vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony switched over their autopay to a new system XXXX and with that, they took away payment options to keep you ahead on re-payments. You are able to schedule auto-pay but only for the minimum amount due. You can also not schedule payments in advance. Given their interest-deferred business model on many store credit lines or XXXX XXXX for health improvement, these practices are intentionally predatory to force customers to miss payments or under-pay for their loan term to increase their re-payment schedules and accrue heavy interest. 

I filed this same complaint with the company today, XXXX, but they refused to give me a complaint department number to file it on my own or to give me a reference number to check in on the status of my complaint. These means to me that my complaint will not go further than the customer service rep I was chatting with.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I filed an identity theft dispute with ChexSystems and submitted all documentation required under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], including : A valid government-issued photo ID A full FTC Identity Theft Report via IdentityTheft.gov A statement identifying the accounts and inquiries as fraudulent and unauthorized ChexSystems acknowledged receipt of my identity theft documents in a letter dated XX/XX/year>, and confirmed the reinvestigation was complete. However, they continue to report fraudulent inquiries from XXXX XXXX XXXX and XXXX XXXX. These were not authorized by me and are a result of identity theft. 

By accepting my FTC Identity Theft Report and initiating reinvestigation, ChexSystems has officially evoked my rights under FCRA Section 605B. As such, they are legally required to block and remove all fraudulent information within four business days. Their continued reportingespecially after acknowledging the disputenow represents willful noncompliance. 

Their position that I must now also provide a law enforcement-signed police report is incorrect. The FTC has clearly stated that a valid Identity Theft Report submitted through IdentityTheft.gov is fully sufficient under 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 2025-06-29 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: PA

Complaint narrative:
I am submitting this complaint due to the credit bureaus failure to uphold their responsibilities under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes regarding inaccurate and damaging information on my credit report, the bureaus failed to conduct a proper and reasonable investigation. They have continued to report these unverifiable items, which has resulted in an unjust impact on my credit score and has caused significant personal and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have contacted Portafolio recovery associates in regards to a continuous negative credit mark on my credit entered by their company I explained that I did not open said XXXX XXXX XXXXredit account on XXXX XXXX as they continue to report it. I have explained that the information they are reporting is not correct. Made dispute process through XXXX  and yet no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I was approved for XXXX credit cards, shortly after they were mailed, prior to receiving the cards I moved and notified the credit card company to cancel the cards and issue new ones to new address. During the call, address was changed and they said I would get new ones within 14 days. After weeks of no cards, I called to ask where the cards were, first person said they would arrive by XX/XX/XXXX, which never happened. The second time calling, I was informed that a fraud block was put on cards that had never been received. They said I had to fax or mail a copy of my license for proof of identity, which I did. Called back and was told my license wasn't legible. My wallet was stolen, and i sent in a picture from phone of my ID with my XXXX card in same picture which were not blocking each other and they were not accepted. They said I had to resend in a copy of legible ID. On XX/XX/XXXX I faxed in a new picture of ID and called to notify them, and that's when I was informed my accounts had been closed because verification was not sent in on time. I was never told a specific time in which to send proof. And the XXXX cards I had have charges and since they closed my accounts, it negatively impacted my credit score and credit history to the point that I'm no longer qualified to get any cards. Can someone look into this and help me solve this issue or explain to me how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  SS # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX SS # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$0.00}

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 2025-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 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: NY

Complaint narrative:
To Whom It May Concern : This is my final attempt to resolve inaccuracies on my credit report amicably. My prior dispute highlighted violations of the Fair Credit Reporting Act ( FCRA ), yet the account in question was wrongly verified as accurate. I demand immediate correction of the following issues and removal of the inaccurate late payments from my credit report within 14 days.

Violations of FCRA Inaccurate Reporting ( 15 USC 1681s-2 ( a ) ) : You verified late payments despite my dispute, claiming disclosures were emailed 21 days prior to the due date. The FCRA and 15 USC 1666b require disclosures to be physically mailed 21 days before each due date, per 15 USC 1637 ( b ). I have not received these disclosures, rendering the late payments inaccurate and unauthorized.

Failure to Provide Investigation Details ( 15 USC 1681i ) : You have not provided a detailed description of your investigation process, including steps taken, laws/records reviewed, personnel involved, and criteria used to verify the late payments. This violates FCRA requirements for transparent reinvestigation.

Lack of Disclosure Evidence ( 15 USC 1666b ) : You failed to provide proof that required disclosures were mailed 21 days prior to the due date, as mandated. This failure invalidates the reported late payments. 

These inaccurate late payments have caused significant harm, including credit denials and financial hardship, violating my FCRA rights. 
XXXXmmediate Removal : Delete the late payments and update the account to " Paid as Agreed '' on my consumer report.

Provide Documentation : Submit a detailed investigation report, as required by 15 USC 1681i.

Legal Contact : Provide your companys attorney contact information ( including bar number ) or legal department email for potential arbitration, per your Card Agreement.

Consequences of Noncompliance Failure to comply within 14 days will result in Pursuit of arbitration or litigation under 15 USC 1681n ( willful noncompliance ) and 15 USC 1681o ( negligent noncompliance ) for damages, attorneys fees, and costs.

Submission of all correspondence as evidence of FCRA violations in legal proceedings.

Supporting Evidence Attached are documents proving the late payments are inaccurate ( e.g., payment records, account statements ). Eight late payment periods are reported, all of which violate 15 USC 1681s-2 and 15 USC 1666b .

Mark this account as in dispute and update it to " Paid as Agreed '' within 14 days. Provide an updated credit report reflecting these changes. If violations persist, I request you advance arbitration filing fees per your Card Agreement. 
Thank you for your prompt attention. I hope to resolve this without further escalation. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
I am raising this complaint because the credit bureaus have failed to meet their responsibilities under the Fair Credit Reporting Act ( FCRA ). Although I submitted disputes identifying inaccurate and harmful information on my credit report, the bureaus did not conduct a proper or meaningful investigation. These disputed items remain, despite lacking proper verification, resulting in unfair damage to my credit score and ongoing financial and personal hardship.

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 2025-06-29 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: SC

Complaint narrative:
I am raising this complaint because the credit bureaus have failed to meet their responsibilities under the Fair Credit Reporting Act ( FCRA ). Although I submitted disputes identifying inaccurate and harmful information on my credit report, the bureaus did not conduct a proper or meaningful investigation. These disputed items remain, despite lacking proper verification, resulting in unfair damage to my credit score and ongoing financial and personal hardship.

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 2025-06-29 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: NY

Complaint narrative:
To Whom It May Concern : This is my final attempt to resolve inaccuracies on my credit report amicably. My prior dispute highlighted violations of the Fair Credit Reporting Act ( FCRA ), yet the account in question was wrongly verified as accurate. I demand immediate correction of the following issues and removal of the inaccurate late payments from my credit report within 14 days.

Violations of FCRA Inaccurate Reporting ( 15 USC 1681s-2 ( a ) ) : You verified late payments despite my dispute, claiming disclosures were emailed 21 days prior to the due date. The FCRA and 15 USC 1666b require disclosures to be physically mailed 21 days before each due date, per 15 USC 1637 ( b ). I have not received these disclosures, rendering the late payments inaccurate and unauthorized.

Failure to Provide Investigation Details ( 15 USC 1681i ) : You have not provided a detailed description of your investigation process, including steps taken, laws/records reviewed, personnel involved, and criteria used to verify the late payments. This violates FCRA requirements for transparent reinvestigation.

Lack of Disclosure Evidence ( 15 USC 1666b ) : You failed to provide proof that required disclosures were mailed 21 days prior to the due date, as mandated. This failure invalidates the reported late payments. 

These inaccurate late payments have caused significant harm, including credit denials and financial hardship, violating my FCRA rights. 
XXXXmmediate Removal : Delete the late payments and update the account to " Paid as Agreed '' on my consumer report.

Provide Documentation : Submit a detailed investigation report, as required by 15 USC 1681i.

Legal Contact : Provide your companys attorney contact information ( including bar number ) or legal department email for potential arbitration, per your Card Agreement.

Consequences of Noncompliance Failure to comply within 14 days will result in Pursuit of arbitration or litigation under 15 USC 1681n ( willful noncompliance ) and 15 USC 1681o ( negligent noncompliance ) for damages, attorneys fees, and costs.

Submission of all correspondence as evidence of FCRA violations in legal proceedings.

Supporting Evidence Attached are documents proving the late payments are inaccurate ( e.g., payment records, account statements ). Eight late payment periods are reported, all of which violate 15 USC 1681s-2 and 15 USC 1666b .

Mark this account as in dispute and update it to " Paid as Agreed '' within 14 days. Provide an updated credit report reflecting these changes. If violations persist, I request you advance arbitration filing fees per your Card Agreement. 
Thank you for your prompt attention. I hope to resolve this without further escalation. 
Sincerely,

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I had an account with Afpurchases. 5 years and had always paid off purchases. I went to make a purchase but wasn't approved. Upon contacting them, I was informed of several attempts of fraudulent activity on my account and it is now closed. They informed me of purchases made on several occasions and this account is now flagged and closed. 
I explained to them that I'm only trying to make a purchase as I've done and always paid off previously. They said there were many or several purchases made by someone else and the amount is closed due to fraudulent activity but they have charged and negatively reportimg my account as if I committed the fraud and made the purchses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute an inquiry on my credit report. The inquiry in question is outdated and the date listed is incorrect. According to the Fair Credit Reporting Act ( FCRA ), inaccurate information should be corrected or removed from my credit report. 

I request that this incorrect inquiry be removed within XXXX ( XXXX ) business days from the receipt of this letter. Below are the XXXX inaccurate inquiries and the dates opened, the XXXX XXXX  have expired for your reference. 

Accounts XXXX OPEN XX/XX/year> XXXX OPEN XX/XX/year> These accounts should be removed from my inquires as they are over 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 2025-06-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ongoing Identity Theft Issue CFPB Complaint Regarding Wells Fargo Claim # XXXX To Whom It May Concern, I am writing to file a formal complaint regarding an unresolved identity theft matter involving Wells Fargo Bank, specifically tied to identity theft claim # XXXX, concerning accounts ending in XXXX and XXXX. 

I am the victim of identity theft, and these accounts were fraudulently opened in my name without my knowledge or consent. Despite my repeated attempts to resolve this issue directly with Wells Fargo, the matter remains unresolved. I have been in ongoing communication with the bank for a significant period, and yet, I continue to receive inadequate responses, with no definitive closure or corrective action taken to remove these fraudulent accounts from my record. 

As part of my investigation and communication with Wells Fargo, I have provided documentation, including a copy of a past address that does not match the bank 's records associated with these accounts. This discrepancy further proves that these accounts were not created by me and are indeed the result of identity theft. 

Wells Fargo 's failure to correct or remove these accounts may be a violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, a consumer has the right to request that fraudulent information resulting from identity theft be blocked from their credit report. The law also requires that once a consumer provides evidence of identity theft, including a police report or identity theft affidavit, the financial institution must take prompt action to block and investigate the disputed accounts. 

Despite following all necessary procedures, including notifying Wells Fargo and submitting supporting documents, the fraudulent accounts remain open or unresolved, potentially impacting my credit and financial standing. 

I respectfully request the CFPB to review this matter and take any appropriate action to ensure Wells Fargo complies with FCRA regulations and resolves this issue immediately. 

Please find the attached documentation, including my past address, as further evidence supporting my claim.

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