vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
1. What is your complaint about?

Credit reporting improper handling of account, inaccurate information, illegal re-aging, and failure to investigate disputes. 



2. Name of the company you are complaining about : EQUIFAX XXXX XXXX XXXX XXXX. What happened? ( Complaint Narrative ) I am filing this complaint against XXXX  and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). 

The account XXXX XXXX XXXX  No. XXXX has been illegally reported and mishandled in the following ways : 1. Repeated monthly reporting of Charge Off for years, constituting illegal re-aging prohibited under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). This creates the false impression of ongoing delinquency.


2. Improperly updating the Date Closed to make the account stay on my credit report longer than legally allowed, in violation of FCRA, 15 U.S.C. 1681c ( a ).

3. Incorrect Date Opened listed, which alters the legally allowed reporting period.

4. Simultaneous monthly reporting as both Collection and Charge Off, which is inaccurate and misleading.
5. The account is past the 7-year reporting limit for negative items under FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) and should have been deleted.

6. XXXX  has ignored my previous disputes and failed to conduct a proper investigation within the required 30 days under FCRA, 15 U.S.C. 1681i ( a ). 

This is a clear case of deceptive and harmful credit reporting practices that must be addressed immediately. 



4. What do you think would be a fair resolution to your issue? ( Desired Resolution ) Immediate and permanent deletion of this account from all of my credit reports.

Investigation and enforcement action against XXXX  for illegal re-aging, altering account dates, and ignoring dispute obligations. 
Assurance that these harmful practices will not be repeated with other consumers. 



5. Supporting documents you can attach : Copies of recent credit reports showing the repeated monthly Charge Off and altered dates.

Records of disputes submitted to XXXX. 
Any correspondence from XXXX XXXX XXXX or XXXX  regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Synonovus .. first progress is inaccurately reporting an account on my credit and refuses to fix the mistake. This a duplicate reporting of an in good standing credit card that was I closed due to how first progress does business. The balance is showing XXXX but should be XXXX and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PR

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( XXXX U.S.C.XXXX ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( XXXX U.S.C. XXXX ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX  XXXX REPORTING ON ALL BUREAU ( EXPERIAN, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, EQUIFAX, AND XXXX XXXX ) XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under XXXX U.S.C. XXXX ( b ) and XXXX of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year> I was on XXXX and while on XXXX, I saw an ad where if I completed a survey, I got a free waterslide. So I did the survey and then at the end of the survey it asked for my debit card number so it would charge me for {$9.00} for the shipping fee for the waterslide so I put in my debit card and as soon as I put in my debit card, I had two transactions with different names ( both ending in ebooks ) at XXXX take back to back transactions off my card. One transaction was for {$14.00} and the other transaction was for {$37.00}. Soon as I seen I was being scammed I turned my debit card off and logged off of XXXX and reported my card had fraudulent activity on it and got another debit card. I reported to chime that I was scammed on both transactions but they keep denying me my money back for the {$37.00} transaction that was taken out my account during the spam transaction. They gave me my {$14.00} back from the first transaction but wont give me my second transaction money back which was the {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against the following companies for reporting closed or unvalidated accounts that I do not owe and that I have formally disputed : XXXX  XXXX {$0.00} reported balance ( closed ) XXXX  {$0.00} reported balance ( closed ) XXXX  {$0.00} reported balance ( closed ) XXXX XXXX XXXX XXXX {$0.00} reported balance, {$500.00} credit limit ( closed ) XXXX XXXX XXXX XXXX {$9100.00} reported balance, {$10000.00} credit limit ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( closed ) Nature of the Complaint These are closed accounts that I do not owe. I have no contractual, financial, or personal relationship with these companies. I have never signed any contract, application, or purchase agreement with them. 
I have formally disputed each account in writing and requested proof of the original signed contract or purchase agreement linking me to the alleged debt. To date, none of these companies have provided any validation or documentation to prove the debts are mine. 

Legal Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g & 1692c Requires debt collectors to cease collection activities until a disputed debt is validated with proper documentation.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n & 1681s-2 ( b ) Prohibits the reporting of inaccurate or unverified information to credit reporting agencies and requires prompt correction or deletion of such information once disputed. 
Continuing to report these accounts without providing proof of validity is willful noncompliance with federal law. This is a pattern of unlawful reporting, not an isolated incident. 
Harm Caused These false reports have damaged my credit score, interfered with my ability to secure financing, and caused reputational and financial harm.

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 2025-08-12 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: FL

Complaint narrative:
I am filing a complaint against the following companies for reporting closed or unvalidated accounts that I do not owe and that I have formally disputed : XXXX  XXXX {$0.00} reported balance ( closed ) XXXX  {$0.00} reported balance ( closed ) XXXX  {$0.00} reported balance ( closed ) XXXX XXXX XXXX XXXX {$0.00} reported balance, {$500.00} credit limit ( closed ) XXXX XXXX XXXX XXXX {$9100.00} reported balance, {$10000.00} credit limit ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( closed ) Nature of the Complaint These are closed accounts that I do not owe. I have no contractual, financial, or personal relationship with these companies. I have never signed any contract, application, or purchase agreement with them. 
I have formally disputed each account in writing and requested proof of the original signed contract or purchase agreement linking me to the alleged debt. To date, none of these companies have provided any validation or documentation to prove the debts are mine. 

Legal Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g & 1692c Requires debt collectors to cease collection activities until a disputed debt is validated with proper documentation.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n & 1681s-2 ( b ) Prohibits the reporting of inaccurate or unverified information to credit reporting agencies and requires prompt correction or deletion of such information once disputed. 
Continuing to report these accounts without providing proof of validity is willful noncompliance with federal law. This is a pattern of unlawful reporting, not an isolated incident. 
Harm Caused These false reports have damaged my credit score, interfered with my ability to secure financing, and caused reputational and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} REPORTING ON XXXX  AND EQUIFAX XXXX  XXXX XX/XX/XXXX {$2000.00} REPORTING ON EQUIFAX XXXX XXXX XX/XX/XXXX {$1100.00} REPORTING ON EQUIFAX XXXX XXXX XX/XX/XXXX {$560.00} REPORTING ON EQUIFAX XXXX XXXX XX/XX/XXXX {$640.00} REPORTING ON EQUIFAX XXXX  XXXX XX/XX/XXXX {$620.00} REPORTING ON EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX {$8000.00} {$5600.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$14000.00} {$28000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 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 2025-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account 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 explanation
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX NA Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/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 2025-08-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XX/XX/XXXX- Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX FINANCE - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX BANK XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

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 XXXX U.S.C. XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
I have two inquiries on my Equifax report that I didn't authorize this company to pull my credit report. I talked to Equifax and they stated that if I send my FTC report they will delete the inquiries. I did that and they still keep giving me the run around. The same with Transunion and they still keep giving me the run around. I didn't give these companies permission to run my credit, so I want them off immediately.

Company response to consumer: Closed with non-monetary relief