 billing cycles. My account currently shows about {$1900.00} when my actual balance should be closer to {$410.00}, meaning I am being overcharged by about {$1500.00} and exposed to improper deferred interest. 

Please see the attached summary and supporting statements. The attachment clearly documents how refunds were canceled out by adjustments, inflating my balance.

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 2025-08-27 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX 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 2025-08-27 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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