vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Too many unauthorized inquires, bankruptcy not being deleted from my credit report per request. Old accounts not removed from credit report. Too many negative accounts still on my credit report after many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Too many unauthorized inquires, bankruptcy not being deleted from my credit report per request. Old accounts not removed from credit report. Too many negative accounts still on my credit report after many years.

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 2025-07-01 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: FL

Complaint narrative:
Subject : Second Request Failure to Correct Inaccurate Credit Report Information Under FCRA & Florida Statutes Dear [ Equifax/XXXX/TransUnion or Creditor Name ], This letter serves as a formal follow-up and second notice regarding my previous dispute dated XX/XX/year>, in which I provided documentation requesting correction or removal of inaccurate information from my credit report. 
Despite complying with all required documentation and waiting beyond the allowed investigation period, the following issues have not been resolved : Outdated/inaccurate accounts are still being reported. 


Personal information ( including incorrect address ) remains uncorrected. 


My credit score has not been updated accordingly. 


This inaccurate information is still being made publicly available, causing ongoing harm. 


Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are required to conduct a reasonable investigation within XXXX  days and remove or correct inaccurate, incomplete, or unverifiable information. Further, under XXXX  XXXX XXXX ( XXXX ), you are also required to promptly block information from a consumer report that is found to be inaccurate or that the consumer proves to be the result of identity theft or error.

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 2025-07-01 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have been detrimental to my life and credit health. 


Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name  XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX According to FERA Section 6085B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX Balance : {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$2900.00} Open Date XXXX XXXX, XXXX XXXX  Balance : {$930.00} Open Date XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: FL

Complaint narrative:
This is still unresolved. 
Precious unresolved dispute on my Synchrony Bank PayPal Credit account in the amount of {$880.00}. Despite months of tireless effort, including multiple calls and correspondence with both Synchrony Bank and the corporate offices of XXXX XXXX XXXX, this issue remains unresolved. XXXX XXXX XXXX has provided clear, documented proof that they processed a refund and returned the funds to PayPal after approving and receiving my return. Yet, Synchrony Bank has failed to reflect this refund on my credit account. It is unacceptable that I am still being told to " just keep waiting '' when, by all accounts, Synchrony has received the funds back. The refund should have been posted immediately to my account once returned via PayPal. Instead, the charge continues to show on my credit report, impacting my financial standing through no fault of my own. I have exhausted all normal channels and am now lett with no choice but to escalate this issue. I urge you to review this matter with urgency and remove the incorrect charge from my credit account without further delay. This situation has gone on far too long. I expect a resolution immediately. Sincerely, XXXX XXXX XXXX XXXX Account last XXXX XXXX Original purchase date- XX/XX/year> I did send the merchandise back to XXXX XXXX XXXX, and Ive provided ample documentation and proof that the shoes were sent back to XXXX XXXX XXXX for return and I received an email from XXXX XXXX XXXX that they did receive my return!!!! Ive attached proof in the MANY emails and secured documents Ive sent in to synchrony bank and I have the tracking and receipt showing that XXXX received my return. The previous response Ive received from synchrony Bank is incorrect. I should have a credit of {$880.00} for sending the shoes back to XXXX and XXXX DID attempt to issue me a refund but the monies are being held by synchrony Bank because they are saying they arent aware of the item being returned!!

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 2025-07-01 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:
I am a victim of XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 
Public Record : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-01 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: OH

Complaint narrative:
I have not been able to resolve my issue with the company directly and for that reason I am requesting the account be deleted from my credit report. The company has not been able to properly verify that I am the holder of this account or that they are able to legally collect on this account due to improper validation and no validation at all. This has been damaging to my credit for too long and as a result I am requesting it be removed. Under FDCPA XXXX ( b ) and FCRA XXXX ( XXXX U.S.C. XXXX ), a party must have lawful authority backed by proper documentation to collect or furnish information about a debt. Billing statements alone are insufficient to establish ownership, authorization, or enforceability. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), the court held that debt validation must consist of more than a summary of charges it must be sufficient to establish that the debt is valid, and the consumer is legally obligated to pay it. 
Without a signed contract, collection authorization, AND evidence of assignment and reporting authority, this account is not legally verifiable and must be deleted. 
By continuing to report this item without proof of consumer authorization or legal standing, the furnisher is in violation of : FCRA XXXX ( b ) failure to ensure maximum possible accuracy FCRA XXXX ( a ) failure to reinvestigate disputed information with diligence Additionally, under FCRA XXXX, furnishers must establish a permissible purpose to report accounts to consumer reporting agencies. I am requesting written proof that your bureau obtained this account from a legally authorized source with lawful authority to furnish. 
I am demanding the immediate deletion of this account XXXX : Account number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/year> Midland Credit Management , Inc . 
XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist Notice / Dispute of Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe under the above-referenced account number. This alleged debt, currently being reported by Midland Credit Management , Inc. to one or more credit reporting agencies, is unverified and inaccurate, and I am requesting that you immediately cease all collection activity and communications regarding this matter.

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide the following documentation to validate the debt : The name and contact information of the original creditor, A detailed itemization of the alleged amount owed, The date of alleged default and charge-off, Copies of any original agreements or contracts bearing my signature. 

Until such documentation is provided, you are prohibited by federal law from continuing collection efforts or reporting this account to any credit bureaus. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to ensure that only accurate, complete, and verified information is reported. If you can not fully validate this account, it must be deleted from all consumer reporting agencies immediately.

Let this serve as a formal cease and desist request. Do not contact me by phone, text, or email. All future correspondence regarding this matter must be in writing and mailed to the address listed above. Failure to comply with this request or continued reporting of an unverified or false debt may result in legal action being taken against your agency.

I am keeping a detailed record of all communications related to this matter for potential use in formal complaints or court proceedings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Purchased services from a merchant XXXX XXXX XXXX XXXX XXXX aka XXXX for an XXXX XXXX Merchant did not provide the services. Funds of {$10000.00} was sent to merchant via XXXX in XXXX payments of {$5000.00} each. XXXX sent fake websites and documents. I reported it immediately to Chase and Chase disclosed they could not assist me although the funds were shown as a transaction from my business account. Filed a police report and also provided this information to Chase to include the case number, deputys name and contact. Chase stated that because the funds were sent through XXXX, they could not assist. Dispute was closed. There is no proper protocol in place to protect consumers although I have reported the scamming nothing right away. Scams have increased although I have done my due diligence to try to avoid them. The bank does not assist at all. Many businesses utilize XXXX as a form of payment and I was certain that since it is documented there would be protection. The banks do not rote t the consumers or attempt to assist. 


I have also filed reports with attorney generals office, FBI and others. The merchant stated he would send the funds back after Chase stated to figure it out on my own and he has not and stopped responding. 

Please help! This is one of a number of scams I have encountered. I have provided thorough documentation to Chase as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS 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 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 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 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 XXXX XXXX XXXXXX/XX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-07-01 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: AL

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-01 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: NY

Complaint narrative:
My personal information was compromised in a Equifax data breach. engagement number is XXXX In accordance with 15 U.S. Code 1681c-2 Please remove fraudulent accounts listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$1900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$2600.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
A new collection account from XXXX. XXXX XXXX was added to my credit report on XX/XX/year> for a balance of {$320.00}. I did not authorize, open, or validate this debt, and I have never received any written communication or debt validation notice from this company. This account appeared shortly after a previous fraudulent XXXX XXXX collection was already investigated and removed from my credit profile just last week. 

Its highly suspicious that another XXXX. System account appeared immediately after the first one was deleted, with a different balance. This feels like retaliation or an attempt to re-age the debt using a new account number. 

This violates multiple sections of the Fair Credit Reporting Act : XXXX XXXX Code XXXX ( b ) The credit reporting agency and data furnisher are required to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX ( XXXX ) Any account that is inaccurate, incomplete, or unverifiable must be deleted from the consumers file. 

This account is unverified, fraudulent, and inaccurate. I demand its immediate removal. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/year> Status : Collection account. {$320.00} past due as of XX/XX/year> Balance : {$320.00} Original Balance : {$320.00} Balance Updated : XX/XX/year> Recent Payment : None Monthly Payment : None

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