vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
Subject : Immediate Blocking Request Identity Theft Accounts Reinserted Illegally I am filing this complaint to report that credit reporting agencies have reinserted fraudulent accounts and hard inquiries that were previously blocked and removed due to identity theft. 

This reinsertion occurred without the legally required written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits re-insertion of deleted information unless the information is certified by the furnisher and the consumer is notified within five ( 5 ) business days.

I am once again contesting and demanding the immediate blocking of these accounts and inquiries under 15 U.S.C. 1681c-2, which mandates that credit reporting agencies block identity theft information within four ( 4 ) business days of receiving an identity theft report. 

I have provided FTC Identity Theft Report Numbers : XXXX / XXXX as supporting documentation. 

The following accounts were previously deleted but have been illegally reinserted and must be permanently blocked and removed without further delay : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding that the CFPB ensure these credit reporting agencies : Permanently block and delete the accounts and related inquiries within four ( 4 ) business days, as required by law.

Provide written confirmation of the actions taken.

Cease any future reinsertion of this fraudulent information unless they comply strictly with the reinsertion procedures under 1681i ( a ) ( 5 ) ( B ).

The unlawful reinsertion of these accounts has caused significant damage to my credit, resulting in credit denials and financial harm. I expect immediate regulatory intervention to enforce full compliance with the Fair Credit Reporting Act.

All supporting evidence ( FTC Reports, prior deletion proofs ) has been attached to this complaint.

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 2025-10-07 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: TX

Complaint narrative:
I have been disputing these accounts for over two years and the credit bureaus ( Experian, Equifax, and TransUnion ) continue to report inaccurate, unverifiable, and nonMetro 2 compliant data in violation of FCRA 607 ( b ) ( duty of accuracy ), 611 ( a ) ( failure to reinvestigate ), and 609 ( a ) ( failure to provide documentation ).

Despite multiple certified disputes, the furnishers have not produced verifiable proof of debt, payment history, or signed contracts. Therefore, these accounts are legally unverified and must be deleted under the Fair Credit Reporting Act. 

The following tradelines are being falsely reported : XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Conflicting High Credit ( {$31000.00} TU vs {$7100.00} EQF ), contradictory Date of Last Activity and Payment ( XX/XX/XXXX vs XX/XX/XXXX ), and false OK payments after charge-off. This violates FCRA XXXX ( b ) and XXXX XXXX accuracy guidelines. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Credit differs ( {$31000.00} XXXX XXXX {$9600.00} EQF ). Equifax lists false positive payments after charge-off, and the account was re-aged to XXXX activity despite no payments since XXXX. Violates FCRA 607 ( b ) and 623 ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX XXXX Balance and status differ across bureaus ( {$1200.00} EQF vs {$3000.00} TU vs {$0.00} EXP ). Payment history is missing and the account shows dispute resolved without proof of reinvestigation. Violates FCRA 611 ( a ). 
XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Account was sold/transferred and balance is {$0.00}, but still reports as a charge-off. A transferred account can not legally report a charge-off under FCRA 623 ( a ) ( 5 ). 
XXXX. XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX sold to a third-party collector, yet still reports as a charge-off with a {$0.00} balance. Continued derogatory reporting by the original creditor is misleading and unlawful under FCRA XXXX ( b ). 

Each of these tradelines contains false or unverifiable data and continues to harm my credit profile and reputation. Because no valid evidence has been provided after repeated disputes, these items are required by law to be deleted.

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 2025-10-07 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Summary of the Issue : I am filing a complaint against Synchrony Bank, the issuer of the XXXX XXXX XXXX, for improperly handling and denying my valid dispute regarding an XXXX order in which I received the wrong item. 

Details of the Transaction and Dispute : Merchant : XXXX / XXXX : XXXX ( Authorized Dealer ) Item Ordered : XXXX XXXX Multi-Reticle Enclosed Aluminum Solar Charging Optic Order Date : XX/XX/year> Order Number : XXXX Purchase Amount : {$390.00} ( Total charged : {$420.00} with tax ) Payment Method : XXXX XXXX XXXX XXXX in XXXX ( issued by Synchrony Bank XXXX Return Request Approved : XX/XX/year> Refund Initiated by Seller : XX/XX/year> for {$420.00} XXXX filed a dispute with Synchrony Bank because I received the wrong item and wanted to ensure proper credit was applied. The seller confirmed and approved the return, and a refund was initiated on XX/XX/year>. I submitted all required documentation, including XXXX chat logs, screenshots confirming the refund, and proof that the seller had processed the return correctly. 

Despite providing clear evidence, Synchrony Bank denied my dispute on XX/XX/year>, and stated I was responsible for the disputed charges. This decision is inconsistent with the evidence and unfairly holds me liable for an item that was not as described and for which a refund was already approved by the merchant. 

Why This Is a Violation : Synchrony Bank failed to properly investigate my dispute under the Fair Credit Billing Act ( XXXX ), which requires creditors to conduct a reasonable investigation of disputed billing errors and to remove charges that are incorrect or unsupported by the merchant. I provided documentation showing that the refund was processed and the return approved by XXXX and the seller, yet Synchrony Bank denied my claim without justification or transparency.

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 monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account that your organization has reported. This collection entry has appeared without any prior communication or advance notice from your agency informing me of this alleged obligation. Additionally, I have substantial concerns and serious questions regarding the legitimacy and accuracy of this claimed debt. Under the provisions of the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish comprehensive validation documentation and take necessary steps to resolve this disputed matter.

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

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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

Complaint narrative:
I am writing to file a formal complaint regarding several inaccurate, unverifiable, and misleading entries appearing on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my good faith efforts to resolve these errors directly with the furnishers and credit reporting agencies, the information below continues to be reported inaccurately, causing severe damage to my creditworthiness, financial standing, and personal reputation. 

Accounts in Dispute : XXXX XXXX XXXX XXXX  Account # XXXX Reported late payments despite lack of proper verification. 

XXXX XXXX Account # XXXX Reported late payments without supporting documentation. 

XXXX XXXX XXXX XXXX Multiple accounts ( # XXXX, # XXXX, # XXXX, # XXXX ) Reported as charge-offs and late payments, but XXXX XXXX has failed to provide proper validation XXXX accurate records. 

XXXX XXXX XXXX Account # XXXX Reported late payments even though balance shows {$0.00}, which is contradictory and misleading. 

XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX These inquiries were made without my authorization, constituting a violation of FCRA and unfairly lowering my credit score. 

Legal Concerns : These furnishers and CRAs have failed to provide adequate validation of the debts under FCRA 609 and continue to report inaccurate information in violation of FCRA 607 ( b ), which requires maximum possible accuracy. 

Continued reporting of unverifiable, outdated, or contradictory data is reckless, harmful, and misleading to future creditors. 

The unauthorized inquiries from XXXX represent an impermissible use of my consumer report in violation of FCRA 604. 

Requested Action : I respectfully request the CFPB to : Investigate each of the disputed accounts and inquiries listed above. 

Require the furnishers and credit reporting agencies to immediately delete or correct all inaccurate, unverifiable, and unauthorized information. 

Ensure compliance with the FCRA, including civil liability for continued violations. 

Provide me with written confirmation of the results of this complaint. 

I am attaching supporting documents, including copies of my credit reports with the disputed accounts highlighted, along with my correspondence attempts with the furnishers and CRAs. 

This inaccurate reporting has significantly harmed my ability to obtain credit, housing, and financial opportunities. I urge the CFPB to take swift and decisive action to enforce compliance with federal law and protect my consumer rights.

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

Complaint narrative:
I am submitting this complaint to the CFPB regarding a credit reporting agency that has failed to properly investigate my disputes and continues to report inaccurate information.

The agency is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681, Section 602 ( A ) : affirms my right to privacy in credit reporting.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : states that a consumer reporting agency can not furnish or maintain any account information without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : prohibits reporting adverse information older than seven years, other than criminal convictions.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : makes it unlawful for furnishers to report or continue reporting information they know or have reason to believe is inaccurate.

I have already disputed these items directly with the bureau, yet they have failed to conduct a proper reinvestigation or remove the inaccurate and outdated information. Their continued reporting and refusal to comply appear to be willful violations of the FCRA. 

Please see the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXXXXXX - {$9800.00} ( ACCOUNT # XXXX ) UPGRADE XXXX - {$3700.00} ( ACCOUNT # XXXX ) XXXX XXXX XXXXXXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX {$0.00} ( ACCOUNT # XXXX ) XXXXXXXX XXXX  - {$5300.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am personally initiating this dispute to challenge inaccurate delinquency marks that have appeared on my credit file. After conducting a careful examination of my credit report, I have identified these erroneous late payment entries that need immediate correction. My previous correspondence submitted more than XXXX days ago has gone unanswered, and no adequate verification has been furnished to substantiate these disputed negative items. I am seeking your direct involvement to quickly and effectively resolve this credit reporting error.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Im stating my concerns in regards to my Chime Account on handling disputes and recent CFPB Lawsuit on Significant issues with the platform. Despite using Chime numerous and reporting discrepancies, my financial institution and Chime has failed to investigate into my claims adequately. They informed me that recovering stolen or lost funds was impossible and tracking the transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is very unacceptable and raises concerns about consumers security and safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to express my concerns of Zella handling of disputes particularly in light of the recent cfpb lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting discrepancies. my financial institution failed to investigate My claims adequately they informed me that recovering loss funds was impossible, And that tracking these transactions were unfeasible. The CFPB findings indicated that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: LA

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 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.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.

Company response to consumer: Closed with explanation