vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XXXX XXXX I contacted synchrony using my online account and requested to extend out my XXXX XXXX payment to the end of my loan due to hardship. It stated I just needed to pay {$43.00} and the remaining balance of {$110.00} was being extended. I paid the {$43.00} and it stated my monthly payments would resume on XX/XX/year> for {$140.00}. I made my payment on XX/XX/XXXX and XX/XX/XXXX but they are showing I have an outstanding balance. When I called them on XX/XX/year> a supervisor says the system is showing that I missed a payment in XXXX and not recognizing my extension and was told it would be looked into and resolved. I am currently receiving texts and emails advising to pay my past due balance but I am not past due and I do have an email and screenshot from the date I requested the extension showing I am not past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: MI

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 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 2025-07-08 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-08 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:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report , formal dispute letter, and government-issued ID, SSN, and proof of address.

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 2025-07-08 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:
I am writing to dispute incorrect credit reporting regarding XXXX. Showing 30 days and 60 days late consecutively.

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 2025-07-08 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: TX

Complaint narrative:
I am writing to dispute incorrect credit reporting regarding XXXX. Showing 30 days and 60 days late consecutively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander is reporting a charged-off auto loan account across all three credit bureaus, but the reporting contains inconsistencies and legal issues. The account shows a {$0.00} balance and is marked as " charged off and purchased by another lender '' on TransUnion, with varying last activity dates and remarks on Experian and Equifax. Only Equifax shows the account as disputed, which further demonstrates inconsistent reporting under the Fair Credit Reporting Act ( FCRA ).

I requested verification under FCRA 609 ( a ), including the original signed auto loan contract, full payment history, charge-off documentation, and legal proof of any sale or assignment of the debt. No such documentation was provided. 

Additionally, if this debt was sold or assigned to another party, the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) requires that I receive written notification within 5 days of the initial communication, which I never received. If Santander or any third party failed to send that notice, they are in direct violation of federal law. 

The account now reflects contradictory and unverifiable information that is damaging my credit and does not meet the legal requirements of accuracy, completeness, and validation under the FCRA and FDCPA. I am requesting a formal investigation into this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
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 non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
so i then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph [ 6 ] [ b ] by not later than 15days after receiving a request from the consumer for that description. 

but they did not do that as well either. 

they are also breaking these laws as well below

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 2025-07-08 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: TX

Complaint narrative:
I am writing to dispute fraudulent entries currently appearing on my credit report. I have no knowledge of these accounts, nor did I provide authorization for their creation. Their presence indicates possible identity theft or unauthorized use of my personal information.

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 2025-07-08 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:
This letter serves as a formal dispute of accounts on my credit report which I have no knowledge of and did not authorize. These fraudulent accounts have caused significant distress and inaccurate reporting of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear XXXX, 1 am writing to dispute the account Portfolio Recovery Associates , with the account number XXXX I have never had a contract or agreement with this debt collector for any amount owed. I request that you provide the original creditor 's proof verifying that Portfolio Recovery Accociates, owns this debt and has the legal authority D to collect it. If such proof can not be provided, I ask that this account be removed from my credit report.

Under the Fair Credit Reporting Act, 15 U.S.C. Sec. 1681i ( a ), 1 am entitled to a thorough reinvestigation of this disputed information. Should the debt be unverifiable or outdated, I request its immediate deletion from my credit report. Please complete your reinvestigation within the time frame mandated by law, which is 30 days. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
i have sent in multiple letters and not one has been deleted. neither did they dispute it. 
PLEASE SEE ATTACHMENTS BELOW!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
i have sent in multiple letters and not one has been deleted. neither did they dispute it. 
PLEASE SEE ATTACHMENTS BELOW!!

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 2025-07-08 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: AZ

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 non-monetary relief
Consumer complaint received 2025-07-08 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: AZ

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 non-monetary relief
Consumer complaint received 2025-07-09 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: AL

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I enrolled both my XXXX XXXX and XXXX credit card accounts with Freedom Debt Relief ( FDR ) on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX stating that my account had been sold to XXXX XXXX XXXX ( XXXX ). However, XXXX never communicated this transfer to me, nor have they provided any written clarification about the status of the account or how they are managing it. 

When I logged into my FDR dashboard in XX/XX/XXXX, it showed XXXX XXXX as the new owner of the XXXX account. Since then, the dashboard has reverted to listing XXXX as the creditor, with no mention of XXXX anywhere. This conflicting and shifting information makes it impossible to understand who currently owns or manages my debt. 

In XX/XX/XXXX, I sent a Debt Validation Request to XXXX via certified mail with signature confirmation. I submitted this request because the amount XXXX claims I owe $ XXXX {$5100.00} higher than the {$32000.00} originally enrolled in the FDR XXXX. XXXX responded in XX/XX/XXXX, but failed to include a XXXX XXXX XXXX or any legal documentation proving their ownership of the debt, as requested. 

Despite this, on XX/XX/XXXX, I received a credit alert from XXXX stating that my XXXX XXXX account was being reported as over 30 days latecausing further damage to my credit. This is especially troubling because I was never instructed to make payments directly to XXXX ; all of my required payments are being made to FDR as part of my settlement program. 

FDR has not responded to multiple written requests for clarification. I emailed their Senior XXXX of Client Services, XXXX XXXX, on XX/XX/XXXX and again on XXXX XXXXneither message received a response. ( Copies attached. ) Additionally, the {$37000.00} now reported by XXXX is {$5700.00} higher than the {$31000.00} balance still shown for the same account on my FDR dashboard as of XX/XX/XXXX. Neither XXXX nor FDR has provided any legal explanation or documentation to reconcile this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify delinquent accounts. Accounts which in fact shows I have late payments. No agency can report me until my account is 30 days past due, not 27 days. I have never missed any payments past my due date on the account ( XXXX ) listed below. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information concerning my payment history. 

I demand to see Verifiable proof you have on file of the accounts ) listed below that my payments were past due. Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must update my late payments to XXXX, XX/XX/XXXX, XX/XX/XXXX and/or XXXX/XXXX IMMEDIATLEY of the accounts listed below. 


XXXX. LXXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX FIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation