vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally dispute XXXX inaccurate collection accounts currently appearing on my credit file. These accounts contain incorrect information regarding the date of first delinquency and appear to be re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Open Date Reported : XX/XX/XXXX Balance : {$390.00} This debt originated in XXXX and has been falsely re-aged by reporting a new open date in XXXX. Please verify the original date of delinquency and remove this account if the date is inaccurate. 

XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Open Date Reported : XX/XX/XXXX Balance : {$1200.00} This account is also inaccurately reporting a recent open date. I dispute this information and request verification of the original delinquency date. If unverifiable or inaccurate, please remove this account. 

I am requesting an investigation of both accounts and deletion if they can not be verified with the correct dates. 

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Current Address : 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 2025-06-30 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: DE

Complaint narrative:
I am writing to formally dispute XXXX inaccurate collection accounts currently appearing on my credit file. These accounts contain incorrect information regarding the date of first delinquency and appear to be re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Open Date Reported : XX/XX/XXXX Balance : {$390.00} This debt originated in XXXX and has been falsely re-aged by reporting a new open date in XXXX. Please verify the original date of delinquency and remove this account if the date is inaccurate. 

XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Open Date Reported : XX/XX/XXXX Balance : {$1200.00} This account is also inaccurately reporting a recent open date. I dispute this information and request verification of the original delinquency date. If unverifiable or inaccurate, please remove this account. 

I am requesting an investigation of both accounts and deletion if they can not be verified with the correct dates. 

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Current Address : 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 2025-06-30 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:
XXXXtheses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: GA

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Subject : XXXX XXXX Synchrony Bank XXXX XXXX XXXX Notice, Distress, and Delayed Resolution On XX/XX/year>, I logged in to my Synchrony Bank credit card account and received a message stating my payment was past due. This was incorrect, as I had already scheduled a payment, which was showing as pending. Alarmed by the notice, I immediately made a duplicate payment. The experience caused me significant distress and confusion. 

I promptly contacted XXXX via secure message on XX/XX/year> but received no response. I have since spent considerable time communicating with multiple agents and escalation teams via chat, as documented in the attached chat transcript, yet the issue remains unresolved. XXXX has acknowledged the error was due to a payment reminder alert, but the duplicate payment refund is still delayed, and I have not received any response regarding my request for statutory remuneration for the XXXX  and inconvenience caused. 

I am requesting CFPB assistance to ensure Synchrony Bank issues a prompt refund, addresses their lack of timely response, and considers appropriate compensation for the distress and inconvenience resulting from their error and negligent handling of my 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 monetary relief
Consumer complaint received 2025-06-30 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
b'This is a formal complaint against AMERICAN EXPRESS for repeated and ongoing violations of the Fair Credit Reporting Act (FCRA) under 15 U.S.C.  1681s-2(b), 1681e(b), and 1681i(a). AMEX is currently furnishing multiple inaccurate and derogatory tradelines to all three major consumer reporting agenciesXXXX XXXX XXXX XXXXwithout substantiating the data, and has failed to meet its legal obligation to conduct a proper reinvestigation after receiving notice of dispute.\n\nThe following accounts are in question:\n\nAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, marked as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX day late payments from XXXX XXXX XXXX XXXXI formally dispute the accuracy and validity of these tradelines. AMERICAN EXPRESS has failed to provide documented evidence of the alleged delinquencies, including billing statements, account breakdowns, and any default or charge-off notices. After my dispute was filed with the credit bureaus, AMEX was legally required under 1681s-2(b) to perform a thorough reinvestigation and provide the results. To date, no documentation or method of verification has been provided, and the information continues to be reported as-is, in violation of 1681i(a)(6).\n\nMoreover, the reporting of severely derogatory payment history and charge-off status without proper verification or updated status violates the requirement to ensure maximum possible accuracy under FCRA 1681e(b). The inconsistencies between bureaus and lack of reinvestigation documentation also suggest willful disregard of the consumers rights under federal law, resulting in material damage to my credit standing.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have a federal student loan with NELNET that Ive been making payments towards to lower the amount. On my credit reporting it shows my payment history is only XXXX XXXX due to unknown during the time of the student loan Forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: ME

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
This letter is a formal complaint and demand for immediate resolution regarding the unauthorized, inaccurate, and damaging reporting of negative items on my credit file following the XXXX data breach. My personally identifiable information was compromised in this breach, and I am now facing serious consequences from accounts fraudulently opened or misattributed to me. 

