vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear CFPB Representative, With deep frustration and disappointment, I must say that a false XXXX  record is still listed and destroying my credit standing. 

I've been disputing this data with the bureaus for years. But most recently and more persistently since XXXX. XXXX  has already removed the XXXX  because they acknowledged that it was invalid and unverifiable. 

However, both Experian and XXXX  continues to report and supply this frivolous data. 

So first, I wrote to the courthouse but didn't receive a response. Then in XX/XX/XXXX, I went directly to the courthouse, along with my notary, and requested specific details on the data that they are reporting. They proceeded to explain that they do not subscribe and nor do they report data to ANY credit reporting agency. So I requested written proof of this and the notary also notarized it. 

Attached to this complaint, youll find official, notarized documentation from the bankruptcy court itself confirming that they do not report consumer data to credit bureaus. I even sent this same documentation to the credit agencies and they simply dismissed my evidence. 

These credit bureaus are misrepresenting the origin of this data and that directly conflicts with FCRA 609 and 611. 

Whats being reported is unjust and unverified. Please help. 

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 2025-07-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the XXXX credit bureaus. 

XXXX ( Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account number XXXX Inconsistencies reported Date opened XX/XX/year> vs XX/XX/year> I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account XXXX XXXX Account number : XXXX The following inconsistent information was reported among all reporting bureaus : Date opened XX/XX/year> vs XX/XX/year> Account type details High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year> I initiated a Domestic Wire Transfer in the amount of {$1200.00} from my Navy Federal Credit Union account to XXXX XXXX XXXX XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' is the Intermediary Bank for my bank here in XXXX XXXX, XXXX. Since the Wire Transfers go to XXXX XXXX XXXX XXXX XXXX XXXX they are considered Domestic Wire Transfers. In any case, due to some banks in XXXX being under investigation by the U.S. for money laundering for the cartels, Wire Transfers are no longer making their way to XXXX. I didn't know this at the time of sending my Wire Transfer. I am a XXXX XXXX XXXX XXXX. Veteran and this is me sending money from myself to myself for living expenses, while out here in XXXX XXXX, XXXX. In any case, my money is sitting somewhere at XXXX XXXX XXXX XXXX XXXX XXXX and nobody is doing anything to help me retrieve it. What I am being told by Navy Federal Credit Union is that there's nothing that they can do. Everyone is so quick to wash their hands of this, but it was them living on a Fixed Income and {$1200.00} of their monthly income was Just Lost, they would be UPSET. This is not right! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Subject : CFPB Case # XXXX Updated Information and Request for Review . 

Dear CFPB Representative, I am submitting additional information regarding my ongoing dispute ( CFPB Case # XXXX ) - XXXX, # XXXX, and # XXXX. Involving Synchrony Bank and XXXX XXXX # XXXX. 

On XX/XX/XXXX, I received a voicemail from an XXXX XXXX XXXX XXXX acknowledging my complaint and stating it could take up to 60 days to review. 
XXXX minutes later, an email from XXXX admitted that the product I received was XXXX x XXXX feet instead of the advertised XXXX x XXXX feet, yet suggested only a {$150.00} goodwill credit without contacting me to discuss a resolution. 

For context, I have been addressing this issue continuously since XX/XX/XXXX. XXXX 's customer relations team failed to act, and Synchrony Bank repeatedly denied my chargeback request without addressing the actual facts, instead relying on incomplete or incorrect merchant responses. 

Due to XXXX 's inaction and Synchrony 's mishandling of my dispute, I was forced to purchase a replacement gazebo on XX/XX/XXXX, from XXXX XXXX ( Order # XXXX ) for {$1000.00}, incurring a significant additional expense. 
Despite clear evidence of material misrepresentation, Synchrony has : Misclassified the dispute as a quality complaint, Ignored documentation showing misrepresentation and the merchant 's refusal to accept a return, and Issued multiple template denials rather than conducting a full investigation as required by the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

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 2025-07-26 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: MD

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
Equifax was notified on XX/XX/year> regarding identity theft items on my credit report. Unlike the other major reporting bureaus Equifax completely ignored my notification as well as the supporting documents provided. In result I have taken action with several different companies including but not limited to XXXX XXXX. As a result XXXX XXXX  has removed their derogatory reporting from ALL of the major credit bureaus. In accordance with the FCRA Equifax does not have legal proof that the accounts that they have been notified about legally belong to me. Equifax has exhibited negligence and is causing harm to my public credit profile. In addition to the derogatory reporting equifax has incorrect address and employment information on my credit report. Incorrect employment information is as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses are XXXX XXXXXXXX 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 2025-07-26 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: IL

Complaint narrative:
Dear XXXX XXXX XXXX, Im writing to request a goodwill adjustment for the single late payment reported on my XXXX XXXX account. 

This isolated incident occurred during a period of financial hardship following an unexpected job loss. Since then, Ive resumed stable employment and have remained current on all obligations. Prior to and after that event, my payment history has been positive and responsible. 

In light of this, and under common law principles of good faith and equity, I respectfully request the removal of this late payment from my credit report. The Fair Credit Reporting Act grants furnishers the ability to make such adjustments when appropriate, and I believe this one-time exception would reflect the overall integrity of my relationship with XXXX XXXX XXXX  XXXX 

Thank you for your time and consideration. I appreciate your support as I continue rebuilding and maintaining strong financial health.

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 2025-07-26 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: IL

Complaint narrative:
Dear XXXX XXXX XXXX, Im writing to request a goodwill adjustment for the single late payment reported on my XXXX XXXX account. 

This isolated incident occurred during a period of financial hardship following an unexpected job loss. Since then, Ive resumed stable employment and have remained current on all obligations. Prior to and after that event, my payment history has been positive and responsible. 

In light of this, and under common law principles of good faith and equity, I respectfully request the removal of this late payment from my credit report. The Fair Credit Reporting Act grants furnishers the ability to make such adjustments when appropriate, and I believe this one-time exception would reflect the overall integrity of my relationship with XXXX XXXX XXXX  XXXX 

Thank you for your time and consideration. I appreciate your support as I continue rebuilding and maintaining strong financial health.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
Constantly reporting that I owe this and I filed this on my bankruptcy it doesn't even show an amount but still reporting negatively. 
XXXX XXXX XXXX XXXX XXXXXXXX are all the names they go by.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Account XXXX XXXX XXXX XXXX XXXX  Purchase Date : [ XX/XX/year> ] I am filing this complaint because Synchrony Bank charged me {$1900.00} in interest on a promotional furniture purchase from XXXX, even though I was never properly informed about the deferred interest terms. 
A store associate helped me apply for the Synchrony credit card at the point of sale and told me I could pay the balance in installments. I was never informed that this was a deferred interest promotion, or that I needed to pay the full balance within a specific period to avoid back interest. 
I enrolled in autopay, believing that I was regularly paying down my balance. In reality, Autopay was only making minimum payments, which I did not realize and no warnings or alerts were ever issued as the promotional period approached expiration. 
I find it especially troubling that I was not notified about the promotional interest terms before applying or at any point during the repayment period. The fact that no alerts were given and minimum payments were quietly accepted leading to a large retroactive charge gives the impression that the account setup may have been intentionally designed to result in interest accrual. 
I contacted Synchrony by phone to dispute the charge, but they refused to make any adjustments or offer a goodwill resolution. I am therefore requesting that the CFPB help me resolve this by either : Having the {$1900.00} deferred interest charge reversed or reduced Let me make one time payment for the remaining balance without prior charged interest and resolve the matter in good faith Supporting documents such as my credit card statement showing the interest charge and a screenshot of my autopay settings are available upon request.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems has reported a collection account to my XXXX  public credit report stating that I owe {$250.00}. Credit Systems has no legal right to attempt to collect a debt. There is no debt owed. I am a victim of identity theft. Credit Systems was first notified on XX/XX/year>. Credit Systems refuses to follow the laws of the FCRA and FDCPA. Credit Systems has not validated any alleged debt nor sent me a notice of collection. Credit Systems placement of a derogatory file on my credit reports is a violation of the FCRA. With that said I am in request of ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized with signature the alleged debt that Credit Systems is attempting to collect. My FTC report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CT

Complaint narrative:
In XX/XX/year>, an account with XXXX XXXX credit card was reported as charged off. Since that time, the account 's payment history has been repeatedly updated on a monthly basis with new " charged off '' entries. 

A charged-off account should not have an active, ongoing payment history. These continuous updates are inaccurate and create a false impression of activity on the account, which could potentially manipulate the statute of limitations. This misrepresentation of information is a violation of 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 2025-07-26 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: CT

Complaint narrative:
In XX/XX/year>, an account with XXXX XXXX credit card was reported as charged off. Since that time, the account 's payment history has been repeatedly updated on a monthly basis with new " charged off '' entries. 

A charged-off account should not have an active, ongoing payment history. These continuous updates are inaccurate and create a false impression of activity on the account, which could potentially manipulate the statute of limitations. This misrepresentation of information is a violation of 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 non-monetary relief
Consumer complaint received 2025-07-26 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: CT

Complaint narrative:
In XX/XX/year>, an account with XXXX XXXX credit card was reported as charged off. Since that time, the account 's payment history has been repeatedly updated on a monthly basis with new " charged off '' entries. 

A charged-off account should not have an active, ongoing payment history. These continuous updates are inaccurate and create a false impression of activity on the account, which could potentially manipulate the statute of limitations. This misrepresentation of information is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE - XXXX I am unaware of this debt, I didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send the certified receipt with my signature. Without providing the requested information above you are in violation because I have not been given a chance to dispute the alleged account according to 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) Also provide the following documents to start to satisfy the Fair Debt Collection Practices Act XXXX. * * Proof of the debt * * : I would like to receive a complete statement of the account, showing the original balance, interest, fees, payments, and any other charges that make up the total amount you claim I owe. 



XXXX. * * Chain of Assignment * * : Please provide documentation showing the complete chain of assignment for this debt, starting with the original creditor and including all subsequent parties to whom the debt was transferred or sold, up to and including XXXX XXXX. Including proof assignment or debt sale. 



XXXX. * * Account-Level Documentation * * : Including but not limited to a copy of the original signed agreement or contract, any amendments, and documentation showing all transactions equaling to every statement, which equals to the alleged balance and show the transfer of the debt, including the terms and conditions that apply. 
Responding to the statements above should not be considered the same as the demand below this sentence. 

I will assume identity if proof of at least contact isnt received in a reasonable amount of time. This part is not a verification or validation request. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation