vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
After reviewing my credit report, I noticed that there are several inaccuracies present. These Accounts are reporting fraudulent and need to be removed due to 15 U.S.C 1635, 15 U.S.C 1692G, 15 U.S.C 1681i ( a ) ( 6 ) ( A ), 15 U.S.C 1681e ( b ) and Unfair Acts or Practices Excessive and Unreasonable Reliance on a Furnishers ACDV. Please remove these accounts immediately.

Under Section 605 of the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information provided. These errors demonstrate a failure to uphold this standard, which has resulted in the misrepresentation of my creditworthiness.

As a consumer, Section 609 of the FCRA provides me with the right to dispute any information I believe to be inaccurate. I am exercising this right with regard to the accounts listed above, and I am requesting immediate removal or correction of this information. 
Section 611 states that upon receipt of a dispute, the credit reporting agency must initiate a prompt investigation into the disputed items. If the information can not be verified or is found to be inaccurate, the agency must correct or delete the information. I am requesting that an investigation be conducted for each of the accounts noted above, with a timely correction or deletion in accordance with FCRA guidelines. 
Additionally, Section 623 obligates furnishers of information to delete or correct any false postings within 30 days of receiving notification of a dispute. I request a written response within 30 days to confirm that the erroneous accounts have been corrected or removed from my credit 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 non-monetary relief
Consumer complaint received 2025-09-04 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-04 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Self Financial Inc.
State: NJ

Complaint narrative:
I was late during the coronavirus, with the following accounts and I reached out to XXXX XXXXXXXX XXXX XXXX, account # ( XXXX ) Self Financial/Lead account # ( XXXX ) and ( XXXX ) and XXXX XXXX XXXX XXXX account XXXX ( XXXX ) ( XXXX ) I reached out more than 2 times to these companies, and I never got a response. Under the Coronavirus Aid, Relief, and Security Act or CARES ACT, all of these Lates should have been Takens off of my ACCOUNTS. I paid them all off in full. I still see these late payments on my account. I requested an accommodation, and These companies haven't Done anything to assist me yet. 

Under the Heroes Act ( Section 110401 ) Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit orts and prohibiting credit score furnishers
from creating and/or implementing new credit scoring models would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical proc or treatments. Consumers impacted by the staggering costs of medical care should not face diminished options due to getting. 

These company haven't done anything. There are also more letter that I'm uploading to you guys that were never addressed by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I was late during the coronavirus, with the following accounts and I reached out to XXXXXXXX XXXX XXXX XXXX account # ( XXXX ) XXXX XXXX  account # ( XXXX ) and ( XXXX ) and Navy Federal Credit Union account XXXX ( XXXX ) ( XXXX ) I reached out more than 2 times to these companies, and I never got a response. Under the Coronavirus Aid, Relief, and Security Act or CARES ACT, all of these Lates should have been Takens off of my ACCOUNTS. I paid them all off in full. I still see these late payments on my account. I requested an accommodation, and These companies haven't Done anything to assist me yet.

Under the Heroes Act ( Section 110401 ) Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit orts and prohibiting credit score furnishers from creating and/or implementing new credit scoring models would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical proc or treatmentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: NC

Complaint narrative:
I am filing this complaint because the account listed as XXXXSELF  ( Secured Loan ) is being reported in a manner that is false, contradictory, and legally indefensible. The way this account is being furnished and reported violates multiple federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c, 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) ).

1. FDCPA 1692c Improper Communications During Dispute After I formally disputed this account, the furnisher ( and/or its collection affiliates ) continued to furnish derogatory information to the credit bureaus. Furnishing to XXXX XXXX XXXX is not a neutral act it is a deliberate form of continued collection activity. This constitutes a violation of 15 U.S.C. 1692c, which restricts communications regarding a debt once it has been disputed and validation has not been provided. 


2. FDCPA 1692g Failure to Validate Debt After being notified of my dispute, the furnisher had a statutory duty under 15 U.S.C. 1692g ( b ) to cease collection activity until mailing proper validation of the alleged debt. Despite this, the account remains published to my credit reports with the following contradictions XXXX XXXX : Reports status as Closed/Current. 
XXXX XXXX Reports status as Paid/Late 30 Days.

Both bureaus report a 30-day late entry for XX/XX/XXXX. 