These entries include, but are not limited to : Charge-offs Collections Late payment histories They appear under the names of institutions including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. These accounts are being reported inaccurately and have not been verified in accordance with the law. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

15 U.S.C. 1681i : Consumers are entitled to re
investigation and removal of unverifiable data.

15 U.S.C. 1681s-2 : Data furnishers may not report inaccurate information knowingly.

15 U.S.C. 1692cc : Debt collectors may not communicate disputed or unauthorized accounts. 

Fair and Just Resolution Demanded : I am requesting the immediate and permanent removal of the following from all major credit bureaus ( XXXX XXXX XXXX XXXX XXXX : All charge-off accounts All collection accounts All late payments associated with disputed or fraudulent entries Given the clear and present connection between these negative items and the XXXX breach, I believe this demand is both fair and necessary to restore my financial standing. 

I reserve the right to pursue litigation for damages under the FCRA and FDCPA if these inaccuracies are not corrected within 30 days. 

Please confirm receipt of this letter and provide written documentation of all actions taken to resolve this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
On XX/XX/year>, I requested my annual credit report to Equifax Credit Reporting Agency. 
On XX/XX/year>, they sent me a letter requesting proofs of my address and social security number. I sent them to them. 
On XX/XX/year>, they sent me again requesting same documents. I sent them to them again. 
On XX/XX/year>, they sent me a exact same letter requesting exact same proof again. 
They are not answering my request for my credit reports. My driver license I sent them do not have the word 'Unit ' before my unit number. Equifax seems to claim that my address is not correct because of the letters 'Unit '. They are trying to give me a hard time to give out my own credit report they made on purpose. The credit report they generated is mine and they must let me know when I request it. Please take legal action against Equifax 's wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Having a difficult time of getting a few hard inquiries removed from my Experian credit report. Their system will not allow for dispute online, and when attempting to call, you can never get through due to very long hold times. On the XXXX occasions I was finally able to get through, the calls would " mysteriously '' a drop while trying to get things resolved. All I am trying to do is dispute and get the following XXXX hard inquiries removed from my report as they appear to have occurred during a period in which I experienced identity fraud : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Account : Portfolio Recovery Associates Original Creditor : XXXX XXXX XXXX  XXXX. 
Account # : XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe proper notification was sent, please provide a copy of the certified mail and return receipt bearing my signature. If you can not provide this, I am formally requesting that account # XXXX be deleted from my credit report immediately. Failure to comply may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I have been in contact with Rushmore every business day speaking to multiple representatives each time and often being " disconnected '' after left on hold for over an hour. Rushmore sent me notice that they looked into the issue and did find my loan should be reported to the credit bureaus but they have not reported it. I have a house closing pending this, it was originally scheduled for XX/XX/year> then pushed to XX/XX/year> and now will have to be pushed back again. This is proving to be very expensive for me as we have a per-occupancy agreement in which I am paying XXXX/day rent. Rushmore assures me they will report it but can not tell me when or expedite the process.

The should have been reporting this from the start of my loan transfer, they acknowledged that and now I need this to show on my credit report. At the very least, if they could tell me when it will be reported so I could take that into consideration with rescheduling my closing. 

In addition to the XXXXday per-occupancy fee, I have a lot of money invested in this home purchase that I will lose should the sellers decide to not extend my contract. 

This was Rushmore 's error- they are required to report this mortgage to the credit bureaus, they acknowledged that and there is no follow-up to make this right on their end. There has also been no communication or customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America restricted online access to my account on XX/XX/2025 and refused to tell me why or gave me any notice as to why they made their decision.

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 2025-06-30 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: FL

Complaint narrative:
XXXXtheses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5'

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 2025-06-30 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:
XXXXtheses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5'

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