vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my XXXX XXXX XXXX XXXX off completely on XX/XX/year> and with no warning they dropped my credit limit from {$1400.00} to {$100.00} within weeks of paying the balance. 

When I called Synchrony Bank about my XXXX card, they said that it was because they do credit checks from time to time and that can happen. 

This dramatic lowering of my credit limit hurt my credit score.

I requested it be restored, they ran a soft credit check and said they could not.

My credit score hadn't gone down since I got the card, and I don't understand why they would do that immediately after I paid off my balance.

In the past, I also had a Care Credit card through Synchrony Bank, and as soon as I paid off my balance, which was before the 6-months interest-free period ended, they closed my 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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates failed to complete my previous Debt Validation request as per 15 USC 1692g, and instead made an unverified statement, alleging that the original creditor, XXXX XXXX XXXX. sold Portfolio Recovery Associates the alleged debt relating to the XXXX XXXX credit card account ending in XXXX. 

Portfolio Recovery Associates therefore has continued to commit fraud by reporting invalidated information to all three of the major credit reporting agencies, including XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Global Tel*Link Corporation
State: NC

Complaint narrative:
I sent money to my fiance while hes been incarcerated and put money on his phone account and so did my sister, daughter and mom

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report by your agency. The item ( XXXX ) listed below are incorrect and must be promptly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Despite previously contacting your agency and/or the data furnisher with documentation to support my claim, this inaccurate information continues to appear on my report. This has caused undue harm to my creditworthiness and may constitute a violation of federal consumer protection laws. 
I also wish to reference the recent CFPB lawsuit filed against Experian and Equifax, which highlights systemic failures in properly investigating and correcting disputed credit report information. These legal actions underscore the serious legal implications of non-compliance with the FCRA and your obligations as a credit reporting agency. 
According to the lawsuit, the CFPB alleges that both Experian and Equifax continued to include unverifiable or inaccurate information in consumer credit files even after disputes were fileda situation closely aligned with my experience.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report by your agency. The item ( XXXX ) listed below are incorrect and must be promptly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Despite previously contacting your agency and/or the data furnisher with documentation to support my claim, this inaccurate information continues to appear on my report. This has caused undue harm to my creditworthiness and may constitute a violation of federal consumer protection laws. 
I also wish to reference the recent CFPB lawsuit filed against Experian and Equifax, which highlights systemic failures in properly investigating and correcting disputed credit report information. These legal actions underscore the serious legal implications of non-compliance with the FCRA and your obligations as a credit reporting agency. 
According to the lawsuit, the CFPB alleges that both Experian and Equifax continued to include unverifiable or inaccurate information in consumer credit files even after disputes were fileda situation closely aligned with my experience.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX XXXX and I have reached out to the credit bureaus multiple times regarding the fraudulent accounts on my credit profile but they have failed to properly investigate my disputes. They have not take sufficient steps to intake, process, investigate, and notify me about my disputes, resulting in the inclusion of incorrect information on my credit reports. The inaccurate or false information on my reports has threatened my access to credit, and housing. The fraudulent accounts I have disputed countless times directly with the bureaus are : XXXX opened XX/XX/XXXX with a reported balance of {$9900.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a reported balance of {$0.00} ; and XXXX opened XX/XX/XXXX with a reported balance of {$0.00}. I have a right to a correct credit profile according to the FCRA and it has gotten to the point that I am prepared to take legal action if this matter is not resolved immediately. I have included my identification and a copy of the police report that I have already sent to the bureau. Thanks XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Collection Service, Inc.
State: CA

Complaint narrative:
I reached out the manager of XXXX XXXX XXXX regarding breaking my lease. We came to the arrangement that they would keep my {$6000.00} security deposit, and I would be free to leave. I cleaned the apartment and turned in the keys. 
However, over the following months, the apartment started harassing me for different charges. At first they said I broke the lease, and owed them the remainder of the lease money ( about {$3300.00} ). When I provided proof that that was untrue, they apologized and backed down. Then they tried to say that I did not move out on the XXXX, and tried to charge me {$7000.00}. When I proved that claim was also false, they said that i had unpaid utilities, which is also false, as they utilities were in my name on the property and were turned off when I moved. Thus, I would not owe them for any utilities. 
I thought the matter was dropped, as they have just been making things up to try to charge me for, but they have now sent me to collections.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I have identified multiple violations and inaccuracies in my credit report as provided by Experian, which are causing material harm to my financial standing and opportunities.

1. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Improper Reporting : This account is listed as a collection but also reports monthly delinquency payments ( XX/XX/year> XX/XX/year> ), which violates Metro 2 standards. Once an account is in collection, it should not continue showing monthly late payments. 
FDCPA Violation : I submitted a written dispute and request for validation of this debt. To date, no validation has been received, yet XXXX continues to report this tradeline, which is a violation of FDCPA 809 ( b ).

FCRA Violation : The account is marked disputed, yet there is no indication that the data furnisher investigated and updated the information in compliance with 15 U.S.C. 1681i.

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 2025-06-04 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:
My account with XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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!

Delete 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 2025-06-04 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: PA

Complaint narrative:
My account with DPT EDXXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 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. DPT EDXXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I respectfully request the immediate blocking and removal of the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the supporting documents for your careful review. Please also note that inconsistent and inaccurate account information is being reported to each credit bureau.

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 2025-06-04 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: TX

Complaint narrative:
I received a copy of my consumption reports and notice that you have provided transactions in my consumer report that is excluded by law according to FCRA 15

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 2025-06-04 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: TX

Complaint narrative:
I received a copy of my consumption reports and notice that you have provided transactions in my consumer report that is excluded by law according to FCRA 15

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the tradelines reported by XXXX, XXXX XXXX and ComenityCapitalXXXX XXXX on my credit report. These accounts are negatively impacting my credit profile due to incomplete or inaccurate reporting. 



XXXX XXXX is showing XXXX XXXX payment history with a " Current '' status and no payment or balance data. This tradeline lacks complete reporting and is misleading. 

XXXX shows only XXXX XXXX on-time payment history and a derogatory mark, despite no recent account activity since XXXX and no payments since XX/XX/XXXX. It remains open with no monthly payment or balance details, and should be updated or removed. 

ComenityCapital/XXXX XXXX has not reported any activity since XXXX, is showing XXXX XXXX payment history, and also reflects a derogatory status with no updates since years prior. This account is outdated and inaccurately listed. 




XXXX All three accounts reflect incomplete or misleading data and violate the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). I am asking for these tradelines to be reviewed and either corrected with full accurate information or removed if the data can not be verified or is outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from NELNET, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXX ) for deceptive and misleading reporting.

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 2025-06-04 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-04 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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