vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
XXXX XXXX! Soon as you stop or cancel service all of the items they claim was removed from my credit report populates back on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
I am a victim of identity theft Experian and XXXX XXXX are reporting in accurate 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 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank / Care Credit / Payment Security / Card Security.

I applied for care credit to help pay with dental expenses. The dental office processed the order online on my behalf. I did not request what synchrony calls " payment security ''. I also opted for paperless statements. The statements that Synchrony sends has this charge buried on the second page of the statement. And they have it listed as " payment security '' so it is convoluted at best. 

I never noticed this so when I called Synchrony directly they told me that it was an unaffiliated party that I must have '' " ticked the box to opt in for this ''. I guarantee I never did that because I would never do that. It's just not something I would ever consider. Unfortunately, I didn't notice until my statements became one page after quite a bit of time. When I called payment security directly at XXXX I was first told by the representative that the maximum refund that I would receive would be $ XXXX disputed that with the representative because I never agreed to this at all. The representative led me to believe that I would get the full refund of {$310.00}. 
I received a letter in the mail from Synchrony Bank dated XX/XX/year> stating that they will only give me the {$110.00} because I didn't notice it within the first 90 days and that they considered this dispute closed This dispute is not closed because again I am affirming that I never agreed to this, I never quote " checked a box '' opting in, and I would never consider this type of security. 
I am here by requesting your help to get me the refund balance that I am owed in good faith {$110.00}. 
Furthermore, upon research on the internet, it seems as if this is a very common problem with Synchrony Bank/ Care Credit . And it dates back for a period of years. But they continue to do this. This is underhanded, seedy and and downright fraud by slamming customers for this. 
Thank you

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 2025-09-23 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: NC

Complaint narrative:
Equifax continues to report inaccurate and incomplete information despite my disputes. Specifically : XXXX XXXX XXXX account ( Acct # XXXX ). Still reported derogatory, despite settlement and incomplete furnisher data. 

XXXX  Charge-off XXXX Acct # XXXX ). Status and coding remain inaccurate. 

Both accounts require proper reinvestigation and correction under FCRA 1681i. 

Equifax is also reporting unauthorized inquiries associated with identity theft. I filed an FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ), but Equifax failed to block these inquiries as required under FCRA 605B. The inquiries include : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and Equifax Mortgage Services ( XX/XX/XXXX ). 

These inquiries lack a permissible purpose under FCRA 604 ( a ) and must be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: FL

Complaint narrative:
on my credit report it shows ive had a sezzle account since XX/XX/year>. I did not know this until I recently started using sezzle and it said I had a duplicate account! I have never used sezzle prior to this year! I have reached out to the company and was only told they would look into it and have had nothing since. They restricted my new account. I have no knowledge of having a prior account with them or owing them any money that has not already been paid on my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX I was notified from XXXX, XXXX  and XXXX  that a collection account from I C System was placed on my credit report in the amount of {$200.00} for the original creditor of XXXX XXXX. 

I disputed the collection account with all 3 credit bureaus, and it was removed from XXXX and XXXX, however XXXX  is still reporting the item at the time of this report being filed. 

I have called XXXX XXXX ( XXXX ) and was advised they do not have an account for me. I had an issue in XXXX with this, and XXXX XXXX called me and was able to identify the account was fraud, and it was removed. 

I will be filing another report with the FTC along with this report.

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 2025-09-23 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: MI

Complaint narrative:
I am disputing the presence of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, and I was not notified of their addition. To make matters worse, the details are being reported inconsistently across all three bureaus, which violates 15 U.S.C. 1681e ( b ) of the FCRA requiring credit bureaus to report only accurate information. 

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681XXXX, which requires credit bureaus to provide full and accurate disclosures.

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 2025-09-23 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:
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 and 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 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 tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Amount : {$23000.00} XXXX XXXX ) XXXX  Amount : {$520.00} XXXX XXXX ) XXXX XXXX Amount : {$760.00} XXXX INCORRECT NAMES LISTED : 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 INQUIRIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-09-23 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: CA

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 and 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 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 tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Amount : {$23000.00} XXXX XXXX ) XXXX  Amount : {$520.00} XXXX XXXX ) XXXX XXXX Amount : {$760.00} XXXX INCORRECT NAMES LISTED : 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 INQUIRIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-09-23 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:
I formally requested an investigation to wrongfully reporting information on my credit report. They have just denied my request. They mentioned that my request may have come from a third party and they refused to investigate. Also they mentioned that it was verified. I am not sure how they did both but they claimed to do so.

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 2025-09-23 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: GA

Complaint narrative:
I formally requested an investigation to wrongfully reporting information on my credit report. They have just denied my request. They mentioned that my request may have come from a third party and they refused to investigate. Also they mentioned that it was verified. I am not sure how they did both but they claimed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXXXXXX XXXX XXXXXXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXXXXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX INCORPORATED | XX/XX/year> : I never authorized these inquiries. 
NATLCRSYS ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX  | XX/XX/year> : I never authorized these inquiries. 
IR | XX/XX/year> : I never authorized these inquiries. 
IR | XX/XX/year> : I never authorized these inquiries. 
FACTUAL DATA | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> : I never authorized these inquiries. 
XXXX  ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXXXXXX XXXX XXXXXXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXXXXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX INCORPORATED | XX/XX/year> : I never authorized these inquiries. 
NATLCRSYS ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX  | XX/XX/year> : I never authorized these inquiries. 
IR | XX/XX/year> : I never authorized these inquiries. 
IR | XX/XX/year> : I never authorized these inquiries. 
FACTUAL DATA | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> : I never authorized these inquiries. 
XXXX  ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am writing in response to the above-referenced account, which you allege I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
Please be advised that I dispute the validity of this debt, and I am requesting validation of the debt. Until such validation is provided, you must cease all collection activity, including reporting this account to the credit bureaus. Specifically, please provide : 1. Proof of the debt The original signed agreement or contract bearing my signature that obligates me to pay this debt. 2. Full account history An itemized accounting of the alleged balance, including all charges, payments, interest, and fees. 3. Proof of ownership Documentation that you have the legal right to collect this debt, including any assignments or transfer agreements. 4. Proof of compliance The name and address of the original creditor, the date the debt was incurred, and the date of last payment. 5. Verification of your license Proof that you are licensed and authorized to collect debts in the state of XXXX. Be advised that until these documents are provided, you must : - Cease all collection activities ; - Cease reporting this account to any credit reporting agency ; and - Cease contacting me regarding this debt except to provide the requested validation. If you fail to comply with this request, you will be in violation of the FDCPA and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. This letter is not a refusal to pay but a request for validation of the alleged debt. Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief