vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint regarding a failure to conduct a proper reinvestigation under the Fair Credit Reporting Act. 

The company continues to report a collection account with the following details. 

Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone ( XXXX ) XXXX Account details Original creditor : The XXXX XXXX  Account type : Collection agency or attorney Responsibility : Joint account Date opened : XX/XX/XXXX High balance : {$7800.00} Past due : {$7800.00} Pay status : Collection Date updated : XX/XX/XXXX Remarks : Completed investigation of FCRA dispute consumer disagreed, placed for collection I formally disputed this account with the credit reporting agencies. The furnisher verified the account without conducting a reasonable reinvestigation. The response failed to address the substance of my dispute and relied on automated verification instead of reviewing underlying evidence. 

This conduct violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to conduct a reasonable investigation after receiving notice of a dispute.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Failure to review all relevant information provided by the credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) Failure to report the results of a complete and accurate investigation.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to correct or delete information found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) Continued furnishing of inaccurate information to consumer reporting agencies.

The furnisher did not provide validation, documentation, or evidence showing contractual liability, accurate balance calculation, or lawful placement for collection. The notation stating the investigation was completed while the consumer disagreed supports a perfunctory process rather than a reasonable reinvestigation as required by law. 

I request the CFPB require the company to conduct a lawful reinvestigation, provide documented proof of accuracy, or delete the account from all credit reports. 

I am requesting written confirmation of the investigation method used, the records reviewed, and the specific evidence relied upon to verify this account.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed my credit report from Experian and identified several negative items that I dispute in their entirety. Despite previous attempts to address these issues, these accounts remain inaccurately reported on my file : 1. AMERICAN EXPRESS Account # XXXX Balance : {$3800.00} as of XX/XX/year> Status : Charged off ; {$3800.00} written off ; {$1000.00} past due 2. AMERICAN EXPRESS Account # XXXX Balance : {$7200.00} as of XX/XX/year> Status : Charged off ; {$7200.00} written off ; {$2500.00} past due 3. AMERICAN EXPRESS Account # XXXX Balance : {$9900.00} as of XX/XX/year> Status : Charged off ; {$9900.00} written off ; {$7300.00} past due 4. XXXX XXXX XXXX  XXXX Account XXXX XXXX Status : Paid, Closed 5. XXXX XXXX Account # XXXX Balance : {$1300.00} as of XX/XX/year> Status : Charged off ; {$1300.00} written off The reporting of these accounts is inaccurate and misleading. Federal law requires that credit bureaus maintain accurate and verifiable information. I am requesting that you immediately reinvestigate these accounts and remove or correct any inaccuracies. Please provide me with an updated copy of my credit report once these corrections are made. 

If this information is not immediately reinvestigated and corrected, I will be forced to seek legal counsel for relief through the courts and file complaints with regulatory enforcement agencies including the CFPB, FTC, and the New York Attorney General. 

Please also ensure that notices of correction are sent to all parties who have received my credit report within the past six months. 

Sincerely, XXXX XXXX XXXX, XXXX Without Prejudice All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I applied to care credit/SYNCHRONY BANK XXXX . The payment stared around XXXX XXXX since then, I have been paying my bill. I want to pay in full before XX/XX/XXXX, so in don't get interest. XXXX the bill for XXXX was not received. I spoke to them to send me the statement. XX/XX/XXXX was when I receive a packet of all statement. They are charging interest of the amount {$3300.00}, according to the manager, XXXX ID number XXXX. ( This is the information he gave me ) Now my bill when back to XXXX. When I just own the care credit {$14000.00}. They new that my plan was to pay in full before the promotion expired. The send the bill late so I need to pay the interest. 

This care credit/ SYNCHRONY BANK is stilling from people.

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 2025-12-23 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-23 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: CITIBANK, N.A.
State: MD

Complaint narrative:
FORMAL ESCALATION REQUEST CFPB SUPERVISORY AND ENFORCEMENT REVIEW REQUIRED I am formally escalating this complaint due to continued, willful noncompliance by Macys / Citibank , N.A . and XXXX  XXXX following notice of identity theft and documented violations of the Fair Credit Reporting Act. 

Macys / Citibank, N.A.s response is legally deficient and relies on internal policy and a self-serving fraud denial that has no authority under federal law. A creditors internal determination does not override statutory obligations imposed by the Fair Credit Reporting Act. I submitted a valid identity-theft report, including a sworn police report, pursuant to 15 U.S.C. 1681a ( q ) and 1681c-2. Equifax investigated the same Macys tradeline, accepted my police report as valid, and permanently removed the account. That action establishes the sufficiency and credibility of the identity-theft documentation.

Despite this, Macys / Citibank continued furnishing the disputed tradeline to TransUnion, which then unlawfully reinserted the account after deletion. TransUnion failed to provide the mandatory advance written notice required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prior to reinsertion. Reinsertion without notice is a per se violation of the FCRA. No exception exists for a furnishers internal fraud determination.

Macys/ Citibanks claim that the account was included in bankruptcy is legally irrelevant and misleading. Fraudulent accounts are not rendered accurate or reportable by bankruptcy inclusion. Continuing to furnish information known to result from identity theft constitutes furnishing information with actual knowledge of inaccuracy in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). After receiving notice of dispute and identity-theft documentation, Macys / Citibank was required to conduct a reasonable investigation and cease furnishing unverifiable information under 15 U.S.C. 1681s-2 ( b ). Their continued reporting demonstrates willful noncompliance. 

XXXX conduct independently violates the FCRA. Reinserting a previously deleted tradeline without statutory notice, while relying on the same furnisher data already rejected by another consumer reporting agency, constitutes reckless disregard for accuracy obligations. The FCRA does not permit a credit bureau to reinstate fraudulent information absent strict compliance with reinsertion requirements.

The combined conduct of Macys / Citibank and XXXX  reflects systemic failure to comply with identity-theft blocking, reinsertion safeguards, and post-dispute duties. This is not a documentation issue. This is an enforcement issue.

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 2025-12-23 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: Checkr, Inc
State: NC

Complaint narrative:
I have been disputing inaccurate and outdated driving record information reported by Checkr for approximately three months. 

My North Carolina driving record was legally corrected by the court, and the corrections were confirmed by the NC DMV. My drivers license is active and my points were properly reduced after compliance with all court requirements. 

Despite submitting certified court documents and my updated Motor Vehicle Record multiple times, Checkr refused to correct the inaccurate information and closed my disputes stating that they would not change their decision. 

As a result, I have been denied multiple work opportunities and have suffered financial harm based on inaccurate background report information. 

Checkr failed to conduct a reasonable reinvestigation and failed to ensure maximum possible accuracy of my consumer report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no public records tied to my credit file, and these entries are unacceptable. Please remove them immediately, as they are causing me significant XXXX  and distress.

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 2025-12-23 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: IL

Complaint narrative:
I have no involvement in these accounts and request their deletion within the legally mandated XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 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 2025-12-23 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-23 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: NY

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
This is the worst experience I have ever had with any company out of XXXX XXXX of living. I never complain, but I am now. 

Freedom Mortgage Bank. I spoke to 9 Agents. None of which knew what the were talking about. I was on the phone on 2 separate phone calls for over 2 hours plus collectively on multiple calls collectively. I had agents get smart with me, not listen, and are completely unwilling to fix the issues, and totally unwilling to care. They sent me the wrong paperwork, destroyed my credit due to the miscommunication, then got smart about it multiple times. I've had agents say they would contact me regarding the situation and never did. Which is a lie. I've been overcharged significantly on Closing Costs and Rates before they destroyed my credit I have worked very hard to establish over years and years to be tier 1. I have many lines of credit all which are good, only this bank have I had a problem with ever. I have submitted paperwork showing the confusion and the bank says I have not submitted it, and still get smart in their responses. I will not stop until everything is corrected and my credit is fixed. The bank has taken advantage of me on closing costs on the loan prior to this one with XXXX in closing costs!!! Absurd .. my aunt is a closing attorney that is retired. I had the main agent I was working with lie to me about saving me money on closing costs then never return my emails or answer his phone again. This is a very shameful dishonest bank. They are unremorseful nor do they care that they destroy people 's credit when they sent the incorrect paperwork. I have sent it back to them. They still claim I have not. My rate is still outrageously high even after destroying my credit. Please suggest a different bank I could use, or provide a list if possible. This bank is very unethical. I met one honest person after 10 agents where he admitted the rate they were giving me was not right but there was nothing he can do about it. That guy deserves a raise. It's sad it takes 10 Agents 2 phone calls, many emails, 2 hours plus on phone to get nowhere, have your credit affected, people get smart with you, and not care. What a disgusting Bank. What can I do 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 2025-12-23 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:
To Whom It May Concern : I recently reviewed my credit report from XXXX  and identified several negative items that I dispute in their entirety. Despite previous attempts to address these issues, these accounts remain inaccurately reported on my file : 1. XXXX XXXX Account # XXXX Balance : {$3800.00} as of XX/XX/year> Status : Charged off ; {$3800.00} written off ; {$1000.00} past due 2. XXXX XXXX Account # XXXX Balance : {$7200.00} as of XX/XX/year> Status : Charged off ; {$7200.00} written off ; {$2500.00} past due 3. XXXX XXXX Account # XXXX Balance : {$9900.00} as of XX/XX/year> Status : Charged off ; {$9900.00} written off ; {$7300.00} past due 4. XXXX XXXX BANK XXXX Account XXXX XXXX Status : Paid, Closed 5. XXXX XXXX Account # XXXX Balance : {$1300.00} as of XX/XX/year> Status : Charged off ; {$1300.00} written off The reporting of these accounts is inaccurate and misleading. Federal law requires that credit bureaus maintain accurate and verifiable information. I am requesting that you immediately reinvestigate these accounts and remove or correct any inaccuracies. Please provide me with an updated copy of my credit report once these corrections are made. 

If this information is not immediately reinvestigated and corrected, I will be forced to seek legal counsel for relief through the courts and file complaints with regulatory enforcement agencies including the CFPB, FTC, and the New York Attorney General. 

Please also ensure that notices of correction are sent to all parties who have received my credit report within the past six months. 

Sincerely, XXXX XXXX XXXX, XXXX Without Prejudice All Natural Rights Reserved

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