vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Against XXXX XXXX and Credit Bureaus for XXXX XXXX XXXX XXXX XXXX XXXX of 15 U.S.C. 1666 ( b ) To Whom It May Concern : I am submitting this complaint regarding the inaccurate late payment history reported on my credit file for the account listed below. This dispute is being filed by me XXXX XXXX by a third party, and I request that this matter be fully and lawfully investigated in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

Issue : The creditor, XXXX XXXX, is reporting a late payment on my account that I believe to be completely inaccurate. I do not recall being late on this account and believe this may be the result of either a billing error, failure to properly credit my payment, or an accounting mistake. 

Account in Question : Creditor : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Error : Inaccurate late payment reporting ( account is still open ) Legal Grounds for Dispute : According to 15 U.S.C. 1666 ( b ) ( Billing Error ), the following conditions apply : Subsection ( 4 ) : Failure by the creditor to properly reflect a payment or credit that was made. 

Subsection ( 5 ) : Computation or accounting errors on the creditors part. 

In addition, no billing statement was provided to me at least 21 days before the due date, as required under federal law for any late fee or delinquency to be considered valid. 

The creditor and the credit bureaus have failed to comply with their obligations to ensure the accuracy of reported information under both the FCRA ( 15 U.S.C. 1681e ( b ) ) and the FCBA ( 15 U.S.C. 1666 ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I disputed a transaction on my Synchrony Credit Card in XX/XX/2025. It is for {$3200.00}. I don't know what this transaction is, I don't where it came from as I didn't buy anything at that time as far as I know. I asked them about the transaction and they can not tell me what was purchased or from where on this date, XX/XX/2025. 

I'd like to get some assistance from them and from the CFPB so that I can identify what I purchased on that date, any assistance they can offer would be great. 

I've been paying minimum payments on it while I've been trying to resolve the issue with them but I don't think I'm getting anywhere fast enough and they are saying I owe that amount by XX/XX/XXXX which I don't have. 

If this is something I purchased on that date, again, I'd like to know what it is because I don't recall ordering anything or getting anything in the mail. I'm not able to pay the bill so I'd like some help from them with that as well. 

Thank you for any help you can provide.

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 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
To : Capio Partners LLC XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation Account # : XXXX Reference # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Alleged Debtor XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Date : XX/XX/year> To Whom It May Concern, This letter is a formal notice that I dispute the alleged debt referenced above. I am requesting full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I have no knowledge of this account and do not recognize any business relationship with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or Capio Partners. I have not received any medical services from this provider on or around the alleged date of service, and I have not been notified of any outstanding balances by the original creditor. 

Pursuant to my rights under the FDCPA, please provide the following : XXXX. A complete itemized breakdown of the charges that make up the alleged balance. 
XXXX. The name and address of the original creditor. 
XXXX. Copies of any contracts, authorizations, billing records, or other documentation bearing my signature and showing that I agreed to the charges. 
XXXX. The full chain of assignment or sale from the original creditor to Capio Partners or XXXX XXXX XXXX. 
XXXX. Proof that Capio Partners has the legal right to collect on this debt. 
XXXX. An explanation of how this debt was calculated, and any interest or fees added. 
XXXX. A statement indicating whether this debt has been reported to any credit bureaus ( as of this date, it has not shown on my reports ). 
XXXX. If this is a medical debt, please include a copy of the original Explanation of Benefits ( EOB ) and proof of any insurance claims or denials, if applicable. 

Do not contact me by phone. All future communication must be in writing. You are also notified that you may not report this debt to any credit reporting agency until proper validation is provided. 

If you are unable to provide the above documentation within 30 days of receipt of this notice, you must cease collection activity and confirm in writing that the matter is closed. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

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 2025-07-23 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: FL

Complaint narrative:
CFPB : IN ACCORDANCE WITH FAIR CREDIT REPORTING BANK : XXXX XXXX XXXX XXXX ACCOUNT # ( XXXX ) AND XXXX XXXX XXXX ACCOUNT # ( XXXX ) THEY ARE USING THE SAME ACCOUNT TWICE TO DAMAGE MY CREDIT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
CFPB : IN ACCORDANCE WITH FAIR CREDIT REPORTING BANK : XXXX XXXX XXXX XXXX ACCOUNT # ( XXXX ) AND XXXX XXXX XXXX ACCOUNT # ( XXXX ) THEY ARE USING THE SAME ACCOUNT TWICE TO DAMAGE MY CREDIT 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

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX  rewards XXXX because I attempted to make a payment in full to the credit card company for XXXX which posted on XX/XX/XXXX. On XX/XX/XXXX interest was charged for the amount of XXXX. I explained to the company that this check was mailed to me on XX/XX/XXXX from a title company as a part of a home refinance and there were delays in the title companies processing timeline. I mailed the check on the XXXX and unfortunately interest was charged although the account was attempted in good faith to be paid in full. The company told me they wont reverse my interest charge because it was earned fairly, despite explaining the situation and me never paying late with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was involved in a data breach, and as a result, unauthorized accounts have been added to my credit report. I did not open these accounts, and I am the victim of identity theft. 
According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, I have the right to request the removal of fraudulent information resulting from identity theft. Once proper documentation is submitted, credit reporting agencies are required to block the information within 4 business days of receiving the request.

Despite this, the accounts have not been removed within the legally required 4-day timeframe, and they continue to harm my credit profile and cause 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 explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I disputed inaccurate derogatory reporting by XXXX XXXX XXXX on my TransUnion credit report specifically, a XXXX late payment and a {$6700.00} charge-off. Both are factually incorrect. The vehicle loan was paid in full and closed on XX/XX/XXXX, confirmed by payoff documentation issued by XXXX XXXX XXXX XXXX. 

This is now my third formal dispute, and TransUnion has still failed to correct the record. In response to my previous disputes, they merely updated remarks and ratings, but left both the charge-off and XXXX delinquency intact without justification. 

As allowed under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I also requested the documentation used to verify this derogatory information. TransUnion did not provide any verification evidence or explanation of reinvestigation procedures. 

This repeated failure to reasonably investigate and correct inaccurate information is a clear violation of : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide verification details I am asking the CFPB to hold TransUnion accountable. I also respectfully request that the CFPB help me connect with a consumer protection attorney familiar with FCRA litigation, as I am preparing to pursue legal action due to the material and ongoing damage to my credit standing. 

Requested relief : deletion of the charge-off and XXXX delinquency, written confirmation of correction, and disclosure of all reinvestigation procedures and verification evidence relied upon.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because a negative account that was previously removed from my credit report has been reinserted without any notice or supporting documentation. 
The account in question was credence resource management and XXXX XXXX It had been successfully removed from my credit report following a prior dispute or investigation. 
However, I recently checked my credit report again and found that the account has been re-added. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the credit reporting agency is required to notify me in writing within five business days if a previously deleted item is reinserted into my file. I did not receive any such notice. This appears to be a clear violation of federal law.

I request immediate removal of the item and an updated copy of my credit report. Due to that my information was involved in a date breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Against XXXX XXXX and Credit Bureaus for XXXX XXXX XXXX XXXX XXXX XXXX of 15 U.S.C. 1666 ( b ) To Whom It May Concern : I am submitting this complaint regarding the inaccurate late payment history reported on my credit file for the account listed below. This dispute is being filed by me XXXX XXXX by a third party, and I request that this matter be fully and lawfully investigated in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

Issue : The creditor, XXXX XXXX, is reporting a late payment on my account that I believe to be completely inaccurate. I do not recall being late on this account and believe this may be the result of either a billing error, failure to properly credit my payment, or an accounting mistake. 

Account in Question : Creditor : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Error : Inaccurate late payment reporting ( account is still open ) Legal Grounds for Dispute : According to 15 U.S.C. 1666 ( b ) ( Billing Error ), the following conditions apply : Subsection ( 4 ) : Failure by the creditor to properly reflect a payment or credit that was made. 

Subsection ( 5 ) : Computation or accounting errors on the creditors part. 

In addition, no billing statement was provided to me at least 21 days before the due date, as required under federal law for any late fee or delinquency to be considered valid. 

The creditor and the credit bureaus have failed to comply with their obligations to ensure the accuracy of reported information under both the FCRA ( 15 U.S.C. 1681e ( b ) ) and the FCBA ( 15 U.S.C. 1666 ( b ) ).

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 2025-07-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2025 I checked my credit report with transunion and was notified they removed XXXX XXXX accounts that were reporting on my credit report. All XXXX of these accounts are in excellent standing and now they were removed. I tried to dispute it online but there was nowhere for me to do so. I contacted transunion by phone to complain and I got hung up on 2 times. I never requested for them to remove these accounts. I also verified with XXXX that there is no problem and they never told transunion to stop reporting the XXXX accounts. My score dropped due to them removing these XXXX credit cards.

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 2025-07-23 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE PAIR CREDIT REPORTING ACT ACCOUNT # XXXX. HAS VIOLATED MY RIGHTS. 
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 A CONSUMER REPORTING AGENCY BCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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