vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
I. Summary of Complaint I am filing this complaint against XXXX Bank, Equifax, XXXX XXXX XXXX for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) by re-aging charge-offs, failing to delete disputed accounts, and ignoring formal deletion requests from Elite Legal Practice in XX/XX/year>. 
Despite my formal disputes submitted on XX/XX/year>, these entities have continued reporting inaccurate charge-offs each month, preventing my credit from recovering and misleading lenders. Additionally, XXXX XXXX XXXX sent deletion requests in XX/XX/year>, yet XXXX and the credit bureaus failed to remove disputed accounts, violating their obligations under federal law. 
XXXX XXXX XXXX sent deletion requests on XX/XX/year>, yet XXXX continued reporting negative information. 

XXXX. Violations Committed by Credit Bureaus XXXX Equifax, XXXX XXXX ) Failure to Delete Inaccurate Information ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ) ) XXXX XXXX XXXX ( XXXX ) Credit bureaus failed to remove disputed charge-offs despite deletion requests. 

XXXX XXXX ( XXXX ) Continued reporting of inaccurate charge-offs after formal disputes. 

XXXX XXXX ( XXXX ) Failure to delete disputed information despite XXXX XXXX Practices request. 

XXXX XXXX ( XXXX ) Credit bureaus ignored deletion requests and continued reporting charge-offs. 

Failure to XXXX Accounts as Disputed ( FCRA 15 U.S.C. 1681c ( f ) ) All above accounts Credit bureaus did not flag disputed status on the credit report, misleading lenders.

III. Florida Consumer Law Violations Reporting False Information ( FCCPA 559.72 ( 9 ) ) XXXX Bank XXXX Credit Bureaus XXXX reporting false charge-offs despite formal disputes. 

Failure to Investigate Consumer Disputes ( XXXX XXXX ) XXXX Bank XXXX Credit Bureaus XXXX XXXX XXXX XXXX deletion request and failed to investigate disputes. 

Deceptive Trade Practices ( XXXX XXXX ) XXXX Bank XXXX Credit Bureaus XXXX creditworthiness by failing to correct inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I. Summary of Complaint I am filing this complaint against Synchrony Bank, XXXX XXXX XXXX XXXX for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) by re-aging charge-offs, failing to delete disputed accounts, and ignoring formal deletion requests from Elite Legal Practice in XX/XX/year>. 
Despite my formal disputes submitted on XX/XX/year>, these entities have continued reporting inaccurate charge-offs each month, preventing my credit from recovering and misleading lenders. Additionally, XXXX XXXX XXXX sent deletion requests in XX/XX/year>, yet Synchrony and the credit bureaus failed to remove disputed accounts, violating their obligations under federal law. 
XXXX XXXX XXXX sent deletion requests on XX/XX/year>, yet Synchrony continued reporting negative information. 

XXXX. Violations Committed by Credit Bureaus XXXX XXXX XXXX XXXX XXXX Failure to Delete Inaccurate Information ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ) ) XXXX XXXX XXXX ( XXXX ) Credit bureaus failed to remove disputed charge-offs despite deletion requests. 

XXXX XXXX ( XXXX ) Continued reporting of inaccurate charge-offs after formal disputes. 

XXXX XXXX ( XXXX ) Failure to delete disputed information despite XXXX XXXX Practices request. 

Synchrony XXXX ( XXXX ) Credit bureaus ignored deletion requests and continued reporting charge-offs. 

Failure to XXXX Accounts as Disputed ( FCRA 15 U.S.C. 1681c ( f ) ) All above accounts Credit bureaus did not flag disputed status on the credit report, misleading lenders. 

XXXX. Florida Consumer Law Violations Reporting False Information ( XXXX XXXX ( XXXX ) ) Synchrony Bank XXXX Credit Bureaus XXXX reporting false charge-offs despite formal disputes. 

Failure to Investigate Consumer Disputes ( XXXX XXXX ) Synchrony Bank XXXX Credit Bureaus XXXX XXXX XXXX XXXX deletion request and failed to investigate disputes. 

Deceptive Trade Practices ( XXXX XXXX ) Synchrony Bank XXXX Credit Bureaus XXXX creditworthiness by failing to correct inaccurate 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 2025-06-16 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:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX  TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

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! 


Update 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-16 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: FL

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding a federal student loan account that was reported negatively to the credit bureaus by my loan servicer, despite being part of a loan forgiveness program. 

I was under the understanding that my student loan was eligible for forgiveness and in the process of being XXXX. However, the loan servicer has reported missed or delinquent payments, which caused a drop of XXXX points on my credit score. 

I have repeatedly attempted to contact the loan servicer by phone and email to resolve this matter, but I have not received adequate assistance or response. My credit report now reflects inaccurate information, and I am being penalized for a situation that is outside of my control and contrary to the forgiveness status I was promised. 

This situation is severely impacting my credit standing and financial well-being. I am requesting that the CFPB intervene to : XXXX. Investigate this misreporting XXXX. Require the loan servicer to correct the credit reporting errors XXXX. Provide an official update on the forgiveness status of the loan XXXX. Ensure that my credit score is restored to its prior level if the reporting is found to be inaccurate Relevant Details : Loan servicer : XXXX  Approximate date the forgiveness process began : XXXX Credit score drop : XXXX points Attempts to contact : My loan has been switched to multiple loan companies that have not helped me, but for XXXX, I have been reaching out to them starting on XX/XX/XXXX via email and also phone with no resolution. 

I have attached/saved documentation supporting this claim and am happy to provide additional information if needed. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
escrow analysis includes forced place insurance without prior notification surplus of escrow funds " increased '' monthly payment eff XX/XX/XXXX instead of a " surplus '' reduction to lower future payments ; how could this be possible when there is a foreclosure sale date on XX/XX/XXXX completed application from XXXX XXXX should have halted the " Foreclosure '' but instead escalated the process with a sale date XXXX XXXX ( XXXX ) sold the loan to Shellpoint who initially blocked me from submitting documents ; now they accepted documents ; expect a payment on XX/XX/XXXX from the original trial payment plan from XXXX yet canceled the existing " trial payment plan approval '' ; dates are backdated to reflect their time of error like on XX/XX/XXXX, instead of " real time '' like XXXX after numerous phone calls ; for example, Shellpoint refused to speak to me between XX/XX/XXXX thru XXXX about the loan because they said the information on file was only related to the " Estate '' documents received weeks later who back dates including a certified letter receive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Despite multiple attempts to resolve this matter directly with the company involved, I have not received any assistance or correction from them. I have reached out to the company several times to address the issue, but they have been unresponsive and unwilling to provide any resolution. As a result, I am turning to you to investigate this matter and correct the information under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-16 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am receiving tons of mail stating that I am responsible for an incorrect debt. Once the school XXXX me under false allegations, they dismissed me from completing my degree. That's when I was told I had to pay a total of {$650.00} to continue classes, which I did not understand, given that I was on a scholarship. I feel harrassed and that illegal debt has been put in my name and has been ruining my credit. Each email states different amounts owed.

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 2025-06-16 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: MI

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 2025-06-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

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 2025-06-16 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:
I am writing to report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and XXXX not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

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 2025-06-16 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I am now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-06-16 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief