vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXith lates reported as 30 days and 60 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracy with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-18 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: IN

Complaint narrative:
I am submitting a follow up complaint toThe absence of a XXXX suggests that the debt has not been officially canceled, and the creditor XXXX still be attempting to collect. Continued negative reporting without formal cancellation or active collection efforts is misleading and harmful to my credit standing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} Additionally, I request that the following inquiries be removed from my file in accordance with FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IN

Complaint narrative:
I am submitting a follow up complaint toThe absence of a XXXX suggests that the debt has not been officially canceled, and the creditor XXXX still be attempting to collect. Continued negative reporting without formal cancellation or active collection efforts is misleading and harmful to my credit standing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} Additionally, I request that the following inquiries be removed from my file in accordance with FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-18 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: TX

Complaint narrative:
I dispute this account as the balance is inaccurate due to creditor calculation errors. The creditor failed to properly credit {$230.00} in sale proceeds and added excessive costs totaling {$590.00} above reasonable amounts. Investigation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXXday statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX Original Creditor : XXXX XXXX Balance : {$0.00} XXXX & XXXX Original Creditor : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-18 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: GA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXXday statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX Original Creditor : XXXX XXXX Balance : {$0.00} XXXX & XXXX Original Creditor : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: NY

Complaint narrative:
1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of the information they report.

1681i : Upon notice of a dispute, the bureau must conduct a reasonable investigation within XXXX days and delete or correct any inaccurate or unverifiable information.

1681s-2 : Furnishers of information ( creditors/collectors ) are prohibited from reporting information they know or should know is inaccurate.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from making false or misleading representations and from using unfair or unconscionable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with lates reported as 30 days and 60 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracy with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: VA

Complaint narrative:
Companies involved : PayPal , Inc. ( digital wallet ) and Synchrony Bank ( issuer of the PayPal Mastercard ) Amount in dispute : {$770.00} eBay item name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Transaction : Purchase of a XXXX wide-angle camera lens on eBay from user XXXX Outcome so far : eBay, PayPal, and Synchrony Bank denied my dispute/chargeback despite clear evidence the item was never delivered to me. Synchrony has re-billed me the full {$770.00}. 

Summary of the problem ( what happened and why Im complaining ) : I purchased a XXXX wide-angle camera lens for {$770.00} from eBay seller XXXX ( a new account created from XXXX less than a month before my purchase ). The seller never shipped the item to me. Instead, they messaged me directly stating they would provide unrelated tracking to eBay for this transaction and instructed me to track my actual package on a third-party website I had never seen before. I immediately contacted eBay and was told not to worry.

The item never arrived. I filed an eBay claim, but eBay sided with the seller without properly reviewing the sellers messages or the tracking details. I then disputed the charge with PayPal and Synchrony Bank ( issuer of the PayPal Mastercard ). Both denied my dispute. 

When I asked Synchrony Bank why, their representative told me the item was delivered to your address, and provided the same tracking number the seller had already told me was unrelated to my package. That tracking shows a shipment from an XXXX XXXX XXXX in XXXX, Washington that was delivered to a completely different address, to a different recipient name, and signed by a third person I do not know. Despite receiving this evidence, PayPal and Synchrony still sided with the seller and re-charged me {$770.00}. I have been trying to resolve this for over three months.

Why this is unfair/ what I believe went wrong : The seller admitted they were providing unrelated tracking and told me to use a third-party website a clear red flag they never shipped my item.

The tracking PayPal/Synchrony relied on was not from XXXX sellers address, not for/ to my address, not in my name, and not signed by me. 
PayPal ( as the digital payment intermediary ) and Synchrony Bank ( as the card issuer ) failed to conduct a reasonable investigation of my dispute and relied on irrelevant tracking to deny my claim, charging me for goods I never received.

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 2025-08-18 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: MN

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXXXXXX XXXX-2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MN

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXXXXXX XXXX-2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN 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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I'm a victim of identity theft and I need my name removed from ChexSystems INC immediately!.

A person pretending to be a legitimate employer stole my identity by creating an LLC in my name than hacked into my personal checking account depositing fraudulent checks.

I demand that my name be cleared from the database immediately!!!!.

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 2025-08-18 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: NY

Complaint narrative:
I am disputing the accuracy of late payment information reported on my XXXX account ending in XXXX. 
Equifax currently lists a 30-day late payment and includes comments such as dispute resolved ; consumer disagrees. These notations are misleading and violate FCRA 607 ( b ), which requires maximum possible accuracy. Reporting an account as both disputed and derogatory without verifiable proof of delinquency is inaccurate.

Under FCRA 611 ( a ), I am requesting a reinvestigation of the reported late payments. If XXXX  can not provide documented proof, FCRA 611 ( a ) ( 5 ) requires that all late payment notations be deleted.

Please provide the results of your reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
I am disputing the accuracy of late payment information reported on my XXXX account ending in XXXX. 
Equifax currently lists a 30-day late payment and includes comments such as dispute resolved ; consumer disagrees. These notations are misleading and violate FCRA 607 ( b ), which requires maximum possible accuracy. Reporting an account as both disputed and derogatory without verifiable proof of delinquency is inaccurate.

Under FCRA 611 ( a ), I am requesting a reinvestigation of the reported late payments. If XXXX  can not provide documented proof, FCRA 611 ( a ) ( 5 ) requires that all late payment notations be deleted.

Please provide the results of your reinvestigation within 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 non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I was contacted by active advantage via email and informed that I was signed up for a 30 day trial of thier services and would be charged {$99.00} annually after, I had not signed up for thier services. I emailed them informing them I had not signed up for their services. Upon looking them up I found previous complaints and a class action lawsuit for scam activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation