vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Problem with personal statement of dispute
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
I am writing to dispute the continued reporting of negative information regarding Account # XXXX, which you charged off and issued a Form 1099-C ( Cancellation of Debt ) for in tax year 2020. This account, by your own reporting to the IRS, was canceled and no longer collectible as of that year. 

Despite this cancellation, the account is still being reported to the credit bureaus as a charge-off with a balance, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

Specifically, 15 U.S.C. 1681e ( b ) states : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By continuing to furnish information on an account that has been legally canceled, you are contributing to an inaccurate and incomplete representation of my credit profile, in violation of this statute.

I hereby request the following : Immediate removal of the charge-off status from my credit reports with all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX 
Update the tradeline to reflect a {$0.00} balance, Closed or Canceled status, and ensure the date of cancellation in 2020 is correctly reflected. 
Cease any and all collection activities related to this debt, whether internally or through third-party agencies. 
Provide me with written confirmation of these updates, and a copy of the 1099-C issued in 2020 for my records.

This letter serves as a formal dispute and demand for correction under both 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). You are required to investigate and respond within XXXX XXXXs of receipt. Failure to comply XXXX result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS, as well as consideration of legal remedies for continued FCRA violations. 

Thank you for your immediate attention to this matter. I look forward to your written response and a corrected credit file.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request to block Fraudulent Information Under 15 U.S.C. 1681c-2 Dear Credit Bureau , I am writing to formally dispute the following accounts as fraudulent and request its immediate blocking and removal from my credit report in accordance with the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 

The accounts listed below was opened or used fraudulently and is the result of identity theft : 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 XXXXXXXX I request that you block all information relating to these accounts from appearing in my credit file and removed within 4 days as required under 15 U.S.C. 1681c-2.

Please confirm in writing once the accounts listed have been removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request to block Fraudulent Information Under 15 U.S.C. 1681c-2 Dear Credit Bureau , I am writing to formally dispute the following accounts as fraudulent and request its immediate blocking and removal from my credit report in accordance with the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 

The accounts listed below was opened or used fraudulently and is the result of identity theft : 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 XXXXXXXX I request that you block all information relating to these accounts from appearing in my credit file and removed within 4 days as required under 15 U.S.C. 1681c-2.

Please confirm in writing once the accounts listed have been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of adverse information from my credit file pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-3, which provides specific protections for survivors of human XXXX Under this provision, credit reporting agencies are legally required to block and delete negative information resulting from XXXX  exploitation. 

Account to Be Removed : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$65.00} This account was established during a period when I was a victim of XXXXXXXX XXXX and coercive control, and it does not accurately represent debts I willingly incurred. Under FCRA 605C, this information qualifies for removal. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection or reporting of debts that are not valid or that arise from coercion, fraud, or exploitation.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX reporting an account on my credit report that is fraudulent and does not belong to me. I previously disputed this account with the credit bureaus, and it was removed from my credit file. However, the account has now been reinserted without proper notice or justification. It was removed XXXX and reinserted XXXX This account could not be mine because I was incarcerated during the time it was allegedly opened or used. I have provided documentation proving my incarceration, and this account was opened fraudulently in my name without my knowledge or authorization. 

The continued reporting of this fraudulent account is harming my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the company and the credit bureaus permanently delete this account from all of my credit reports and provide confirmation of the removal. I want permanent removal of this account. I even provided the proper documentation and supporting paperwork to transunion to support my claims of fraud and I believe transunion not handling the error properly

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 2025-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XXXX by Goldman Sachs closed my savings account without notice or reason on XX/XX/year>, without the ability to access my funds ( ~ {$40000.00} ). Upon contact, the bank explained that I needed to file an internal dispute, with resolution expected in as long as XXXX business days, and no ability to expedite the process or access my funds in the interim. 
On XX/XX/year>, XXXX by Goldman Sachs required me to open a new savings account due to " Frequent travel out of state '' ( XXXX trips in XXXX calendar year, including XXXX to a neighboring state less than XXXX miles away. Some of my funds were transferred to the new account, while others were placed " on hold ''. On XX/XX/XXXX, the reason given for closing all accounts was that some funds were " on hold '' ( the decision made by Goldman Sachs ).

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I had a credit account with FNB Omaha, XXXX XXXX and XXXX Bank, that was closed and later resolved through a formal settlement agreement. I paid the agreed amount in full, and I have documentation confirming both the settlement terms and proof of payment. 

Despite this, FNB Omaha is currently reporting this account on my credit report as past due or showing missed/late payments, which is not only inaccurate but also misleading. I was not late during the settlement process, and the agreement did not indicate that any further payments were due once fulfilled. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to report complete and accurate information. This account should be reported as Settled or Paid in full for less than the full balance, with a {$0.00} balance, and no delinquent status. 

Ive attempted to resolve this directly with FNB Omaha, but the reporting remains incorrect. XXXX requesting the CFPBs assistance in having this account updated to accurately reflect the settlement and payment in full and to remove any inaccurate late payment notations.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX XXXX

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Applied for XXXX XXXX XXXX credit card based in rewards program offer. I do not receive rewards they offered upon purchase and have to text or call to get the rewards added. Been told everything from do t know why to it happened to me to a computer issue. None of which is my problem. I have received some of the rewards but not all and again only if I contact them. So now I don't want their credit card as it's not what was promised and I can't just cancel it as it will have an effect on my credit. I only accepted based on what was promised on paper and in their website and confirmed by text email and verbally. I will upload the last message from XX/XX/XXXX rep says have to add rewards manually. This is XXXX XXXX into the issue. I have many more interactions with XXXX to show if and when needed.

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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and XXXX  data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief