vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D. Please provide the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send an updated copy of my credit report after you re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CO

Complaint narrative:
I am writing to dispute a significant and sudden drop in my credit scoreover XXXX points across all three credit bureausdue to a reported late payment. However, upon reviewing my account, all of my payments are currently marked as up to date. I am confused as to how a late payment is being reported when there is no evidence of a missed or overdue payment on my end. 

This discrepancy is severely impacting my XXXX XXXX, which I have worked diligently to maintain above XXXX. I kindly request a thorough investigation and correction of this error, as it does not accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CO

Complaint narrative:
I am writing to dispute a significant and sudden drop in my credit scoreover XXXX points across all three credit bureausdue to a reported late payment. However, upon reviewing my account, all of my payments are currently marked as up to date. I am confused as to how a late payment is being reported when there is no evidence of a missed or overdue payment on my end. 

This discrepancy is severely impacting my XXXX XXXX, which I have worked diligently to maintain above XXXX. I kindly request a thorough investigation and correction of this error, as it does not accurately reflect my payment history.

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 2025-04-13 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. really appreciate yoir 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear Credit Bureau Representatives, I am writing to formally dispute inaccurate and unverifiable information being reported on my credit report by XXXX XXXX XXXX. This includes late payments and charge-offs, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the applicable sections of the Code of Federal Regulations. 

The items reported by XXXX XXXX XXXX are inaccurate, outdated, and/or unverified. Specifically, I challenge the validity and accuracy of the information based on the following legal grounds : 15 U.S. Code 1635 Gives consumers the right to rescind certain credit transactions within a specified timeframe when disclosures are not properly provided.

15 U.S. Code 1666b Limits how creditors can impose finance charges ; violations of this section can result in incorrect billing.

12 CFR 1026.13 This regulation addresses Billing Error Resolution and requires prompt investigation and correction of disputed charges.

15 U.S. Code 1692g Requires debt collectors to provide validation of a debt within 5 days of initial communication, and to cease collection efforts until verification is provided if disputed in writing.

15 U.S. Code 1681i ( 2 ) ( A ) States that a credit bureau must conduct a reasonable reinvestigation upon notice of dispute.

Pursuant to these statutes, I am requesting the immediate removal of all inaccurate and unverifiable information associated with XXXX XXXX XXXX from my credit reports. These entries are causing undue harm to my credit profile and are not substantiated with proper documentation as required by law. 

Under the FCRA, you are required to complete your reinvestigation within 30 days of receipt of this dispute. If the information can not be verified, it must be deleted from my file. 

Please confirm in writing that the disputed information has been deleted or updated accordingly. Also, please send me an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Synergetic Communications Inc.

Dear Credit Bureau Representatives, I am writing to formally dispute inaccurate and unverifiable information being reported on my credit report by Synergetic Communications Inc. This includes late payments and charge-offs, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the applicable sections of the Code of Federal Regulations.

The items reported by Synergetic Communications Inc. are inaccurate, outdated, and/or unverified. Specifically, I challenge the validity and accuracy of the information based on the following legal grounds : 15 U.S. Code 1635 Gives consumers the right to rescind certain credit transactions within a specified timeframe when disclosures are not properly provided.

15 U.S. Code 1666b Limits how creditors can impose finance charges ; violations of this section can result in incorrect billing.

12 CFR 1026.13 This regulation addresses Billing Error Resolution and requires prompt investigation and correction of disputed charges.

15 U.S. Code 1692g Requires debt collectors to provide validation of a debt within 5 days of initial communication, and to cease collection efforts until verification is provided if disputed in writing.

15 U.S. Code 1681i ( 2 ) ( A ) States that a credit bureau must conduct a reasonable reinvestigation upon notice of dispute.

Pursuant to these statutes, I am requesting the immediate removal of all inaccurate and unverifiable information associated with Synergetic Communications Inc. from my credit reports. These entries are causing undue harm to my credit profile and are not substantiated with proper documentation as required by law. 

Under the FCRA, you are required to complete your reinvestigation within 30 days of receipt of this dispute. If the information can not be verified, it must be deleted from my file. 

Please confirm in writing that the disputed information has been deleted or updated accordingly. Also, please send me an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
First and foremost we did not live in the apartment for the month they are trying to charge us for it is obvious because they are charging us for cleaning fees and rent fees for the same month and we did not live there. Secondly I requested and itemized receipt and all payment history that was made and the numbers do not match up to the amount they are trying to collect. They are creating charges to collect a month of rent from us while we did not live there and also keeping our deposit.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2017, I was late with my monthly mortgage payment. Despite the fact that this was over 7 years ago, the late payment still appears on my Experian credit report. 

Despite my repeated requests to Experian to correct my report, they, have not removed the delinquency that is over 7 years old. The late payment was to XXXX XXXX and they state it is Experian 's responsibility to remove outdated information Experian 's own website XXXX XXXX XXXXXXXX XXXX " A late payment could remain on your credit reports for as long as seven years and hurt your credit score the whole time. '' They are ignoring both their own guidelines and my requests so I am seeking your assistance in this matter. 

