vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I submitted a lawful tender in the form of a Promissory Note to The Huntington National Bank, intending to use it to settle a debt. The instrument was fully supported by relevant documentation under UCC and other applicable financial laws. However, the bank

refused to process the payment, citing that the instrument was invalid. I then escalated the matter to the Office of the Comptroller of the Currency ( OCC ), providing all necessary documentation. The OCC responded by dismissing the instrument as worthless without conducting a thorough investigation or providing valid reasons for its rejection. This response from the OCC failed to address the legality of the tender, leaving me in a position where I can not resolve the matter through traditional channels. 

I am seeking a formal investigation into the banks refusal to process or honor my tender, as well as a review of the OCCs handling of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, NC XXXX XXXX ) XXXX XXXX XX/XX/year> Equifax P.O. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, XXXX am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have not used my credit for over 10 years but is now attempting to build it. Upon checking my credit reports, Ive found unauthorized/unknown accounts. Ive had multiple instances of theft, including cells, cars, phones and purses, which likely led to my information being compromised. Ive received calls from bill collectors and a lawsuit for a debt I was unaware of. Additionally, my income taxes were improperly filed, requiring me to use an identity pin to prevent future fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am writing to dispute a 3059 day late payment reported by Ally Financial on my auto loan. The delinquency occurred during a period in which I experienced a medical hardship due to a motorcycle accident. I contacted Ally at the time and was placed on a catch-up or hardship payment plan, which Ive been following. 

Since I was under an approved agreement and making good-faith efforts to resolve the account, I respectfully request that the late payment be removed or adjusted to reflect the circumstances. Under the Fair Credit Reporting Act, credit reporting must be accurate and reflect the full context of a situation. Reporting this account as late while a formal plan was in place is misleading and does not represent my true payment behavior or intentions. 

Please investigate this and update the account accordingly. I have documentation of the hardship and payment arrangement if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I had a XXXX XXXX from XXXX XXXX XXXX XXXX I got behind on payments and they offered me a settlement for 60 % of my balance. The offer was made on XX/XX/XXXX and was valid until XX/XX/XXXX. My balance was {$1300.00}. They called me on XX/XX/XXXX and the account was settled for {$800.00}. Exactly 60 % of the balance. They then came back and reported my account delinquent from XX/XX/XXXX to XX/XX/XXXX when they sold it to XXXX credit for {$820.00}. I have tried numerous disputes with XXXX XXXX XXXX XXXX Both have denied my efforts even when given clear evidence of the offer made by them and my payment. I have the email sent to me on XX/XX/XXXX with the offer and I have receipt of payment to XXXX XXXX on XX/XX/XXXX. I will be attaching copies of both.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
I had a mercury card from XXXX XXXX XXXX XXXX. I got behind on payments and they offered me a settlement for 60 % of my balance. The offer was made on XX/XX/XXXX and was valid until XX/XX/XXXX. My balance was {$1300.00}. They called me on XX/XX/XXXX and the account was settled for {$800.00}. Exactly 60 % of the balance. They then came back and reported my account delinquent from XX/XX/XXXX to XX/XX/XXXX when they sold it to XXXX XXXX  for {$820.00}. I have tried numerous disputes with XXXX XXXX XXXX XXXX. Both have denied my efforts even when given clear evidence of the offer made by them and my payment. I have the email sent to me on XX/XX/XXXX with the offer and I have receipt of payment to XXXX XXXX on XX/XX/XXXX. I will be attaching copies of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX / XXXX XXXX XXXX to Equifax on my Credit Card account ( ending in XXXX ) for the dates XX/XX/year>. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
This failure to correct the inaccurate information violates the FCRA, the Truth in Lending Act ( TILA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-05-07 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 am disputing an inaccurate late payment reported by XXXX / XXXX XXXX XXXX to Equifax on my Credit Card account ( ending in XXXX ) for the dates XX/XX/year>. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
This failure to correct the inaccurate information violates the FCRA, the Truth in Lending Act ( TILA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX, and XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-07 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: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I received a letter from Synchrony Bank informing that a dispute claim was opened in my behave. The letter state " We're working to resolve this matter as quickly as possible and will let you know the outcome ''. 

I was not aware of the documentation to send and nature of my case, I explained the Synchrony 's Agent an oral explanation of situation thinking it would sufficient. 

On XX/XX/year>, I received this letter that that dispute was resolved with NO further explanation. I have not received no further information besides this letter. 

Claim # XXXX XXXX XXXX, Your dispute claim in the amount of {$9400.00} has been closed on XX/XX/year>. We have concluded our investigation based on the information provided and have declined the dispute. You are responsible for the disputed charges. A resolution letter with additional information has been sent to you. You should receive it within the next 7-10 business days. 
We appreciate your business and hope you continue to enjoy your CARECREDIT / SYNCHRONY BANK. 
Your Synchrony Customer Care Team We're here to help

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute information on my credit report that I believe is inaccurate and misreported, which is negatively impacting my credit profile. 

The account ( s ) in question are reported by XXXX XXXXXXXX XXXX : Account 1 : XXXX This account is listed as charged off with a past due amount of {$490.00}, yet the Times 30/60/90 Days Late is reported as 0/0/0. 
Additionally, the account is still showing missed payments well into XXXX, which I believe is inaccurate. 

Account 3 : XXXX This account was closed in XX/XX/XXXX, yet the Date of Last Activity is listed as XX/XX/XXXX. 
This appears to be inaccurate or an illegal re-aging of the account, which violates FCRA Section 605 ( c ).

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 2025-05-07 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:
I am writing to formally dispute information on my credit report that I believe is inaccurate and misreported, which is negatively impacting my credit profile. 

The account ( s ) in question are reported by XXXX XXXX XXXX : Account XXXX : XXXX This account is listed as charged off with a past due amount of {$490.00}, yet the Times 30/60/90 Days Late is reported as 0/0/0. 
Additionally, the account is still showing missed payments well into XXXX, which I believe is inaccurate. 

Account 3 : XXXX This account was closed in XX/XX/XXXX, yet the Date of Last Activity is listed as XX/XX/XXXX. 
This appears to be inaccurate or an illegal re-aging of the account, which violates FCRA Section 605 ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute information on my credit report that I believe is inaccurate and misreported, which is negatively impacting my credit profile. 

The account ( s ) in question are reported by XXXX XXXX XXXX : Account 1 : XXXX This account is listed as charged off with a past due amount of {$490.00}, yet the Times 30/60/90 Days Late is reported as XXXX. 
Additionally, the account is still showing missed payments well into XXXX, which I believe is inaccurate. 

Account 3 : XXXX This account was closed in XX/XX/XXXX, yet the Date of Last Activity is listed as XX/XX/XXXX. 
This appears to be inaccurate or an illegal re-aging of the account, which violates FCRA Section 605 ( c ).

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 2025-05-07 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: VT

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 non-monetary relief