vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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 writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Account Details : Creditor : XXXX XXXXXXXX Account Number : XXXX Status : Paid in full Issue : Derogatory late payments reported after full payment This reporting is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq, which mandates that : All information furnished to consumer reporting agencies must be complete and accurate ( FCRA 623 ).

Consumers have the right to dispute any item on their credit report that is incomplete, inaccurate, or misleading ( FCRA 1681i ).

The furnisher and the credit reporting agencies must conduct a proper investigation and remove any unverifiable or erroneous data within 30 days.

Continued reporting of inaccurate information may constitute willful noncompliance under FCRA 616, making the reporting party liable for damages. 

Reporting late payments on an account that has been fully paid misrepresents the actual standing of the account and misleads potential lenders. It reflects poor compliance and a lack of adherence to consumer protection laws by XXXX XXXX. This not only impacts my credit score unjustly but also violates my legal rights.

Action Requested : XXXX. XXXX investigation into XXXX XXXX reporting practices regarding my account ( XXXX ). 
XXXX. Full removal of all late payment history associated with this account from all consumer credit reporting agencies XXXX XXXX  Experian, and XXXX ). 
XXXX. Confirmation that appropriate corrective actions have been taken and that XXXX XXXX  has been instructed to comply with the FCRA. 

I have made prior attempts to resolve this directly but have received no satisfactory resolution. I am attaching relevant documentation to support my case, including proof of payment and a copy of my credit report showing the derogatory marks. 

Please consider this an urgent and formal request under your enforcement authority. I respectfully request your assistance in correcting this unjust and unlawful reporting practice. I appreciate your time and attention to this matter and look forward to your swift response.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Around XXXX XXXX XXXX I purchased a XXXX bed using this finance company for their advertisement of no interest for the first 6 months and no first month payment. When I did recieve my first bill, it started interest the day I signed the contract and the billing started from that date as well. I just didnt have to make the first months payment until the second months due date, leading to a much larger bill than expected. Also, this company has NOT processed payment on the date I had set up auto pay for. I have never had this issue with any other company, but what they do is put a hold on the amount the payment is for, and then it appears that 3 days later they attempt to charge my account for the amount of the payment before releasing the hold, essentially forcing my account to double charge and bounce the payment back. and then they charge me for a returned payment fee and attempt to do the same thing again. This has resulted in me paying an additional minimum of {$250.00} in return fees and they refuse to return the fees and tell me it must be my bank. I have screen shots of my accounts showing both the payment held by them, with my synchrony account saying that the payment has been accepted, and then days later the payment being returned but multiple fees having been charged to my account. So I'm nearly a year into this and have paid hundreds more than I should have.

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 2025-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued reporting of a collection account ( XXXX XXXX Account No. ending in XXXX ) to Equifax, despite their XX/XX/year>, response to the CFPB complaint confirming that they would " cease all future communications including credit reporting. '' As of XX/XX/year>, this derogatory collection account remains present on all three of my consumer credit reports.

This is a direct violation of multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits a furnisher from reporting information known to be inaccurate.

FCRA 1681s-2 ( b ) ( 1 ) ( A ) ( E ) : Requires a furnisher to conduct a reasonable investigation and delete or correct information found to be inaccurate or unverifiable after notice of dispute. 

Fair Debt Collection Practices Act ( FDCPA ) 1692e and 1692f : Continuing to report a debt they agreed not to collect or report constitutes deceptive and unfair practices.

Relief Requested : Immediate deletion of all reporting by XXXX XXXX  XXXX from Equifax credit bureau within 4 business days.

Written confirmation that the account has been permanently removed from all credit reporting and internal collection systems.

Preservation of all internal communications and records related to the credit reporting and your response to this matter for potential federal litigation.

If not resolved within 4 business days, I will pursue a lawsuit for willful noncompliance under the FCRA and FDCPA in federal court.

The CFPB already closed my original complaint ( XXXX XXXX. XXXX ) based on the companys promise to cease reporting. That response was false or misleading and has resulted in continued harm to my credit standing, emotional distress, and ongoing time and expense attempting to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries appearing on my Experian credit report, which I did not initiate, approve, or knowingly authorize. Specifically, I am referring to the following inquiries reported on my file : XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) also on XX/XX/year>. 

These inquiries are concerning because I have not applied for credit, auto financing, or any banking products with any of these institutions during that timeframe. There is absolutely no reason why these companies should have accessed my credit file. Under 15 U.S.C. 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency such as Experian may only furnish a consumers credit report to a third party if there is a permissible purpose. These include situations where the consumer has applied for credit or has given explicit written instructions authorizing the pull. 

In this case, none of those requirements were met. There was no permissible purpose to justify the release of my credit report to any of the entities listed above. Experian has a duty under 15 U.S.C. 1681e ( a ) to ensure that inquiries and access to consumer reports are only permitted when legally appropriate. The presence of these inquiries on my file shows a breakdown in that responsibility.

In addition to the clear legal violations, these unauthorized inquiries have also negatively impacted my credit score and my ability to obtain credit on fair terms. Lenders interpret multiple inquiries within a short period as a red flag, which is completely unfair when those inquiries were not even initiated by me. These have caused real harm to my financial standing and have left me feeling both violated and frustrated.

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 2025-07-11 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Well Fargo claims refused dispute transaction XXXX XXXX of {$3600.00} on XX/XX/year>. XXXX XXXX charged me more fees without my knowledge, didn't provide return policy and also refused to return the vehicle since purchase 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 explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Creditor : XXXXXXXX XXXX Upon reviewing my credit report through Experian, I noticed the following discrepancies : : Inaccurate payment history reporting : Balance Inconsistency : Incorrect Deliquency Status

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 2025-07-10 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: FL

Complaint narrative:
Creditor : XXXXXXXX XXXX  Upon reviewing my credit report through Experian, I noticed the following discrepancies : : Inaccurate payment history reporting : Balance Inconsistency : Incorrect Deliquency Status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-10 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: AL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
my i formation had been exposed in a data breach. i am requesting the i formatuon listed in this report to be deleted immediately. 
according to USC 15 1692 c you have violated my right by inlawful communications. I AM THE OWNER OR XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, a natural living person, and the TRADE NAME. This name has been copyrighted and trademarked and you REPORTING THIS INFORMATION TO MY CREDIT REPORT VIOLATES MY CONSTITUTIONAL RIGHTS. I have been informed of the many lawsuits against experian, transunion, and equifax, and I plan to begin a litigation process where fines will be rendered for each violation of my rights shall these items remain on my credit report. i have ckntacted each agency whk has failed to provide any orginal wet ink signature contract proving that i owe any of these debts. DELETE THESE ITEMS IMMEDIATELY. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$4700.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance XXXX. 

XXXX XXXX # XXXX balance XXXX. 

XXXX XXXX XXXX XXXX {$2500.00}. 

XXXXXXXX XXXX XXXXXXXX balance {$13000.00}. 

XXXX XXXX {$20000.00} # XXXX. 
XXXX XXXX XXXX {$980.00} # XXXX. 
XXXX XXXX {$520.00} # XXXX. 
XXXX XXXX  {$280.00} # XXXX XXXX XXXX {$44000.00} # XXXX The following addresses does not belong to me XXXXXXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX DELETE IMMEDIATELY I have also attached my police report with other account that I am requesting to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
my i formation had been exposed in a data breach. i am requesting the i formatuon listed in this report to be deleted immediately. 
according to USC 15 1692 c you have violated my right by inlawful communications. I AM THE OWNER OR XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, a natural living person, and the TRADE NAME. This name has been copyrighted and trademarked and you REPORTING THIS INFORMATION TO MY CREDIT REPORT VIOLATES MY CONSTITUTIONAL RIGHTS. I have been informed of the many lawsuits against experian, transunion, and equifax, and I plan to begin a litigation process where fines will be rendered for each violation of my rights shall these items remain on my credit report. i have ckntacted each agency whk has failed to provide any orginal wet ink signature contract proving that i owe any of these debts. DELETE THESE ITEMS IMMEDIATELY. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$4700.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance XXXX. 

XXXX XXXX # XXXX balance XXXX. 

XXXX XXXX XXXX XXXX {$2500.00}. 

XXXXXXXX XXXX XXXXXXXX balance {$13000.00}. 

XXXX XXXX {$20000.00} # XXXX. 
XXXX XXXX XXXX {$980.00} # XXXX. 
XXXX XXXX {$520.00} # XXXX. 
XXXX XXXX  {$280.00} # XXXX XXXX XXXX {$44000.00} # XXXX The following addresses does not belong to me XXXXXXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX DELETE IMMEDIATELY I have also attached my police report with other account that I am requesting to be deleted immediately.

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