vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am writing to dispute the following accounts on my credit report. I respectfully request that the issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute, separated by each credit bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/year>, {$1100.00} Late Payments : XXXX  XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I received a denial letter from XXXX XXXX credit card. The reason for the decision was bankruptcy. I have taken steps to remove this inaccurate information as it is not mine. I have contacted XXXX XXXX and the 3 agencies via the CFPB portal. It is unjust that my property could be used for the benefit of the companies but not for the enjoyment of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2025-12-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a bed back in XXXX for almost {$5000.00} now this company is stating that I owe them {$170.00} a month when I purchased this bed they said that my bill was only {$71.00} a month. I missed the payment because I did not receive my card and I was going through a lot of back-and-forth with the mattress firm due to missing pieces and I didnt know if I was gon na keep the furniture and return it so I had not gotten a bill and I had not gotten the card or anything. The account became past due for one month I called in XXXX and I made a payment for XXXX and XXXX bill. I told him that I would like the late fee wave since I was having a difficult time and I did not receive the car they agreed and they waved the late fee, but they told me they could not waive the late fee until after I received my card so I paid the bill for XXXX And XXXX and I left a late fee this month. I get another bill for XXXX something dollars stating that they charge me again for too late fees, even though they wave one they never initially waive the late fee. They just added a credit of {$30.00} to my principal balance. I also advised them that I received a credit from the store so that should adjust my payments as well they have not adjusted my payments. They have all these interest fees, and I am not satisfied with the service at all at this point I would like for someone in corporate to review my account and fix it accordingly so that my bill reflects the {$71.00} a month and that my next bill is due on XX/XX/XXXX if not, I will be trying to figure out how I can return this entire {$5000.00} purchase to the store and going with another mattress company who has a more affordable rate we can either get this adjusted or I can return the purchase as I was told. I have 120 days to return this purchase.

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 2025-12-03 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: NY

Complaint narrative:
I ordered 2 tvs from XXXX XXXX I returned the tvs and XXXX XXXX refunded my money back on XXXX the bank direct express took back the XXXX and they don't want to give it back. I need help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I attempted to dispute several inaccurate addresses on my Experian credit report. These addresses do not belong to me, and I have never lived at them. When I contacted Experian by phone, multiple representatives repeatedly told me they can not dispute addresses tied to creditors and that I must contact each creditor myself. This is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ) 611, which requires Experian to accept and investigate disputes of inaccurate personal information. 



Instead of deleting these wrong addresses, Experian took my current verified address and reassigned it to the disputed addresses and accounts without my permission. This made it appear as if I had lived at or was connected to those incorrect addresses, which is false. I did NOT authorize Experian to attach my current address to those accounts. 



This is a form of address scrubbing or file patching, which violates FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ). Rather than correct the inaccurate information, Experian manipulated my personal identifying information to match disputed accounts and avoid reinvestigation. 



I requested verification and correction of the addresses. Experian refused to provide the requested information and refused to process my dispute. The U.S.-based dispute department was not made available to me, and I was routed only to offshore call centers that claimed they had no authority to help.

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 2025-12-03 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 was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Consumer complaint received 2025-12-03 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: UT

Complaint narrative:
A number of accounts have been reported to all credit bureaus by XXXX XXXX whiles litigation is still pending at the XXXX XXXX Court XXXX XXXX XXXX in Utah. 

Illegal and junk and unexplained fees were added to credit card balances that is above credit limit. 

XXXX XXXX has not been able to provide statements that separates charges and fees etc. and only provided a summary of the statement that does not share light on the debt.

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 2025-12-03 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: UT

Complaint narrative:
A number of accounts have been reported to all credit bureaus by XXXX XXXX whiles litigation is still pending at the XXXX XXXX Court XXXX XXXX XXXX in Utah. 

Illegal and junk and unexplained fees were added to credit card balances that is above credit limit. 

XXXX XXXX has not been able to provide statements that separates charges and fees etc. and only provided a summary of the statement that does not share light on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Westlake Services, LLC
State: TN

Complaint narrative:
This lease was originally owned by another company it was then transferred to west lake with incorrect amount owed. I have reached out to them several times without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I purchased a mattress from XXXX XXXX on XX/XX/XXXX for {$1200.00} using a 12-month 0 percent interest promotion. My wife and I returned the mattress within the 30-day window. On XX/XX/XXXX, we purchased a replacement mattress for {$3200.00} using a separate 60-month 0 percent interest promotion. 

At the time of the return and repurchase, I believed the original promotional financing would be closed out and the return credit would be applied directly to the new purchase. I was not informed that Mattress Firm and Synchrony would keep two separate financing accounts open after the exchange. I reasonably assumed the accounts were consolidated because the return and repurchase were processed as a single transaction at the store. 

After the second purchase, I set up automatic monthly payments for the exact amount needed to pay off the new 60-month promotional balance on schedule. Since autopay was in place and the total promotional amount matched the new mattress purchase, I had no reason to believe a second, older promotional account remained active in parallel. 

More than a year later, I learned that the return credit was applied to the new purchase instead of closing the original 12-month plan. As a result, the 12-month promotional account still had a balance that I did not realize needed separate payments. Because autopay was only covering the new 60-month plan, the older plan expired with a remaining balance, and Synchrony added {$440.00} in deferred interest on the original {$1200.00} promotion. 

I paid the old balance in full immediately to stop additional interest from accruing. I then disputed the charge with Synchrony. The dispute was denied, and efforts to escalate were met with inconsistent answers. I continue to make perfect, on-time autopayments on the 60-month promotional balance, which remains open through XXXX. 

I am requesting that Synchrony review this situation and refund the {$440.00} deferred interest. I acted in good faith, paid on time, relied on autopay, and reasonably believed the original promotional plan had been closed after the return. The parallel account structure created confusion that was not apparent from the return process, and the interest resulted solely from a misunderstanding about how the two accounts were handled after the exchange.

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 2025-12-03 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: FL

Complaint narrative:
XXXX: Incorrect Late Payment Reporting  Account #XXXXXXXXXXXX XXXX XXXX am disputing an incorrect late payment that has been applied to my auto loan account listed aboveXXXXMy monthly due date is the XXXX, as shown on my billing statement dated XXXX Your own payment history shows that I made payments on:\XXXX  XXXX XXXX XXXX XXXXThese payments clearly show that I did not miss a month and was never 30 days past due at any point. A payment made on XXXX  is XXXX day after the statement date, nowhere near 30 days late. Reporting it as a late payment is inaccurate and violates FCRA accuracy standardsXXXXI am requesting that XXXXRemove the incorrect late payment associated with XXXX  XXXXCorrect the account status to reflect on-time paymentsXXXXProvide written confirmation once the correction is made.XXXXPlease investigate and correct this promptlXXXXSincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$20.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - {$14000.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief