vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint against Experian, Transunion and Equifaxfor failing to comply with the Fair Credit Reporting Act (FCRA).\n\nOn XXXX XXXX XXXX I submitted a written dispute to Experian requesting the deletion of three inaccurate and unverified accounts from my credit report. These accounts are:\n\t1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX\n\nTo date, I have not received any written response, investigation results, or confirmation of deletion from Experian. It has been more than 30 days since my original dispute letter, and no action has been taken.\n\nUnder the FCRA, credit bureaus are required to investigate consumer disputes and respond within 30 days. Experians failure to respond is a direct violation of my consumer rights and has caused unnecessary delays and stress.\n\nI have also reached out to the creditors associated with these accounts, and none have provided verifiable proof that I opened them. These accounts remain unverified and should have been removed in accordance with the law.\n\nI am requesting that the CFPB investigate this matter and ensure that Experian is held accountable for its non-compliance with federal law. I would also like these unverified accounts removed from my credit file immediately.\n\nThank you for your assistance.'

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 2025-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a promotional financing plan through Synchrony Bank via XXXX XXXX. I was clearly told by the store representative that my payments would be structured to pay off the full balance within 18 months and avoid deferred interest. 

In XX/XX/XXXX, I entered into a promotional financing agreement with Synchrony Bank through XXXX XXXX XXXX XXXX XXXX XXXXXXXX deferred-interest offer ). At the time of purchase, the XXXX XXXX representative verbally assured me that the monthly payments would be structured to fully satisfy the balance within the promotional period and avoid any deferred interest. 

I relied on that explanation and made consistent on-time payments totaling {$2600.00} by XX/XX/XXXX. At no point was I told, either by the merchant or the bank, that the monthly amount being automatically paid would be insufficient to meet the full promotional balance. I was never provided with a clear or proactive warning as the expiration date approached. 

In XX/XX/XXXX, over {$1600.00} in deferred interest was suddenly applied to my account. This was a surprise, given that I followed all payment instructions in good faith, and believed I was meeting the conditions to avoid interest. While I now understand that the credit card statements may have included fine print disclosures, the way this plan was communicated and implemented constitutes at minimum a failure to clearly disclose material terms, and possibly negligent misrepresentation.

I contacted Synchrony Bank multiple times, including submitting a written dispute via fax. I requested a review of my account and offered to pay the remaining ~ {$1200.00} balance immediately, if the deferred interest was removed. My request was denied, and I was told nothing could be done because the promotional term had expired.

I am now seeking a fair resolution based on my consistent payments, good faith reliance on the merchants explanation, and the banks failure to provide effective warnings or payment guidance. I respectfully request that the deferred interest be removed and that I be allowed to close the account by paying the remaining principal only.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Despite multiple written requests, all three major credit reporting agencies -- Equifax, Experian, and TransUnion -- have failed to remove outdated, incorrect, or incomplete personal identifying information from my credit file. This includes previous addresses I no longer reside at and old or incorrect employer and name variations not associated with me. 

Details by Credit Bureau : 1. Equifax I sent Equifax a written dispute on [ insert date ] requesting the deletion of the following outdated addresses that no longer apply to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax continues to report these outdated addresses, which do not reflect my current or recent residence. Under FCRA 607 ( b ), Equifax is required to maintain accurate and up-to-date information.

2. TransUn
ion I sent a similar letter to TransUnion dated XX/XX/XXXX requesting the removal of outdated and incorrect addresses, including : - XXXX XXXX XXXX XXXX XXXX MO XXXX ( missing apartment number ) - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX - " XXXX XXXX XXXX XXXX XXXX XXXXncomplete entry ) XXXX. Experian I lastly sent a similar letter to Experian to remove the following outdated address : - XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX ALSO to remove the following incorrect employer entry : - XXXX XXXX  ( Date Updated : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Despite multiple written requests, all three major credit reporting agencies -- Equifax, Experian, and TransUnion -- have failed to remove outdated, incorrect, or incomplete personal identifying information from my credit file. This includes previous addresses I no longer reside at and old or incorrect employer and name variations not associated with me. 

Details by Credit Bureau : 1. Equifax I sent Equifax a written dispute on [ insert date ] requesting the deletion of the following outdated addresses that no longer apply to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax continues to report these outdated addresses, which do not reflect my current or recent residence. Under FCRA 607 ( b ), Equifax is required to maintain accurate and up-to-date information.

2. TransUn
ion I sent a similar letter to TransUnion dated XX/XX/XXXX requesting the removal of outdated and incorrect addresses, including : - XXXX XXXX XXXX XXXX XXXX MO XXXX ( missing apartment number ) - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX - " XXXX XXXX XXXX XXXX XXXX XXXXncomplete entry ) XXXX. Experian I lastly sent a similar letter to Experian to remove the following outdated address : - XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX ALSO to remove the following incorrect employer entry : - XXXX XXXX  ( Date Updated : XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I was informed by my bank when I went to apply for a loan that I already had an outstanding loan by the company Net Credit. I reached out to the company to inform them that they have the wrong person and they refuse to deal with me other than trying to get payments from me for a loan I did not take out. Someone had stolen my identity but was paying on the loan and then subsequently stopped and it was reported on my credit report. They have the name of the company who took out the loan and I can verify that it is not me but they are not trying to help me clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
I am submitting this formal dispute regarding an inaccurately reported bankruptcy case id # XXXX that remains on my credit report. I have taken the necessary steps to investigate the origin of this entry and have discovered that it is unverified and improperly maintained. 

I have contacted the court of record, and I am in possession of a letter from the United States Bankruptcy Court explicitly stating that they do not verify or report bankruptcy information to any credit reporting agencies. This confirms that the original source of the record is not responsible for its presence on my credit file. 

Furthermore, I filed a dispute with XXXX, and they have since removed the bankruptcy record from their system, acknowledging that they are not the source of the reporting. This is critical, as XXXX is a primary provider of public records data to credit bureaus. Its removal from their records further proves the bankruptcy is unsupported by any verifiable public data source. 

Despite this, the credit bureau continues to report the bankruptcy and failed to verify it upon my request. Instead of providing any documentation or legitimate verification, they simply mailed me a new credit report that still included the disputed bankruptcy. This does not meet the requirements for a proper reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ).

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 2025-06-15 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: MO

Complaint narrative:
I am submitting this formal dispute regarding an inaccurately reported bankruptcy case id # XXXX that remains on my credit report. I have taken the necessary steps to investigate the origin of this entry and have discovered that it is unverified and improperly maintained. 

I have contacted the court of record, and I am in possession of a letter from the United States Bankruptcy Court explicitly stating that they do not verify or report bankruptcy information to any credit reporting agencies. This confirms that the original source of the record is not responsible for its presence on my credit file. 

Furthermore, I filed a dispute with XXXX, and they have since removed the bankruptcy record from their system, acknowledging that they are not the source of the reporting. This is critical, as XXXX is a primary provider of public records data to credit bureaus. Its removal from their records further proves the bankruptcy is unsupported by any verifiable public data source. 

Despite this, the credit bureau continues to report the bankruptcy and failed to verify it upon my request. Instead of providing any documentation or legitimate verification, they simply mailed me a new credit report that still included the disputed bankruptcy. This does not meet the requirements for a proper reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ).

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 2025-06-15 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: CO

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance und

er 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im conf
used why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT.

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 2025-06-15 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: MoneyLion Inc.
State: FL

Complaint narrative:
MoneyLion Inc . 

Subject : Failure to Validate Alleged Debt Demand to Cease Collection and Remove from Credit Reporting Reference : Alleged Account # XXXX XXXX To Whom It May Concern, This letter is in reference to a previous communication from your company regarding an alleged debt you claim I owe. I sent you a timely Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, requesting that you provide evidence of the debt, including but not limited to : a full breakdown of all interest, fees, and charges A copy of any agreement bearing my signature Documentation that you or your agency is legally authorized to collect this debt As of today, you have failed to provide proper validation. Under FDCPA, until you validate the debt, you may not pursue any collection efforts or report it to any credit reporting agencies. Therefore, your failure to comply constitutes a violation of federal law. 
You are hereby instructed to : Cease all collection activities related to this account. 
Immediately remove any derogatory information you or your agents have reported to any credit bureaus. 
Confirm in writing that this account has been closed and removed from all credit reporting agencies. 
If you continue to attempt collection without validation or fail to remove the unverified debt from credit reports, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I will also consider legal remedies available to me under the FDCPA and FCRA.

This letter serves as formal notice that no further communication regarding this alleged debt will be accepted except to confirm its removal or to provide full validation as originally requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I discovered multiple hard inquiries listed on my credit reports with Equifax, Experian, and TransUnion that I did not authorize, nor do I have any existing accounts or applications with these companies. These inquiries negatively impact my credit score and were made without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ) 604.

I submitted formal written disputes to each of the three credit reporting agencies, requesting deletion of the following unauthorized inquiries and demanding reinvestigation. Each bureau failed to properly remove these inquiries or provide documented evidence of my consent or a permissible purpose for accessing my credit report. 

TransUnion inquiries disputed ( all dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Each of these inquiries should be verified by the bureaus with documented proof of a permissible purpose or written authorization otherwise, they are required to be removed. The bureaus either failed to properly reinvestigate or continued reporting the inquiries without providing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
I purchased my car from Vroom, which shut down shortly after. Before closing, Vroom transferred the loan back to themselves under United Auto Credit. 
The drivetrain has failed three times in under a year. It is currently broken and unsafe to drive. 
I have made repeated attempts to seek repairs or resolution, but both the lender and authorized XXXX dealers are stalling or ignoring me, a tactic I believe is being used to run out the factory warranty. 
After filing a small claims case against XXXX for fraudulent service work, I discovered that the vehicles title had been washed, concealing a history that should have qualified the car as a lemon under state or federal law. 

This situation appears to involve : Fraudulent concealment of vehicle history Deliberate stalling to bypass warranty obligations A possible coordinated scheme between lender, manufacturer, and dealership network, especially considering Vrooms shutdown and internal asset transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
I have attached documents pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equinox -My name ( spelling ) and address and dept owed was reported is wrong and needs to be removed off my credit its not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a XXXX  document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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