vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern, I am writing to express my deep frustration and disappointment with the way my account situation was handled by Synchrony Bank. I have been a responsible customer, and I submitted my payment as required. However, the payment was marked as rejectedeven though I received an email with the payment confirmation But I never received any email, phone call, or notification from the bank informing me of any issue. Actually, I have received one email saying We recently attempted to mail information regarding your XXXX XXXX / SYNCB account to the mailing address we have on file. However, the communication was returned as undeliverable. This not means for me any information about issues on payment. 

When I contacted customer support, no one could explain why my payment was returned. I was told repeatedly that they had no information. Despite this, my account was closed without allowing me any opportunity to resolve the situation or correct anything. I was not warned, I was not informed, and I was not assisted. This is unacceptable. What troubles me the most is that this situation could have damaged my credit over an extremely small amountsomething I attempted to pay on time. I relied on Synchrony Bank to communicate with me properly, and that did not happen at any stage. 

All I am asking for is very simple : please reopen my account. That is all I want. I am not asking for anything more than the opportunity to continue my account in good standing. I paid what I owed, I followed the rules, and I was never notified of any problem by the bank. I respectfully request that you review this matter, correct whatever error occurred on your side, and allow my account to be reinstated. I just want to resolve this in a fair and reasonable way. 

Thank you for your time and attention.

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 2025-11-24 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MA

Complaint narrative:
I am disputing the following information on my Equifax credit report. These accounts and inquiries appear inaccurate or unverifiable : Charged Off Accounts XXXX XXXX, XX/XX/XXXX, {$880.00} CREDIT XXXX XXXX, XX/XX/XXXX, {$940.00} Hard Inquiries ( No inquiries listed for Equifax ) Late Payments XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I am disputing the accuracy and completeness of the account and inquiries listed below. Please conduct a proper investigation and provide verification from the original creditor.

Charged Off Accounts XXXX XXXX, XXXX Date Open/Status : XX/XX/XXXX Balance : XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 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: OR

Complaint narrative:
XXXX XXXX I XX/XX/XXXX/2025 /XXXX  XXXX Account Number : XXXX /XXXX  XXXX Account Number : 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Subject : Fraudulent Personal Loan Account Dispute Dear : XXXX XXXX EXPERIAN I am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft. 

Below are the details of the fraudulent account : Loan Account Number : XXXX * * * * Loan Amount : {$43000.00} Date Opened : XXXX/2017 Reporting Institution : experian I request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt. 

Attached are copies of the following documents to support my claim : A copy of my government-issued ID A police report or FTC Identity Theft Report ( if available ) A recent utility bill or other proof of residence Any other relevant documentation Please confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent. 

Thank you for your prompt attention to this serious matter. 

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
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Paracetamol letter from TSI, they are collecting on behalf of an old XXXX  credit card. My main issue is that they called my college aged daughter to ask about the debt after they sent me a letter and told me I had a month to write to them to request the records Specifically related to the debt. They called repeated times in a single day to her phone number. When I asked the company about it, they said oh we use numbers that may be associated with you in order to get in contact with you. I told them to remove her number because she was a minor and not to be contacted as she was never listed on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: MS

Complaint narrative:
This account is under litigation and the balance is incorrect. I need this account closed and removed from my credit report immediately thank you.

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 2025-11-24 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
I initially made payments directly to Car Financial. Later, the dealer instructed me that I could make the remaining payments directly to them, and I followed that instruction. I continued making payments to the dealer on multiple dates until the full balance of the vehicle loan was paid.

After completing the payments, the dealer provided documentation showing that I was up to date and had fully satisfied the debt, and they also released and delivered the vehicle title to me.

However, the dealer did not report these payments to Car Financial. As a result, Car Financial is still reporting negative information on my credit history, even though the debt has been fully paid.

When I contacted Car Financial by phone to request that they correct my account, I was told that the situation was " illegal '' and that I would need to make an additional payment of at least {$2000.00} in order for the debt to be removed from my credit, even though the loan was already paid in full. I believe this response is improper and not aligned with the actual status of the account.

I am filing this complaint so that Car Financial updates my account records to reflect that the loan has been fully paid and removes any negative reporting associated with this account from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am disputing the accounts and information below. These entries show inconsistent dates, balances, or reporting patterns that may indicate inaccurate reporting.

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$410000.00} XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am filing this complaint because Experian continues to report past due information that is impossible, unsupported, and directly contradicted by the payment history they have on file. I have disputed this account for over a year and Experian has still not corrected a very clear and documented error. 

The XXXX account shows every single month as OK in XXXX own payment grid, which means no missed payments ever occurred. Despite that, Experian is still reporting a past due XXXX and a past due XXXX on an open account. It is not possible under Metro2 rules for an account to show OK history and also show past due codes at the same time. These codes conflict with each other and should have been corrected a long time ago. 

Under federal billing laws, a past due status must be supported by an actual billing statement and proper delinquency notice. Experian has never provided any proof from the furnisher to support a past due balance. Without legally required billing records, these late payments can not be verified. 

XXXX  has already deleted this account completely because they could not verify the information. XXXX  updated their reporting and corrected the issue as well. Experian is the only bureau still reporting false past due information and continues to ignore the evidence that is already inside their own file. 

This issue is no longer about a simple inaccuracy. I have completed XXXX dispute rounds since XX/XX/year> and Experian has repeatedly failed to conduct a lawful reinvestigation. Their responses never address the contradictions, never reference the payment history grid, and never include any supporting documentation from the creditor. Instead they repeat the same generic response, even though the information they are publishing contradicts the data they 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