vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Upon review of my report, I have noticed the following discrepancies that I believe are inaccurate or incomplete, and I respectfully request that they be investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ) : High Credit Listed as {$0.00} I recall using this account during the time it was open, and I believe a balance was carried at some point. Reporting a high credit of {$0.00} may be incorrect. 

Number of Months ( Terms ) = XXXX This does not reflect the actual length of time the account was active, and may misrepresent my credit history.

Payment Status = " Current '' Since this account is reported as paid and closed, the payment status should accurately reflect that. " Current '' typically refers to open accounts in good standing, which does not apply here.

These inconsistencies may affect my credit profile and scoring. I respectfully request that your bureau verify this information with the furnisher ( Synchrony Bank ) and update or correct it where necessary. Please provide me with the results of your investigation and a revised copy of my credit report.

Thank you for your prompt attention to this matter in accordance with the FCRA. I look forward to your response within the 30-day window allowed by federal 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 explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX\nDate of Birth: XXXXLAST 4 OF SSN: XXXXn\nXXXXn\nEquifax\nPO BOX XXXXnXXXX  GA XXXX\nRE: Formal Dispute of Inaccurate XXXX-Day Late Payment Reporting  Request for Correction\nTo Whom It May Concern,\nI am writing to formally dispute the reporting of a XXXX-day late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act (FCRA).\nAccount Name: XXXX\nAccount Number: XXXX\nReported Error: (date unspecified see images) - XXXX-Day Late Payment\n\n\nThis loan was previously under administrative XXXX  during the XXXX  student loan payment pause, and I was under the good faith belief that it remained in XXXX  or XXXX  status at the time the reported late payment occurred. \nI did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred.\nUp until this error my Credit Report has shown On Time payment, even in the month prior to the XXXX Day Late Payment status, which directly contradicts the claim that I was XXXX  days XXXX  in XXXX/XXXX. Logically, if I was truly XXXX  days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately.\nI am requesting that the XXXX-day late payment notation for XXXX be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting.\nPlease conduct a reasonable investigation into this matter. If the furnisher cannot verify that I was properly notified of due dates and XXXX, and if the timeline of late payments cannot be supported by factual documentation, the XXXX  mark must be corrected or deleted.\nPlease provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed.\nSincerely,\XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NV

Complaint narrative:
I looked at my XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. Also some accounts have been settled and reporting as charged off and still reporting as OPENED. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX apartments Account name : Opportunity Financial Account XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX * XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX Collection XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. The information also is reporting as open when its been settled and charged off please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-16 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: NJ

Complaint narrative:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-16 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year>XXXX  I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I did my research, I know the credit bureaurs have 30 days to reply back and they haven't. I feel the credit bureaus are trying to take advantage of my by ignoring my disputes I took time to send to them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly or I will file litigation do to the stress and XXXX  you caused me, My information was impacted by by date breaches and may have gotten into the wrong hands I am begging to help at this point.

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 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am filing this complaint against SoFi Bank, N.A. for failing to protect me from a fraudulent financial transaction in late XXXX  into early XXXX. I used my SoFi account to deposit funds into a XXXX XXXX account under false pretenses. I was misled by a crypto-related scheme disguised as a legitimate investment, which I later learned was fraudulent. 

SoFi asked me about the transaction, and I honestly confirmed I submitted it. However, the funds were transferred under fraudulent inducement meaning my consent was not valid. SoFi then treated the transaction as authorized and denied responsibility.

XXXX ultimately flagged the activity, closed the account, and returned only {$2100.00}. My original deposits through SoFi were never refunded. 

Ive issued a formal notice to SoFi demanding full records, fraud logs, and restitution. This complaint is to ensure regulatory oversight and to support that request. 

Im requesting a re-investigation, a full accounting of the deposits, and the return of unrecovered funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received a call from this number XXXX stating he was from the Experian fraud dept. And someone was trying to use my account to apply for a loan. I told him I would contact Experian direct. I checked my account and no one inquired on my account. This was a fraudulent number

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I am disputing multiple citations XXXX is attempting to collect from me in connection to traffic violations from XXXX XXXX, XXXX dating back to XXXX. Several of these were already partially paid through XXXX XXXX payment partnership, but XXXX has failed to provide any ledger, record, or documentation of those payments. 
I sent a formal dispute and deletion request via certified mail, asking for validation of the debt. I have not received any response. The reported balances do not reflect payments already made. 
Additionally, some of these debts are more than XXXX XXXX XXXX and should not be actively reported or collected under FCRA limitations. 
XXXX actions have interfered with my access to government services, including tag renewal, and they are in violation of FDCPA and FCRA statutes. I am requesting the immediate deletion of all accounts tied to this matter and that an investigation be initiated into their collection and reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was awarded a {$5000.00} judgment in California XXXX XXXX XXXX against Experian due to their negligence in handling my credit reporting disputes, which began in XX/XX/year>. The court found Experian liable for failing to properly investigate or respond to my disputes, causing XXXX XXXX XXXX XXXX XXXX XXXX 

Experian appealed the decision, and the appeal was denied. The judgment was upheld. Despite over XXXX months passing since the final ruling, Experian has failed to pay the {$5000.00} as ordered by the court. This is a direct violation of a legal judgment and undermines the authority of the California judicial system. 

Worse, the inaccurate and XXXX  items I initially disputed still remain on my credit reports, nearly a year later, causing ongoing XXXX  to my credit, financial opportunities, and peace of mind. This is not only contempt of court but also a continuing violation of the FCRA. 

I am now preparing to initiate private arbitration to pursue additional damages due to XXXX willful noncompliance, prolonged financial injury, and emotional distress. 

XXXX also getting in contact with the ceo cfo and hr of Experian to let them know that Experian legal team is not doing their job. This has been an ongoing factor of for almost a year.

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 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There was a balance of XXXX on my credit report and inquiries that are not mine and a result of identity theft I submitted everything to the collector they say that they removed the balance as a result of fraud however the credit bureaus still reflect a balance from XXXX XXXX XXXX aka XXXX and the several inquiries that dont belong to me on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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