Thank you 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Incorrect information being reported. Account was paid off in full in XXXX of XXXX. 

15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681i : Consumers have the right to dispute inaccurate or incomplete information and request prompt correction or deletion.

15 U.S. Code 1681s-2 ( a ) : Data furnishers like XXXX are required to report only accurate and verifiable information.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I have asked for a copy of my wet signature with no response for any of the companies that I asked.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX not sure how to spell his last name ) is a XXXX at synchrony Bank and was unhelpful, not understanding, unprofessional, rude and not patient. I closed my account with them at the end of XXXX and have been getting interest charges on the account. Even though I close my account, they took an auto payment off of the documentation they have of my bank. When I called to find out the reason the customer representatives were very kind, but they transferred me to XXXX, who was very rude. I explained to him my frustration and he threatened to end the call. I was telling him why I was upset and he was speaking over me overall just so unprofessional. I request {$50.00} because they overdraft my XXXX XXXX XXXX  account to pay their balance even though I did not make the payment for that or any purchases. The interest rates are building off of my payments. The balance on that account is just off of interest and my balance stands at {$700.00} of interest rates! Since I closed my account! I also tried to take off auto payment and there was no option for that on the website which I found weird! A representative told me I would have to pay off the whole thing and pay another interest rate before completely being done with payments but they emphasized I think or it XXXX there is no clarity as to when I am going to be done/closed off with this bank. I regret banking with them. They are horrible. When I try to call and request help, they are bad at that. Not to mention, they didnt help me at all when I did call. Just kept telling me about past promotions and past updates to their systems that caused high interest rates ( i havent seen these updates ). Overall, not satisfied at all!! horrible Bank.! Would rather bank with literally anybody else! This bank is affecting my XXXX XXXX and its frustrating. When I expressed my feelings to XXXX, the manager, he hung up on me while I was crying upset and he heard me upset. The least synchrony bank could do is have a good manager he needs to be fired.

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 2025-04-13 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: CO

Complaint narrative:
I am writing to dispute a significant and sudden drop in my credit scoreover XXXX points across all three credit bureausdue to a reported late payment. However, upon reviewing my account, all of my payments are currently marked as up to date. I am confused as to how a late payment is being reported when there is no evidence of a missed or overdue payment on my end. 

This discrepancy is severely impacting my XXXX XXXX, which I have worked diligently to maintain above XXXX. I kindly request a thorough investigation and correction of this error, as it does not accurately reflect my payment history.

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 2025-04-13 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 dispute the accuracy of certain information in my credit report provided by your agency. After reviewing the report, I have identified the following item that appears to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) : Creditor XXXX XXXX XXXX Account ID : XXXX I do not recall ever being late on this account. Additionally, I have found inconsistencies in how this account is reported across the three major credit bureaus. I respectfully request that you verify this account, and that you update the report to reflect no late payments, as this information is incorrect.

This discrepancy is of serious concern to me, as I am currently in the process of applying for a loan, and any inaccuracies could impact my eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information in my credit report provided by your agency. After reviewing the report, I have identified the following item that appears to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) : Creditor XXXX XXXX XXXX Account ID : XXXX I do not recall ever being late on this account. Additionally, I have found inconsistencies in how this account is reported across the three major credit bureaus. I respectfully request that you verify this account, and that you update the report to reflect no late payments, as this information is incorrect.

This discrepancy is of serious concern to me, as I am currently in the process of applying for a loan, and any inaccuracies could impact my eligibility.

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 2025-04-13 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX XXXX : acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This will be my last time filing these reports on the late payment that was reported on one of my accounts, if it is not removed this time i will have no other choice that to take this further against the bureau,15 USC 1681 b Permissible Purpose of Consumer Reports which allow a consumer to give a written instructions to furnish information on consumer report, in this case I do not give any permission and the account in question was never late nor do I receive any statement alerting me of a payment due at the time please kindly remove this late payment remarks that was made this was reported for XX/XX/XXXX and below is the account in question. 

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 2025-04-13 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: TX

Complaint narrative:
This will be my last time filing these reports on the late payment that was reported on one of my accounts, if it is not removed this time i will have no other choice that to take this further against the bureau,15 USC 1681 b Permissible Purpose of Consumer Reports which allow a consumer to give a written instructions to furnish information on consumer report, in this case I do not give any permission and the account in question was never late nor do I receive any statement alerting me of a payment due at the time please kindly remove this late payment remarks that was made this was reported for XX/XX/XXXX and below is the account in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This will be my last time filing these reports on the late payment that was reported on one of my accounts, if it is not removed this time i will have no other choice that to take this further against the bureau,15 USC 1681 b Permissible Purpose of Consumer Reports which allow a consumer to give a written instructions to furnish information on consumer report, in this case I do not give any permission and the account in question was never late nor do I receive any statement alerting me of a payment due at the time please kindly remove this late payment remarks that was made this was reported for XX/XX/XXXX and below is the account in question. 

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 explanation
Consumer complaint received 2025-04-13 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation