vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-13 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 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: IL

Complaint narrative:
SUPPLEMENTAL COMPLAINT CFPB CASE # XXXX Company : TransUnion LLC XXXX XXXX submitting this supplemental complaint regarding the continued inaccurate and misleading reporting of XXXX Card Services account ending in XXXX on my TransUnion credit report. 

This account was paid in full as part of a forced refinance in XX/XX/XXXX. XXXX received full payment via payoff check issued directly from my mortgage proceeds. At the time of payment, I explicitly requested deletion of the tradeline as part of the payoff. 

Despite this, TransUnion continues to report : Account paid in full was a charge-off while also showing {$0.00} balance and Closed status Last payment and Date updated entries of XX/XX/XXXX, which improperly re-age the account and extend derogatory reporting beyond the Date of First Delinquency ( DOFD ) Estimated removal date of XX/XX/XXXX, which is XXXX XXXX  beyond the lawful XXXX limit from XXXX in XXXX Historical XXXX balance and credit limit entries that postdate account closure Violations : FCRA 605 ( a ) & 605 ( c ) : Negative information is being reported beyond the allowable XXXX period from XXXX. 
FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to reasonably reinvestigate after disputes.

FCRA 1681s-2 ( b ) : Continued reporting of information known to be inaccurate after notice.

Metro 2 Reporting Standards : Contradictory pay status ( Paid in Full and Charge-off ) and unlawful monthly updating post-charge-off. 

Harm : These violations have materially lowered my XXXX XXXX, damaged my creditworthiness, and resulted in higher interest rates and denials. This harm is ongoing and quantifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 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 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I'm filing a complaint against Synchrony Bank regarding their management of my Lowe 's credit card account which has been in good standing for years and was suddenly closed without any notice- no letter, no email, no warning suddenly my Lowes account was closed. 

I discovered the closure after checking on a payment and when I attempted to make a purchase. 
When I contacted Synchrony ( via phone ) they stated the reason was a decline in my credit score.

I find this to be gross overreach and inappropriate micromanagement of my personal finances. I did NOT request a credit increase nor did I authorize a review of my credit profile for this purpose. It is unacceptable that SB chose to evaluate and penalize me for how I manage my broader financial activity PARTICULARLY when I never defaulted never missed a payment and used the card responsibly. 
I have always been a responsible cardholder with a consistent history of on-time payments and regular use including large purchases. Once I did some digging I found out that Synchrony Bank said that they closed it do to inactivity. 
Synchrony Bank later claimed that the closure was due to a decline in my credit score. However at no point was I notified or given the opportunity to address or dispute this. This feels like a 'convenient excuse ' not a justified action- especially after years of good standing. 
Both Synchrony Bank and Lowes have my information. My address has been the same since XXXX, my home phone has been the same since XXXX, and my cell phone have been the same since XXXX. Nothing has changed, billing address the same. So they have no excuse on not reaching out to me. Via phone call and home address by XXXX mail. 
I also strongly suspect this closure may have been financially motivated and a broader pattern. 
I have a lower XXXX under my original card terms, and I now believe Synchrony and Lowes is targeting accounts with favorable terms for closure so that customers are forced to reapply under higher interest rates. ( I have a credit limit of XXXX at LOWES, I didn't start out with that amount ). 
This is not only unethical, but may also reflect discriminatory or retaliatory behavior under the guise of creditworthiness and or credit management.

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 2025-08-13 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:
The investigation did not fix an error on my credit report

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 2025-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Its affecting my credit report by having child child support collection agency, putting a balance on my credit report and also putting in collections which is illegal through US code 15 1681C this is affecting my credit score. Will like for you to re-investigate the purple purpose of these complaints. Also, it is late payment charges on my credit report that I did not consent to which is affecting my credit report XXXX inquiries that I would like to get removed also. And a credit card debt that I did not consent to be on my court report. 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 2025-08-13 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items Chapter XXXX Bankruptcy XXXX XXXX CT IL XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$200.00} AFFIRM XXXX XXXX XXXX {$430.00} XXXX  XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCED {$130.00} XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCED {$770.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} CAP XXXX NA XX/XX/year>

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 2025-08-13 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: GA

Complaint narrative:
Permanently delete the following fraudulent accounts and all related inquiries from my credit report : 1. XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  XXXX Date of inquiry : XX/XX/XXXX Block all identity theftrelated data as required by 15 U.S.C. 1681c2, provide a corrected and updated credit report, and send written confirmation of the deletions and blocks within 4 business days of receiving my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
Sofi Account XXXX XXXX XXXX loan amount {$92000.00} To the Consumer Financial Protection Bureau : I am filing a complaint against SoFi for repeated mishandling of my student loan deferment request, placing my account in delinquency despite my compliance with their stated requirements, and making unexplained changes to my monthly interest rate payments. 

I was accepted into XXXX  school in XX/XX/year> and immediately began preparing to defer my student loans. My federal loans were deferred without issue. However, my private loans with SoFi have not been properly deferred despite repeated submissions of documentation and multiple assurances from SoFi representatives. 

XX/XX/year> I was accepted into XXXX  school and began researching how to defer my student loans by calling Sofi. 

XX/XX/year> I submitted a SoFi deferment form ( the form they told me I needed after my initial inquiry ) to * [ XXXX ] ( mailto : XXXX ) *. I was told the deferment request would be processed. 

XX/XX/year> I called SoFi to confirm that I qualify for loan deferment. They confirmed I did and told me to submit a deferment request when I began school. I explained that I had already submitted paperwork, and they told me it was being processed. 

XX/XX/year> I noticed that my full monthly loan payment was charged despite my pending deferment request. When I called SoFi, I was told they had not received my forms. I re-sent the documents on this date. I was again assured the deferment was being processed. 

XX/XX/year> My loans say they have been deferred. But I am still being charged the full amount they said they would issue a refund. 

Throughout XXXX XXXX  My monthly interest rate payment amount was changed twice without explanation, making financial planning extremely difficult while living on student loan funds. 

XX/XX/year> I received a call from SoFi stating that I am delinquent for approximately {$160.00}. I explained that my account is set to autopay and that my loans should already be in deferment. I was told they are still trying to figure out my deferment and the refunds from previous months. 

Current Situation : I am concerned that my credit will be negatively impacted through no fault of my own. I have been making unnecessary full monthly payments on my XXXX loans due to SoFis repeated delays, loss of documentation, and inconsistent communication. Even after assurances from a manager in XXXX, the issue remains unresolved. 

SoFis repeated mishandling of my deferment request, unexplained interest rate changes, and failure to honor assurances from both representatives and a manager have caused unnecessary financial and emotional stress. 

Thank you for your attention to this matter. 
Please contact me if any questions or clarification is needed. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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