vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NY

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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXXXXXX - XXXX and Federal - XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( United States XXXX Court for the XXXX XXXX XXXX Illinois ) that they do not report or furnish XXXX proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that the credit bureaus lack a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXXXXXX - XXXX and Federal - XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( United States XXXX Court for the XXXX XXXX XXXX Illinois ) that they do not report or furnish XXXX proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that the credit bureaus lack a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The following Equifax entries are inaccurate and/or incomplete under FCRA 607 ( b ) and 611 ( including 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). Codes are not proof. You must conduct an independent reinvestigation ( XXXX ) and obtain documentary evidencerunning statements/ledger showing due date, receipt, and posting per late month ; for XXXX XXXX, provide XXXX  and XXXX. 
XXXX ) XXXX XXXX XXXX Acct XXXX ( Installment, Open ) Your XXXX file shows : Balance {$26000.00} vs High Credit {$24000.00} ; Past Due {$1300.00} ; history XXXX XXXX, XXXX XXXX ; narrative not more than XXXX payments past due. Defects & XXXX : XXXX XXXX XXXX XXXX on an installment is facially inaccurate. FCRA 607 ( b ) ; XXXX XXXX XXXX ( a ). 
Narrative overstates severity ( implies up to XXXX ) vs XXXX  ( XXXX ). 
XXXX XXXX : ( XXXX ) vs XXXX XXXX ; ( XXXX ) ; ( XX/XX/XXXX ) ; ( XXXX ) must align with narrative. All late months disputed : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 
XXXX ) XXXX XXXX XXXX XXXX Acct XXXX ( Revolving, Open ) Your XXXX file shows : XXXX  shows XXXX  for XXXX XXXX while fields list Past Due {$90.00} and narrative not more than XXXX payments past due. Defects & Law : Contradiction between XXXX  XXXX  and past-due fields/narrative. FCRA 607 ( b ). 
XXXX XXXX : Payment History/Rating ( XXXX ) must match Amount Past Due ( XXXX ) and status ; ( XX/XX/XXXX ) must reconcile to late sequence. All late months disputed : Every month you coded as past due in your fields/narrative despite an XXXX XXXX ( including XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
Actions requested from creditors Investigate and remove fraudulent charges or accounts. You can ask the creditor to investigate and remove specific transactions, close unauthorized accounts, and reverse any related fees. 
Acknowledge and document fraudulent debt. For accounts opened fraudulently, you should request that the creditor recognize the debt is not yours and provide a letter stating that they have closed the account and XXXX the debt. This letter is critical proof if the error reappears on your credit report. 
Provide copies of application and transaction records. Under the Fair Credit Reporting Act ( FCRA ), victims have the right to request copies of the business records used to create the fraudulent account or transactions, such as credit applications and account statements. These records can help document the fraud. 
Update credit reporting. Request that the creditor notify the credit reporting agencies to update your file with the accurate information. Once notified, creditors can not report the fraudulent debt to XXXX. 
Provide information to collection agencies. If the debt has been sold to a collection agency, you can request that the creditor provide information to the collector to help clear the account.

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 2025-10-14 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:
Actions requested from creditors Investigate and remove fraudulent charges or accounts. You can ask the creditor to investigate and remove specific transactions, close unauthorized accounts, and reverse any related fees. 
Acknowledge and document fraudulent debt. For accounts opened fraudulently, you should request that the creditor recognize the debt is not yours and provide a letter stating that they have closed the account and XXXX the debt. This letter is critical proof if the error reappears on your credit report. 
Provide copies of application and transaction records. Under the Fair Credit Reporting Act ( FCRA ), victims have the right to request copies of the business records used to create the fraudulent account or transactions, such as credit applications and account statements. These records can help document the fraud. 
Update credit reporting. Request that the creditor notify the credit reporting agencies to update your file with the accurate information. Once notified, creditors can not report the fraudulent debt to XXXX. 
Provide information to collection agencies. If the debt has been sold to a collection agency, you can request that the creditor provide information to the collector to help clear the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XX/XX/year>, I opened a promotional financing offer with Synchrony XXXX  for a XXXX XXXX  XXXX under the understanding that no interest would be charged if the balance was paid off within the promotional period. I made consistent monthly payments and believed I was in good standing. 

Unfortunately, due to confusion around the due date or a timing issue on the final payment, I was charged over {$1500.00} in deferred interest once the promotional period ended. I was shocked to see this amount added to my account and immediately contacted Synchrony for clarification and assistance. 

I called customer service, spoke with supervisors, submitted a written dispute, and even opened a formal complaint through the CFPB. In all of these, I asked for documentation explaining how the interest was calculated and for a reconsideration based on my good payment history and genuine intent to pay the balance. 

Instead of providing transparency or options for resolution, Synchrony denied the dispute, closed my CFPB case, and left me responsible for the full deferred interest. They also have refused further escalation through online chat or phone support. 

I am requesting that Synchrony waive or significantly reduce the deferred interest charges on my account due to : My consistent good-faith payments, Lack of timely or clear communication from the company, My multiple attempts to resolve the issue directly. 

I have acted in good faith and exhausted all normal channels. I am hoping CFPB can step in and help facilitate a fair resolution.

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 monetary relief
Consumer complaint received 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX 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 2025-10-14 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: 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 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 2025-10-14 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit report contains inaccurate personal information that violates FCRA 's requirement for maximum possible accuracy under 15 USC 1681e ( b ). I demand that this error be corrected immediately. My current and only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The following address is incorrect and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This inaccuracy is misleading, damaging, and must be permanently deleted. It has caused harm to my credit report and could negatively affect my ability to secure loans, credit, and other financial opportunities. Such incorrect information violates my rights under the Fair Credit Reporting Act ( FCRA ) and has created unnecessary confusion regarding my personal history. 
I expect an immediate investigation into this inaccuracy, followed by prompt correction of my credit report. I request written confirmation of the correction and assurance that this error will not be reinserted in the future. I also request that you comply with all applicable legal requirements, including notifying me within the time frames set by the FCRA regarding any updates to my personal information on my credit file. This false record must be removed to ensure that my credit report reflects only accurate and verified information about my identity and history. I trust that this matter will be resolved quickly, and I expect to be notified once my file has been updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 checked my credit report this morning and saw that the inaccurate late payments are still showing there, which is really frustrating. Even after refreshing my browser, nothing changed. I need the documents I sent to be reviewed carefully so this can finally be fixed once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 submitting this formal complaint regarding EQUIFAX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided EQUIFAX with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EQUIFAX failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores EQUIFAX 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 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

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