No validation was ever provided to me. No loan agreement, no payment history, no original creditor evidence. Instead, the furnisher resumed collection activity by continuing to publish contradictory derogatory data. This is a textbook violation of 1692g ( b ).

3. FCRA 1681e ( b ) Failure to Assure Maximum Accuracy The credit reporting agencies are required under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy. They have failed completely : Date Opened Conflict : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 
Status Conflict XXXX XXXX  = Closed/Current ; XXXX XXXX Paid/Late 30 Days. 
Date Last Active Conflict : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Comment Conflict : XXXX XXXX Closed ; XXXX XXXX XXXX  comment. 
Payment History Conflict : XXXX  simultaneously shows Current while also showing a 30-day delinquency in XX/XX/XXXX. 

It is logically impossible for an account to be both current and late in the same month. These contradictions render the data unverifiable, misleading, and harmful. 


4. Harm to Consumer Because of these statutory violations, I have suffered : Lowered credit scores.

Denials of credit and higher borrowing costs.

Reputational harm due to the false appearance of delinquency.

Emotional distress caused by repeated failures to correct this matter despite multiple disputes.

The furnisher and the credit bureaus are acting with reckless disregard for the truth and willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent account that has appeared on my credit file. I have never authorized or opened such an account, nor do I have any association with it. Its reporting is inaccurate and has negatively impacted my creditworthiness.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: NC

Complaint narrative:
I am formally demanding that you cease and desist all further communication with me regarding the alleged debt, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This demand includes the immediate deletion of the debt information from my consumer reports, as reporting such information constitutes a " communication '' under the FDCPA. The FDCPA defines " communication '' as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' ( 15 U.S.C. 1692a ( 2 ) ). Courts have affirmed this interpretation in Sullivan v. Equifax , Inc. ( No. 01-4336, 2002 WL 799856 ( E.D. Pa. Apr. 19, 2002 ) ), where the court recognized that reporting debt information to a credit reporting agency is considered communication under the FDCPA. As such, any further reporting of this alleged debt to credit reporting agencies constitutes a violation of my rights under the FDCPA. If this demand is not met, I will consider taking further legal action to protect my rights.

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 2025-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : APPLE CARD XXXX XXXX BANK XXXX As stated in Section XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section XXXX and Section XXXX of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XXXX XXXX ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I am disputing the late payment currently reflected on my credit report. This information is incorrect, as my payment history confirms punctual and complete payments. The reporting of a delinquency is a misrepresentation of my financial responsibility.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I have attempted to file a dispute for a charge on my account 2 times. Both times after extensive phone calls and wait time, the disputes were closed due to : Status Detail Investigation closed due to incomplete set up This is now the second time that the customer service rep has incorrectly setup my dispute. I have provided an extensive amount of detail for this dispute. I would like to speak with someone higher up in the company to reopen this dispute. 

Last attempt I got a call from an AMEX rep, and when I called back the person I spoke with said " they didnt need anything '' even though the voicemail said they did need something and I needed to call back. They told me they would leave a message for that rep to call me back, and no one ever did. Couple days later .. dispute closed again. I saved the voicemail .. why would someone call me saying they need something then customer service says they dont need anything? Seems like an issue there. The first time a similar thing happened where the rep told me the dispute was setup not correctly so they had to cancel it and re enter it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NC

Complaint narrative:
On XX/XX/year>. I submitted a dispute regarding inaccurate information on my credit report. The account in question is being reported by Self Fianacial Lead Banks, and the credit bureaus involved include XXXX XXXX XXXX XXXX. 

In my original dispute, I raised concerns about a XXXX late payment that I believe was reported in error or derogatory information that is outdated and no longer reflects my current creditworthiness. I provided supporting documentation and asked for a correction or deletion under my rights established by the Fair Credit Reporting Act ( FCRA ). 

Unfortunately, instead of properly correcting or deleting the account, both the creditor and the credit reporting agencies only updated the information. However, the core issue remains unresolved : * The account continues to reflect negative payment history * The derogatory mark was not removed * My report still shows an adverse item, despite my request for full resolution This action does not address my original dispute, nor does it reflect the obligation to ensure complete accuracy and fairness in credit reporting, as outlined under FCRA 1681e ( b ) and 1681i. 

I respectfully ask that the CFPB initiate a reinvestigation into this matter, as the resolution provided was inadequate and did not result in the fair and accurate correction of my credit report.

Company response to consumer: Closed with explanation