vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15U.S.C. 1681 ). I believe that companies and third party company 's accessed or reported information to credit reporting agencies without my consent or permissible purpose ( 1681b ).

This led to inaccurate and negative entries on my credit report. When I applied for a car loan on my application was denied ( or I was offered significantly less favorable terms ). This constitutes an adverse action under 1681a ( k ).

I timely disputed the entry via ALL CRA 's dispute process under 1681i, but the information was neither corrected nor removed within 30 days. I was not informed if the furnisher certified the accuracy of the disputed item.

As a result, I have suffered actual harm : denial of credit, increased cost of borrowing, and damage to my credit score. I respectfully request CFPB to investigate and direct appropriate remedial actions, including removal of the erroneous entries and enforcement of FCRA compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccurate late payment information that is being reported by the credit bureaus. The following accounts are reporting 30-day delinquencies which I believe to be incorrect or unverifiable : 1. XXXX Reported late by Experian 2 . XXXX XXXX XXXX XXXX  Reported late by Experian and TransUnion XXXX. XXXX XXXX XXXX Reported late by Experian and XXXX  I requested verification and supporting documentation for these derogatory marks, including payment histories, due dates, and any communication sent notifying me of delinquencies. I have not received sufficient evidence to support the continued reporting of these late payments. 

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau or data furnisher can not verify an accounts accuracy, they are required to remove it. I am requesting the CFPB investigate these matters and have the negative entries removed if they can not be fully validated. 

These inaccuracies are negatively impacting my creditworthiness and were not resolved through direct contact with the reporting agencies.

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 2025-07-26 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: NJ

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. After carefully reviewing my report, I noticed an inquiry that I did not authorize.

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 2025-07-26 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: MI

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and discovered a collection account reported by XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) with a balance of {$460.00} and a status of Collection/Chargeoff as of XX/XX/year>. 

I do not recall opening this account or entering into any agreement with XXXX XXXX or XXXX. I have never received documentation validating the legitimacy of this debt. There is no signed contract, billing statement, or verification that this debt belongs to me. 

Additionally, the account is missing several key reporting elements : No monthly payment or credit limit information No repayment timeline or record of activity No documentation justifying the collection or charge-off status This appears to be unverified and potentially inaccurate reporting, which violates my rights under : FCRA 611 Right to dispute and reinvestigate FCRA 623 Responsibility of furnishers to ensure accurate reporting FCRA 602 ( A ) Obligation for maximum possible accuracy in 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has illegally reinserted negative accounts that were previously removed due to identity theft. I was not notified within 5 business days which violates FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). This also breaches 605B And 623 ( a ) ( 6 ) as the accounts were linked to identity theft with valid reports on file. This is willful noncompliance and i demand a full investigation. I will escalate to FTC, State AG, AND PURSUE LEGAL ACTION UNDER FRCA 616-617 IF NOT RESOLVED. Thank you Accounts : XXXXXXXX XXXX XXXX amount {$16000.00} XXXX amount {$1100.00} XXXX XXXX  XXXX  amount {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Transworld systems initiated charging me for additional service fees for debts already settled in XXXX of XXXX. I was charged additional fees after satisfying all debt with them by them debiting my tax return. I have not used the account for any purchases. I called to ask what the additional fees were for and the service rep stated that there were fees that had not been calculated at the time of debiting my tax return. That is not my problem and since this is a government account I can not close it. So Transworld systems on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX took advantage of this and decided to tag on charges after satisfying the debt. This is unfair credit and lending practice and I am disputing it the amount owed as of XX/XX/XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I was approved for SCRA benefits with Ally Financial in XX/XX/XXXX, and the protection was applied retroactively to the start of the loan. As part of this approval, Ally refunded me {$1300.00} for interest and fees that accrued while I was on XXXX XXXX. This acknowledgment confirms my eligibility under the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937, which limits interest and prohibits financial penalties on pre-service obligations during periods of XXXX XXXX. 

Despite this, Ally continues to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit bureaus. These delinquencies occurred while I was covered under SCRA protections and should not be reported as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers must ensure the information they report is complete and accurate. Reporting delinquencies while refunding related fees under SCRA is both inconsistent and misleading, and results in unjust harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
On XXXX XX/XX/year>, Robinhood locked my account with huge amounts of cash thats being transferred into the account. It doesnt allow me to make trades or move my funds, which is very unreasonable. 
I have urgent need of these funds and need them to be resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
RE : Complaint Against Experian for Failure to Remove Inaccurate and Legally Disputed Accounts I am filing this formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. 
Despite multiple dispute attempts and formal written notices, Experian continues to report numerous inaccurate and unverifiable accounts on my credit file. This includes, but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off with no signed agreement or verification - Lentegrity - Reported as repossessed without proof of deficiency balance or repossession notice XXXX XXXX XXXX XXXX XXXX  Account marked as resolved but continues to show with negative status XXXX XXXX XXXXXXXX XXXX XXXX ) - Reported late or charged-off without contract or billing history XXXX XXXX XXXX XXXX XXXX, Actively XXXX XXXX XXXX XX/XX/year> yet still appears. The also states that it is sold and not updated properly XXXX  XXXX XXXX - Charged-off with no supporting documentation XXXX XXXX XXXX XXXX XXXX  Actively in litigation since XX/XX/year> yet still appears as a charge-off on my credit file Under FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), the bureau is required to ensure maximum accuracy and conduct proper investigations. They have failed to do so. 
Furthermore, the continued reporting of the XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX active litigation may represent willful noncompliance and defamation under FCRA 623 and 1681n. 
I am requesting immediate enforcement action, investigation into this credit bureau 's practices, and permanent deletion of the aforementioned derogatory accounts. 
Sincerely,

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 2025-07-26 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Continued Dispute and Demand for Full Validation Account Ending in XXXX To Whom It May Concern, This letter serves as a formal notice of continued dispute regarding the alleged debt associated with account number XXXX, originally with XXXX XXXXXXXX XXXX ( XXXX ), XXXX, and now claimed by Portfolio Recovery Associates , LLC ( PRA ). 

Although you provided some documents in response to my prior dispute, you have not provided sufficient documentation to validate this debt under the requirements of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). The documentation you sent which includes a billing statement and a generic sale notice does not constitute full legal validation.

To satisfy legal debt validation, I am requesting the following : 1. A copy of the original signed contract or application bearing my signature.

2. A full itemized account history from the date the account was opened until charge-off, showing all payments, interest, fees, and charges.

3. A copy of the purchase agreement or assignment showing PRA has legal rights to collect on this specific debt, not a generic bulk purchase statement. 
4. A sworn affidavit from a competent witness from XXXX XXXX verifying the accuracy of the debt and your legal right to collect it. 

To date, none of the above have been provided. Therefore, the documentation you sent is insufficient and does not prove that I am liable for this debt, nor that you have the legal right to collect on it. 

This account remains in dispute. I request that you immediately cease reporting this account to any credit bureaus until complete validation is provided. Continued reporting of this disputed debt without proper validation violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue further legal action or escalate complaints to regulatory authorities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact XXXX  parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 


This agency is in violation of 15 USC 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 this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account, and sed out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collection Practices Act 15USC 1692g violations XXXX. Fair Credit Reporting Act 15 USC Fair Debt Collection Practices Act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ] Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ACCOUNT- XXXX XXXX XXXX am writing to dispute a charged-off account on my credit report. The account is listed without an account number which makes it impossible for me to verify it's validity or confirm it belongs to me. I've also requested a 1099 C form and never received it.

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 2025-07-26 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15U.S.C. 1681 ). I believe that companies and third party company 's accessed or reported information to credit reporting agencies without my consent or permissible purpose ( 1681b ).

This led to inaccurate and negative entries on my credit report. When I applied for a car loan on my application was denied ( or I was offered significantly less favorable terms ). This constitutes an adverse action under 1681a ( k ).

I timely disputed the entry via ALL CRA 's dispute process under 1681i, but the information was neither corrected nor removed within 30 days. I was not informed if the furnisher certified the accuracy of the disputed item.

As a result, I have suffered actual harm : denial of credit, increased cost of borrowing, and damage to my credit score. I respectfully request CFPB to investigate and direct appropriate remedial actions, including removal of the erroneous entries and enforcement of FCRA 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I have attached the formal complaint letter I mailed to Synchrony on XX/XX/XXXX for reference and more detail as to what happened. 

A brief overview is as follows : I am filing a complaint against Synchrony Bank regarding a {$1200.00} retroactive interest charge that was added to my promotional financing loan ( account ending in XXXX ) in XX/XX/XXXXXXXX  without proper notice or clear disclosure of the terms that triggered it. 

Approximately two years ago, I obtained what was presented as a {$2000.00} promotional loan through Synchrony, which I now understand included a deferred interest clause. However, I was not adequately informed that failure to pay the full balance by a specific deadline would result in interest being charged retroactively from the start of the loan. This key term was either poorly disclosed or misleadingly presented at the time of account setup. 

I enrolled in Synchrony 's AutoPay system, made all scheduled payments on time, and had the balance reduced to approximately {$800.00} when the interest was suddenly added. I received no prior communication or alert regarding the interest charge. If I had known this would occur, I would have paid off the balance immediately I had sufficient funds available at all times. 

When I called Synchrony on XX/XX/XXXX, to dispute the charge and request payoff, the customer service representative disconnected my call mid-discussion, and I was also told it would take 30 days to access a copy of my loan agreement which I had requested immediately in order to verify the terms. The lack of documentation access, poor service, and absence of proactive communication raise serious concerns about fair lending practices and transparency. 

I have acted in good faith, paid on time, and only failed to pay the full amount by the deadline due to lack of clear communication and apparent misleading information about penalties. I am requesting the CFPB to investigate this matter and assist in obtaining a fair resolution. I have not received any response from Synchrony regarding any of my requests, and this greatly distresses me as a customer who has worked hard to fulfill their terms and remain in good standing. 

Thank you so much for your assistance, and if any more information is required, I will happily oblige. 

Sincerely, 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