vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

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 2025-11-12 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: NV

Complaint narrative:
I am sending this complaint to dispute the following accounts in my credit report file, XXXX XXXX  Account # XXXX Balance : {$8500.00} | Status : Charged Off | Last Activity : XX/XX/XXXX, XXXX account is reporting inaccurate charge-off details. I am disputing the balance and the status as it appears I was actively making payments during part of the period it was reported delinquent. Additionally, there is a discrepancy in reporting dates between different entries for this same account. Please verify the account status, balance, and payment history with the original creditor and update or remove the entry as appropriate. XXXX Account # XXXX : {$9300.00} | Status : Charged Off | Last Activity : XX/XX/XXXX, XXXX am disputing the accuracy of this charge-off account. The payment history contains errors, and the balance being reported does not align with the actual repayment terms. I request verification of the high balance, amount past due, and payment records. If accurate validation can not be provided, please remove this account from my credit report. To whom it may concern, It appears that my credit with you has been compromised. I was going through my records & noticed Charge off accounts which does not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which is found to be opened due to identity theft. The disputed accounts does not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts from my file. If you feel there is a possibility these accounts belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX my XXXX equipment financing account. Autopay was active, but XXXX  failed to process my payment due to a possible XXXX  or bank error, per their representative. My account was marked past due in error, and I have since paid the full balance of {$1800.00}. 

I have contacted XXXX  multiple times, including supervisors ( XXXX ) and other reps, and was promised a U.S.-based callback within XXXX hours, which never occurred. XXXX  refuses to confirm the correction in writing and has not updated the credit bureaus. 

I am requesting that XXXX  correct or delete the inaccurate past-due reporting and confirm my account is paid in full and current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Ive been getting calls from Portfolio Recovery for the past 3 years. Ive paid all my collections between XXXX - XXXX through the mail they sent through postal. I paid each of the ones that matched my credit report at that time. 

They stopped for a year and started to call again in XXXX every day since then. Each time I ask they give me a different amount. 

I have ran multiple reports all showing 0 collections, and Im not sure what to do at this point if they dont insist on stopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a couch at XXXX for {$6000.00} on XX/XX/XXXX during their XXXX XXXX sale. They were offering a 0 % interest rate for 12 months, so we decided to take advantage of it. I was approved for the card, through Synchrony Bank, on XX/XX/XXXX and was never told that I would be paying a 34 % interest rate on the FULL purchase amount, {$6000.00}, if I did not pay off the FULL balance within 12 months. 
I set up an account with Synchrony Bank, once I received the first statement in the mail, which I immediately linked to my checking account to have payments auto deducted, on a monthly basis. I set up my monthly payments to match what I would need to pay off my balance within 12-13 months, at $ XXXXmonth. I was never told that I would be charged {$1700.00} in XXXX, XXXX if this balance was not paid off. I was absolutely taken aback when I had a balance of {$550.00} left to pay off in XXXX on my account, and yet I received an email statement saying my balance was {$2300.00}. I thought for sure this had to be a mistake. I had stopped receiving paper statements and was set up for auto monthly payments, so I never even checked online to view my account balance, I trusted that I was ok, and in good standings. I contacted Synchrony on XX/XX/XXXX to notify them of my concern and to inquire about removing this astronomical interest rate that I was charged. I had been paying $ XXXXmonth, with only {$550.00} left to pay off, how could this be real? an interest charge of {$1700.00}? I continued to be transferred to 3 different : account managers '' who all told me the same thing, there was nothing they could do for me. The last account manager I spoke with said that I will receive a call back later in the day by someone who was above her status, but of coarse I never did. I am hoping to get this resolved and that Synchrony will do the right thing to rectify the situation.

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 2025-11-12 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: 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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX --  Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX  -- Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX  -- Balance : {$530.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$2300.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$3200.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$4200.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED 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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I received an original call from all three of the companies attempting to collect debt ( SOFI, XXXX XXXX and XXXX ) after signing up for a debt relief program thru XXXX XXXX XXXX XXXX and provided each collector the number for XXXX XXXX XXXX XXXX They called me on MULTIPLE occasions leaving voicemails which I have since deleted. They sent me letter which all were provided to XXXX XXXX after they continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
these companies I did not consent or authorize my personal information to get hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
these companies I did not consent or authorize my personal information to get hard inquiries

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 2025-11-12 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: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against TransUnion, Equifax, and Experian for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes, these credit bureaus have continued to report inaccurate and unverifiable information on my credit reports. It has been well beyond the legally allowed time for a reinvestigation, yet no valid documentation or verification method has been provided to justify the continued reporting of the disputed information. 

Their actions violate several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a statement of the method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

The credit bureaus have also failed to provide : Any documentation used to verify the disputed items. 

The method and procedures relied upon in the verification process. 

The names and contact information of the furnishers involved. 

These failures have resulted in ongoing harm to my credit reputation and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

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 2025-11-12 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This is collection on my credit report and I need it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 am submitting this complaint and formal dispute as a concerned consumer to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and to demand the immediate deletion or correction of inaccurate, unverifiable, and potentially fraudulent information being reported on my credit profile.

Under FCRA 602 ( a ), every consumer has the right to fair and equitable treatment regarding the collection, dissemination, and use of credit information. Furthermore, FCRA 611 ( a ) grants me the right to dispute any information on my credit report that can not be verified for accuracy or completeness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
google wallet connected to XXXX XXXX XXXX credit cards over last year had theft fraud scams identity theft bought and sold XXXX XXXX products electronics smart XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and apps need to stop payment credit refunds on XXXX dollars

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 2025-11-12 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: FL

Complaint narrative:
I am sending to provide a detailed and chronological account regarding the late payments reported on my credit report for the accounts listed below, with the intention of ensuring that my credit history is accurate, complete, and reflective of the true circumstances surrounding each account, and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information reported by consumer reporting agencies be accurate, complete, and verifiable, and further provides that I, as a consumer, have the right to dispute any information that appears to be incomplete or inaccurate and to have the credit bureau investigate such disputes in a timely manner. 

XXXX XXXX XXXX Balance {$210.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> late XXXX, 60 days XXXX XXXX Balance {$440.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> late 30 days

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 2025-11-12 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from 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 non-monetary relief
Consumer complaint received 2025-11-12 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: CT

Complaint narrative:
The accountant is inaccurate false reporting to credit bureaus stating my personal information without my 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 2025-11-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The accountant is inaccurate false reporting to credit bureaus stating my personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOC Financial DBA Mi Gente
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and my ss # you have? XXXX XXXX So when it got repoed at first, I have it all on camera. Their tow company ripped my bummer off. When I brought it to their attention. I had my auto insurance do a quote with the amount of damage he caused. They had no signs in office in such a shady place where my car impounded. I kept asking for their policy name and number. Ignored they are updating it. So I paid to get it out that time stupidity but I didnt want my credit to go bad. Ive financed mycjeep before and never late and great credit. So I went to Fl and they must of been watching me bc I was a day late and they came to Fl and repoed it. I volunteered for them to please take it. They cause so much damage then the car is worth. So chalk it up. They took my license plates and went through all kinds of tolls and now my license is suspended bc of it. The car was XXXX, it was well paid off. Just look at their statements figures. Also they go by 3 different company names. Its crazy! I need this loan off my credit and be done.They owe me and Im willing to just keep the car bc I dont want it with it dragging bummer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
I have not received any response from the Bureaus. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief