vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SYNCB/CARE CREDITs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SYNCB/CARE CREDIT has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

SYNCB/CARE CREDIT 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 2025-10-10 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 noticed a fraud account opened due to the data breach hack from the credit bureau

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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 2025-10-10 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: ID

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-10-10 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: OH

Complaint narrative:
am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) due to confirmed identity theft and data exposure, which has resulted in inaccurate and fraudulent reporting across all three credit bureaus TransUnion, Experian, and Equifax. 

I have already filed a complete FTC Identity Theft Report through IdentityTheft.gov and submitted documentation including : Proof of my identity and address A XXXX XXXX breach notification letter dated XX/XX/XXXX, confirming my name and SSN were exposed A TransUnion breach letter confirming that my information was also compromised through their system Screenshots of inaccurate tradelines and reporting errors across all three bureaus Despite meeting all legal requirements under 605B, TransUnion failed to block and delete fraudulent and inaccurate information within four ( 4 ) business days and instead re-verified a XXXX  and multiple tradelines. 

The following accounts continue to be reported incorrectly or fraudulently across one or more bureaus : XXXX XXXX XXXX XXXX Closed XX/XX/XXXX ; still reporting inaccurately XXXX Closed XX/XX/XXXX ; marked derogatory despite {$0.00} balance XXXX XXXX XXXX Balance {$16000.00} ; inconsistent or false late-payment reporting XXXX  Closed XX/XX/XXXX with {$0.00} balance ; still marked XXXX Days XXXX  and Derogatory False XXXX Re-verified by TransUnion in violation of 605B ( b ) These entries are either inaccurate, obsolete, or the result of identity theft exposure from the referenced data breaches. All three credit bureaus are required under FCRA 605B, 611, and 623 to block, delete, or correct these items

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
requested account information has not been received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, TransUnion, and Equifax contain multiple inaccurate, unverifiable, and outdated negative entries in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These reports include false charge-offs, collection accounts, and federal student loan entries that are either inaccurate, not properly validated, or should have been removed. Specifically, accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are being reported as charged-off or delinquent even though they were closed, resolved, or lack verified documentation from the original creditor.

Additionally, my federal student loans ( Department of Education / XXXX ) are still being reported even though I am a 100 % service-connected XXXX veteran. Under the Higher Education Act ( 20 U.S.C. 1087 ( a ) ) and 34 C.F.R. 685.213 ( b ), I am legally entitled to a Total and Permanent Disability ( TPD ) discharge, which cancels all federal student loan obligations. These loans should have been fully removed from my credit file and not reported in any capacity.

The credit bureaus are reporting these items inaccurately and have failed to ensure maximum possible accuracy as required by FCRA 607 ( b ). Continued publication of these errors after formal dispute constitutes willful noncompliance under FCRA 616617.

I am requesting a full reinvestigation and permanent deletion of all inaccurate and unverifiable accounts, along with updated, corrected credit reports sent to me in writing.

I have attached copies of my dispute letter, credit reports, and VA XXXX verification for review.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Their investigation did not fix an error on my credit report

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 2025-10-10 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:
Their investigation did not fix an error on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute inaccurate, misleading, and unverifiable information being reported on my Equifax, Experian and TransUnion credit report regarding the account XXXX  XXXX, which reflects a reported balance of {$3500.00} and an alleged 30-day late payment in XX/XX/year>. This late payment entry is inaccurate and inconsistent with the verified payment history for this account, and therefore must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: MI

Complaint narrative:
I filed a dispute with Experian on XX/XX/year> regarding a collection account reported by XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ). I uploaded the same documentation to Experian that I submitted to XXXX, which resulted in XXXX  deleting the account. 

Experian closed my dispute in XX/XX/year> ( Dispute # XXXX ) with only a generic notice stating that the furnisher certified the information, and the account still shows the notation Account information disputed by consumer ( Meets requirement of the FCRA ). 

Experian has not provided the Method of Verification required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and therefore appears not to have conducted a reasonable reinvestigation as required by 611 ( a ) ( 1 ) ( A ). 

I am requesting that the CFPB require Experian to either : Provide the full verification procedure used ( including the name, address, and phone of the party who verified the data ), or Delete the XXXX account from my Experian credit report if adequate documentation was not obtained. 

Please see attached screenshots showing Experians reinvestigation complete notice and the dispute reference 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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I signed a retail installment contract with XXXX XXXX XXXX for tax resolution services, which was later financed through United Consumer Financial Services ( UCFS ). Although I signed the contract, I never received any services or assistance from XXXX XXXX  No tax work was performed, no filings were made, and no communication was provided regarding my case. 

In XXXX, UCFS began withdrawing money from my bank account without proper authorization and reported a delinquency to the credit bureaus, which caused my credit score to drop by over XXXX points. I immediately disputed the account and mailed certified Debt Validation and Cease Communication letters to both UCFS and XXXX XXXX on XX/XX/XXXX. Both letters were received and confirmed by USPS. 

UCFS responded by acknowledging the account but failed to provide documentation proving that XXXX XXXX  delivered any services. They only sent a payment summary and continued to report the account as delinquent. On XX/XX/XXXX, UCFS closed my initial CFPB complaint, claiming their reporting was accurate, despite never validating the debt or confirming that services were rendered. 

This account remains on my credit reports, falsely showing as open and delinquent. I am requesting that UCFS and XXXX XXXX : 1. Cease all collection activity. 
2. Refund all unauthorized withdrawals ( approximately {$3500.00} ). 
3. Remove all inaccurate and damaging credit reporting with XXXX XXXX XXXX XXXX 

I have attached certified mail receipts, correspondence, and all supporting documentation for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, an in-person charge for {$160.00} posted at XXXX # XXXX, XXXX, XXXX  to my Discover credit card. I did not authorize this purchase. I had my card in my possession and was at work from XXXX XXXX  that day ( timecard punches available ). 

I reported the fraud promptly. Discover credited XXXX of several fraudulent transactions but denied this XXXX charge, claiming a chip was used. I asked for a reinvestigation and submitted proof ( work timecard ). Today I mailed a formal FCBA billing-error notice via certified mail and uploaded the same documents via secure message. I am paying the rest of my statement except the disputed amount while this is pending. 

The companys denial relies on chip used as proof of authorization even though I was at work and had the card. Im requesting CFPB assistance to ensure a reasonable investigation and correct application of consumer protections for unauthorized use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Inaccurate Information in My Credit Report Under 15 USC 1681c-2 Dear XXXX  : I am writing to formally dispute inaccurate information on my credit report as per my rights under 15 USC 1681c-2 , which allows for specific protections in cases of inaccuracies potentially due to identity theft. 

The disputed entries include : XXXX. XXXX XXXX : Account Number : Ending in XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Derogatory with a balance of {$190.00}. 
XXXX. XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$270.00} as of the last report on XX/XX/XXXX. 
Responsibility : Indicated as individual, with no original creditor specified. 
XXXX. CREDITACPT : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Derogatory with a balance of {$0.00}. 
Account Type : Auto Loan Responsibility : Joint These accounts are marked with adverse statuses that I believe are inaccurately affecting my credit score. In accordance with the protections under FCRA section 1681c-2, I am requesting verification of these accounts or their removal should they not be confirmed as accurately mine.

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 2025-10-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unauthorized/Inaccurate Hard Inquiries Request for Investigation Under Civil Liability for Negligent Noncompliance Dear CFPB, I am filing this formal complaint to dispute several unauthorized and inaccurate hard credit inquiries that have appeared on my Experian credit report. These inquiries were not authorized by me, nor do I have any existing or pending business relationship with the listed companies. 
Pursuant to XXXX XXXX  XXXX XXXX, these entities may be held civilly liable for negligent noncompliance in obtaining or reporting inquiries without proper authorization or permissible purpose. Their actions have negatively affected my credit profile and exposed me to potential financial harm. 
Below are the disputed inquiries : 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 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  Requested Relief : Removal of the above inquiries from my Experian credit report. 


Investigation into the companies listed for potential violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXXXXXX XXXX XXXX. 


Confirmation in writing of the resolution of this complaint. 


I have attached screenshots of my Experian credit report that document these inquiries for your review. 
Thank you for your prompt attention to this matter. Please contact me if further information or documentation is needed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unauthorized/Inaccurate Hard Inquiries Request for Investigation Under Civil Liability for Negligent Noncompliance Dear CFPB, I am filing this formal complaint to dispute several unauthorized and inaccurate hard credit inquiries that have appeared on my Experian credit report. These inquiries were not authorized by me, nor do I have any existing or pending business relationship with the listed companies. 
Pursuant to XXXX XXXX  XXXX XXXX, these entities may be held civilly liable for negligent noncompliance in obtaining or reporting inquiries without proper authorization or permissible purpose. Their actions have negatively affected my credit profile and exposed me to potential financial harm. 
Below are the disputed inquiries : 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 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  Requested Relief : Removal of the above inquiries from my Experian credit report. 


Investigation into the companies listed for potential violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXXXXXX XXXX XXXX. 


Confirmation in writing of the resolution of this complaint. 


I have attached screenshots of my Experian credit report that document these inquiries for your review. 
Thank you for your prompt attention to this matter. Please contact me if further information or documentation is needed. 
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