vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: WI

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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 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 2025-07-24 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: TX

Complaint narrative:
There is Inaccurate and misleading information currently reported on my Equifax and TransUnion XXXX file regarding the collection account listed under XXXX XXXX/ XXXX XXXX  ( Account # ending in XXXX ). 

This account does not appear on my Experian credit report as of XX/XX/year>, which raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which mandates that consumer credit information be 100 % accurate and verifiable. Inconsistent reporting across major bureaus indicates a failure to ensure accuracy and completeness. If this debt were valid and accurate, it should be reflected uniformly across all credit reports. 

In accordance with 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation upon notification of a dispute. If this account can not be verified with documented evidence from the furnisher, it must be promptly deleted from my credit file.

Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in the collection of a debt. Reporting or selling unverified or disputed debts is considered a violation.

15 U.S.C. 1692e ( 8 ), which prohibits communicating false credit information, including failing to indicate that a debt is disputed. 
15 U.S.C. 1692c, which restricts improper communication by debt collectors, including contacting the consumer at inconvenient times, places, or after a cease-and-desist request. If this alleged debt has been sold or reassigned without honoring my consumer rights, it may constitute a further violation of federal law.

Furthermore, if this debt has been sold or transferred to another entity while in dispute, such action without proper validation and disclosure would also be a direct violation of these federal protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I got a Synchrony Credit Card from Floor or Decor to for a promotion which I thought was a 2 year promotion. I come to find out it's a 1.5 year promotion.

I was recently charged the rolling interest without any notification from the bank what so ever.

When i got on the call with the bank manager she told me my " statement '' is available on line every single month, she then was unable to trouble shoot where i could find my statement in my account as i explained everything on the screen that was in front of me, she was unable to tell me where my statement was or where it notified me that my promotion was coming to an end. 

She kept telling me i received emails, which I did however as we both came to find out finding that my promotion was coming to an end or even finding my statement on their website was difficult, and we didn't even end up finding it, she then transferred me to tech support. 

This feels predatory in the fact that I received no notice that my promotion was coming to an end, from emails, phone calls nothing. I just got charged {$3600.00}. 

As you can see in the attached screenshot there is no way to view my statement just past transactions

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 2025-07-24 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: NY

Complaint narrative:
I have made my car payments in full and there are several months that I see on my credit report that show {$0.00} paid. I am not sure how this is happening. They are falsely reporting information to the credit reporting agencies which has caused my credit score to drop. There are laws to protect consumers and hold companies liable and financially responsible. I requested a copy of my payment ahistory from the company and it clearly shows all my payments were made in full. My credit report does not match any of that. Also back months ago, my credit report shows that the balance on my car loan increase and it says due to missing payments. It also dropped my credit score XXXX points. From the lender 's records it shows there has never been a late or missing payment. Also there are months that show {$18.00} went towards the principal balance. This company is a total fraud and I as a consumer have no control and I have contacted the company the XXXX XXXX XXXX  and the XXXX Attorney General and no one is willing to help me. I am a low income woman that no one cares about. Companies screw over little people and nothing ever gets done even though there are laws to protect consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have made my car payments in full and there are several months that I see on my credit report that show {$0.00} paid. I am not sure how this is happening. They are falsely reporting information to the credit reporting agencies which has caused my credit score to drop. There are laws to protect consumers and hold companies liable and financially responsible. I requested a copy of my payment ahistory from the company and it clearly shows all my payments were made in full. My credit report does not match any of that. Also back months ago, my credit report shows that the balance on my car loan increase and it says due to missing payments. It also dropped my credit score XXXX points. From the lender 's records it shows there has never been a late or missing payment. Also there are months that show {$18.00} went towards the principal balance. This company is a total fraud and I as a consumer have no control and I have contacted the company the XXXX XXXX XXXX and the XXXX Attorney General and no one is willing to help me. I am a low income woman that no one cares about. Companies screw over little people and nothing ever gets done even though there are laws to protect consumers.

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 2025-07-24 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: NY

Complaint narrative:
I have made my car payments in full and there are several months that I see on my credit report that show {$0.00} paid. I am not sure how this is happening. They are falsely reporting information to the credit reporting agencies which has caused my credit score to drop. There are laws to protect consumers and hold companies liable and financially responsible. I requested a copy of my payment ahistory from the company and it clearly shows all my payments were made in full. My credit report does not match any of that. Also back months ago, my credit report shows that the balance on my car loan increase and it says due to missing payments. It also dropped my credit score XXXX points. From the lender 's records it shows there has never been a late or missing payment. Also there are months that show {$18.00} went towards the principal balance. This company is a total fraud and I as a consumer have no control and I have contacted the company the XXXX XXXX XXXX  and the XXXX Attorney General and no one is willing to help me. I am a low income woman that no one cares about. Companies screw over little people and nothing ever gets done even though there are laws to protect consumers.

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 2025-07-24 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:
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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am filing a complaint regarding two private student loans originally issued by XXXX XXXX and now serviced by Navient. These loans were disbursed in XXXX and XXXX to attend The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit institution that has since been cited for misconduct. In XXXX, the XXXX XXXX XXXX XXXX  discharged all of my federal student loans tied to this school under Borrower Defense to Repayment due to findings of fraud and misrepresentation. 

Despite this, I am still being held responsible for the private loanseven though they financed the same discredited education. These loans have grown due to over a decade of high interest rates and compounding. They are now financially crushing, despite years of on-time payments.

Loan 1 Original Principal : {$19000.00} Disbursed Total : {$24000.00} Disbursed : XX/XX/XXXX Current Balance : {$28000.00} Interest Rate : 14.625 % fixed Total Accrued Interest : {$50000.00} Loan 2 Original Principal : {$13000.00} Disbursed Total : {$16000.00} Disbursed : XX/XX/XXXX Current Balance : {$17000.00} Interest Rate : 12.500 % fixed Total Accrued Interest : {$26000.00} I began repayment in early 2012 and have never missed a single payment on either loan in over 13 yearsdespite financial hardship and the lack of value from the education received. These interest rates are excessively high by todays standards and have resulted in the loans growing far beyond their original amounts. 

My mother co-signed these loans when I was still a student. She is now approaching retirement and remains financially entangled in a situation that neither of us could have anticipatedespecially considering that the Department of Education has already acknowledged the wrongdoing of the school and forgiven my federal loans. 

I am now a full-time public school teacher and enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX ) program for my federal loans. I am not seeking to avoid accountabilityI am asking for relief and consistency. These private loans are still tied to a school that was proven to have misled students. 

I am respectfully requesting : Full or partial discharge of these private loans, or at minimum, A co-signer release and/or reduced settlement aligned with federal forgiveness actions, And a review of these accounts based on unjust enrichment, borrower defense principles, and over a decade of on-time payments made in good faith. 

Please help bring consistency between how federal and private borrowers are treated in cases where the institution was found to have misled students. 

Thank you for reviewing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint to report a serious and harmful inaccuracy related to a XXXX XXXX credit card account that is currently damaging my credit profile due to unlawful reporting practices.\n\nThis account was charged off, yet it is being reported in violation of the following:\n\n1.  Violation of the CARES Act (Public Law 116-136)\nThe CARES Act, effective XXXX XXXX XXXX, through XXXX XXXX XXXX, amended the Fair Credit Reporting Act (FCRA) under Section 4021, requiring furnishers to pause negative credit reporting for accounts under accommodation due to COVID-19 hardship.\n\nDuring this time, I experienced financial hardship due to the pandemic and was entitled to protection from adverse credit reporting. Despite this, XXXX XXXX reported my account as delinquent and ultimately charged off the account in early XXXX XXXX, which violated the law during an active CARES protection window.\n\n2.  Illegal Re-Aging of Charge-Off (FCRA  605(c)  15 U.S.C.  1681c)\nEven more concerning, XXXX XXXX re-aged the charge-off by continuing to report the account as newly delinquent from XXXX XXXX through XXXX XXXX, falsely making the account appear more recent and more damaging than it actually is.\n\nUnder the FCRA:\n\nThe Date of First Delinquency (DOFD) governs the reporting period for derogatory items. Re-aging the delinquency date or updating the account in a way that misrepresents the original default is strictly prohibited under 15 U.S.C.  1681c(a)(4).XXXX XXXX monthly updates to this charge-off are misleading and suggest ongoing activity where none exists, which illegally extends the damage to my credit score and falsely resets the accounts reporting life cycle.\n\n Requested Resolution:\nI am requesting the following corrective action:\n\nThe negative reporting for this card has prompted this account to be deleted;\n\nIf the account was reported during CARES Act protection due to hardship, then the entire charge-off entry must be removed as a violation of federal law;\n\nProvide written confirmation and a corrected credit report upon completion of the investigation.\n\nThis inaccurate and unlawful reporting has directly harmed my ability to access credit, housing, and fair financial opportunities.\n\nPlease escalate this complaint and provide a resolution in accordance with the Fair Credit Reporting Act and the CARES Act.\n\nSincerelyXXXX 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 explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint to report a serious and harmful inaccuracy related to a XXXX XXXX credit card account that is currently damaging my credit profile due to unlawful reporting practices.\n\nThis account was charged off, yet it is being reported in violation of the following:\n\n1.  Violation of the CARES Act (Public Law 116-136)\nThe CARES Act, effective XXXX XXXX XXXX, through XXXX XXXX XXXX, amended the Fair Credit Reporting Act (FCRA) under Section 4021, requiring furnishers to pause negative credit reporting for accounts under accommodation due to COVID-19 hardship.\n\nDuring this time, I experienced financial hardship due to the pandemic and was entitled to protection from adverse credit reporting. Despite this, XXXX XXXX reported my account as delinquent and ultimately charged off the account in early XXXX XXXX, which violated the law during an active CARES protection window.\n\n2.  Illegal Re-Aging of Charge-Off (FCRA  605(c)  15 U.S.C.  1681c)\nEven more concerning, XXXX XXXX re-aged the charge-off by continuing to report the account as newly delinquent from XXXX XXXX through XXXX XXXX, falsely making the account appear more recent and more damaging than it actually is.\n\nUnder the FCRA:\n\nThe Date of First Delinquency (DOFD) governs the reporting period for derogatory items. Re-aging the delinquency date or updating the account in a way that misrepresents the original default is strictly prohibited under 15 U.S.C.  1681c(a)(4).XXXX XXXX monthly updates to this charge-off are misleading and suggest ongoing activity where none exists, which illegally extends the damage to my credit score and falsely resets the accounts reporting life cycle.\n\n Requested Resolution:\nI am requesting the following corrective action:\n\nThe negative reporting for this card has prompted this account to be deleted;\n\nIf the account was reported during CARES Act protection due to hardship, then the entire charge-off entry must be removed as a violation of federal law;\n\nProvide written confirmation and a corrected credit report upon completion of the investigation.\n\nThis inaccurate and unlawful reporting has directly harmed my ability to access credit, housing, and fair financial opportunities.\n\nPlease escalate this complaint and provide a resolution in accordance with the Fair Credit Reporting Act and the CARES Act.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Someone walked into the XXXX XXXX store On XXXX on XXXX, XXXX  ( 2 hrs from me ) and opened a credit card under my name and charged {$590.00}. 
When I received the credit card in the mail I called Barclays customer service to report this fraud XX/XX/2025. They said they would turn it over to their fraud dept to do an investigation. They came back to me and said the account was valid because I benefitted from use of this card. The amount due is now {$1200.00} and I am liable for it. I did not request this card or charge the mdse on it. The fraud status has been removed and they will not write it off.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 four 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5800.00}

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation