vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
I contacted Experian on more then one occasion to correct the wrong misleading information on my credit report I was lied to disrespected on more then one occasion trying to do this I was denied at car lot and Apt do to this and it has left me struggling to get around to meet my everyday need I got hurt at work and am limited to walking so I was go to get another car to get around because I have a boot I have to wear per my Doctor I went to get a car and we all know credit it required I called texted Experian that day and every day sense that day to correct they information on me and was denied so am still walking and as of this y injury is not healing as should be and I hold Experian credit report to blame am still in a boot no car hurting every step of the day please 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 2025-08-30 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: NJ

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
To Whom It May Concern, I am filing this complaint regarding inaccurate and potentially unlawful reporting on my Experian credit report by XXXX XXXX Department ( Account No : XXXX ). 

According to my credit file, this account is being reported as Child Support Open, {$1900.00} past due as of XX/XX/year>. However, I dispute the accuracy and completeness of this reporting for the following reasons : XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate and complete information to consumer reporting agencies. This account has previously been disputed, and despite my dispute, the information continues to be reported inaccurately. 
XXXX. Failure to Validate Debt : I have not been provided with proper validation or documentation proving that the alleged balance of {$1900.00} is accurate, up to date, and legally enforceable. 
XXXX. Harm to Consumer Credit Profile : This reporting is negatively impacting my creditworthiness and is preventing me from accessing fair credit opportunities. 

I respectfully request that the CFPB : Investigate this matter with XXXX XXXX Department and Experian. 
Require the furnisher to provide complete documentation validating this alleged debt, including a full payment history. 
If the furnisher can not provide verifiable proof, order the deletion of this inaccurate account from my credit file. 
Ensure compliance with the FCRA and take corrective action against continued reporting of unverifiable or inaccurate information. 

Please provide me with updates regarding the progress of this investigation and any findings. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Recent system changes in the last two or three weeks locked me out of my own active Paypal XXXX account, which is issued by Synchrony Bank. My online login information was no longer accepted. PayPal referred me to Synchony Bank and Synchrony Bank referred me back to PayPal, repeated many times I can not access my own financial statements and account information. 

Synchrony Bank has not restored access or explained what changed.

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 2025-08-30 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: TX

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 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 2025-08-30 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:
On XX/XX/XXXX, I mailed a dispute letter requesting them to verify inaccurate & potentially unverifiable accounts & inquires currently being reported to my Transunion ( XXXX. XXXX XXXX XXXX, PA XXXX XXXX ) credit report. As of today, XX/XX/XXXX, I have not received any response. 

On XX/XX/XXXX, I mailed a dispute letter requesting them to verify inaccurate & potentially unverifiable accounts & inquires currently being reported to my Experian ( Experian XXXX. XXXX XXXX XXXX, TX XXXX ) credit report. As of today, XX/XX/XXXX, I have not received any response. 

On XX/XX/XXXX, I mailed a dispute letter requesting them to verify inaccurate & potentially unverifiable accounts & inquires currently being reported to my XXXX  ( XXXX. Box XXXX XXXX, GA XXXX ) credit report. As of today, XX/XX/XXXX, I have not received any response.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter requesting them to verify inaccurate & potentially unverifiable accounts & inquires currently being reported to my Transunion ( XXXX. XXXX XXXX XXXX, PA XXXX XXXX ) credit report. As of today, XX/XX/XXXX, I have not received any response. 

On XX/XX/XXXX, I mailed a dispute letter requesting them to verify inaccurate & potentially unverifiable accounts & inquires currently being reported to my Experian ( Experian XXXX. XXXX XXXX XXXX, TX XXXX ) credit report. As of today, XX/XX/XXXX, I have not received any response. 

On XX/XX/XXXX, I mailed a dispute letter requesting them to verify inaccurate & potentially unverifiable accounts & inquires currently being reported to my XXXX  ( XXXX. Box XXXX XXXX, GA XXXX ) credit report. As of today, XX/XX/XXXX, I have not received any response.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX at XXXX XXXX chime called me about a transaction happening in Florida for the amount of {$790.00}. They called me again at XXXX XXXX  I missed the call. Then they called me again at XXXX XXXX  telling me that they are stopping the transaction happening in Florida and issued me a whole new chime card and account number. They told me to go transfer my savings to this new account and within minutes of me transferring my savings to this account my {$790.00} was gone. I have filed XXXX disputes to get my money back but they said I transferred my money to a friend which I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NM

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-30 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: NM

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-30 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: TX

Complaint narrative:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. as the original creditor. The account is listed as opened in XX/XX/XXXX but continues to be reported as an active collection with a past due balance of {$810.00} through XX/XX/XXXX. No supporting payment history, delinquency date, or itemized charges are provided. The tradeline only shows placed for collection and disputed by consumer ( FCRA ), yet no documentation has been produced to validate the debt. This reporting is incomplete, unverifiable, and misleading under the Fair Credit Reporting Act.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
About 3 weeks, {$410.00}, recovery for debt collection, name : XXXX XXXX XXXX XXXX, phone XXXX, my name, they say, XXXX, account ending XXXX, XXXX XXXX.I dont have any account with XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized loan issued by XXXX for a XXXX  XXXX purchase under my name. I never applied for or approved any purchase from XXXX XXXX, nor did I apply for a Buy Now, Pay Later ( BNPL ) loan through XXXX. 

Upon contacting XXXX, I was provided the following details : XXXX XXXX Order ID : XXXX XXXX  Loan ID : XXXX Loan Amount : {$1200.00} XXXX  informed me that this loan was issued using my personal information, including my name, date of birth, and residential address. However, the phone number on file with XXXX did not match mine. I made it clear that I did not authorize this loan or transaction. 

I requested XXXX to immediately investigate and freeze this loan. XXXX opened a dispute under Case # XXXX on XX/XX/year>, and I was advised the investigation could take up to 30 days. 

During this process, I discovered that the XXXX loan had been reported on my Experian credit report. I immediately filed a dispute with XXXX, and the record was successfully removed from my Experian report on XX/XX/year>. 

I am filing this complaint with your agency because my personal information and identity may have been used without my knowledge in other instances as well, potentially impacting my credit reports at other credit bureaus.

I respectfully request that your office investigate this matter further and advise me on any additional steps I should take to protect myself from further unauthorized use of my personal and financial information. 

Thank you for your attention and assistance.

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 2025-08-30 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: FL

Complaint narrative:
This is my third formal dispute concerning the XXXX XXXX accounts that Experian continues to report on my credit file. Despite my repeated disputes, reinvestigation requests, and the filing of an FTC Identity Theft Report ( # XXXX ), Experian has failed to comply with its obligations under federal law. 

By law, any information that is inaccurate, erroneous, or reported in error must be deleted from a consumers credit report. Experians refusal to remove these accounts is a serious violation of the Fair Credit Reporting Act ( FCRA ). 

Accounts Reported in Error XXXX XXXX  Account # XXXX Balance {$1600.00} XXXX XXXX Account # XXXX Balance {$470.00} Violations by Experian FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy by continuing to report erroneous data.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block and delete items after proper notice and FTC Identity Theft documentation. 

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation and delete unverifiable information.

FCRA 611 ( a ) ( 7 ) Failure to provide me with a written description of what was verified.

15 U.S.C. 1681a ( 4 ) & 1681b Violation of my privacy rights through misuse of non-public personal information.

Despite my three dispute rounds, I have not received any written verification or investigation summary, which is a direct violation of the law. 

Escalation to FTC and Identity Theft Due to Experians repeated noncompliance, I was forced to file an FTC Identity Theft Report ( # XXXX ). This step demonstrates how serious these errors are and how harmful XXXX negligence has become. 

Harm Caused Experians refusal to correct these errors has caused me : Severe emotional distress Financial harm Barriers to obtaining credit and housing This ongoing harm is unacceptable and unlawful.

My Demands Immediate and permanent deletion of both XXXX XXXX accounts from my Experian credit file. 

Written confirmation of deletion and of the reinvestigation process, including the method of verification. 

Assurance that these accounts will not be reinserted without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Notice of Escalation If Experian once again refuses to comply, I will escalate this matter beyond your agency to the Federal Trade Commission ( FTC ), the U.S. Department of Justice ( DOJ ), the Office of the Comptroller of the Currency ( OCC ), and the Florida Attorney Generals Office for stronger enforcement.

Conclusion Experians refusal to delete and block these erroneous accounts after three dispute rounds, supported by an FTC Identity Theft Report, constitutes gross negligence and willful violation of the FCRA. I demand immediate corrective action.

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 2025-08-30 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: CA

Complaint narrative:
I am writing to demand the immediate removal of a debt that has been reported on my credit file, despite it having been discharged as income under IRS guidelines. As shown in the 1099-C form I have attached, the debt has been officially canceled by the creditor, and it is no longer a liability I owe. This continued reporting of the debt as an outstanding liability is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The debt in question was discharged in the amount of {$75000.00} in, and the creditor has properly reported it as income on the attached 1099-C form for the tax year 2024. According to 15 U.S.C. 1681i of the FCRA, I am entitled to dispute and have corrected any inaccurate information on my credit report. As this debt is no longer owed, it is inaccurate and misleading to continue reporting it as an outstanding liability. This removed from the credit bureaus last year, and they put it back on.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Several accounts and hard inquiries on my credit report are not mine. I did not open the following accounts : XXXX XXXX, and the collections listed as XXXX XXXX I and XXXX XXXX XXXX No payments were made on these accounts by me. 

I also did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I previously disputed these items with the credit bureaus and requested validation of ownership, payment history, and authorization. The companies have not provided proof that these accounts or inquiries belong to me. I am requesting that these incorrect and unauthorized accounts and inquiries be investigated and 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