vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
Several items on my credit report are inaccurate and/or unauthorized. Proper validation for these debts has not been provided, and I do not believe the reported balances are correct. I am requesting a thorough investigation of the following accounts and the removal of any that can not be substantiated with full documentation and proof of ownership : 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 These accounts are either inaccurate, unauthorized, or both. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any unverifiable or inaccurate items 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 explanation
Consumer complaint received 2025-08-30 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing a follow-up complaint against First Federal Credit Control for XXXX to violate the Fair Credit Reporting Act ( FCRA ). This company claimed in my first complaint that they mailed me validation of the alleged debt ( Acct # XXXX XXXX XXXX XXXX XXXXXXXX, {$830.00}, XXXX XXXX ). It has been over 30 days and I have never received anything at my address on file. That means their response to my first CFPB complaint was false and misleading. Meanwhile, First Federal continues to report this collection account to Experian, Equifax, and TransUnion without giving me a single shred of proof. To report a debt without mailing me proper validation is outrageous, reckless, and unlawful.

The Law : 15 U.S.C. 1681i ( FCRA 611 ) : Credit reporting must be reinvestigated and verified within 30 days.

Over XXXX  days have passed and First Federal has failed to provide anything.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If an account can not be verified, it must be deleted not updated or left as 'remains. ' 15 U.S.C. 1681i ( a ) ( 7 ) : I never received a description of the procedure used to 'verify ' this account, as the law requires.

15 U.S.C. 1681e ( b ) : They are not ensuring maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : As a furnisher, First Federal is required to investigate and delete unverifiable data when notified. They have ignored this.

15 U.S.C. 1681n & 1681o : Their failure to comply subjects them to civil liability for negligent and willful noncompliance, and I am prepared to pursue a federal lawsuit if this is not corrected.

My Demands : 1. Delete this unverifiable collection account from all credit bureaus immediately.

2. Provide lawful validation if they believe they have any this must include : A wet-ink signature contract with the original creditor.

A valid assignment agreement or bill of sale proving First Federals right to collect and report this account.

Without this documentation, First Federal has no legal right to continue reporting this debt. Their behavior is harming my life and opportunities, and I will not hesitate to file lawsuits in federal court if they do not comply.

Final Note : Once again, under 15 U.S.C. 1681i ( a ) ( 7 ), I am demanding the description of the procedure used to 'verify ' this account. First Federal has not provided this, and their failure to do so is further evidence of noncompliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Unresolved Disputes and Ongoing FCRA Violations I am filing this complaint against Experian, Equifax, and TransUnion for their continued failure to correct inaccurate and unverifiable information in my credit reports. Despite submitting multiple disputes, most recently in XXXX, the bureaus have not taken corrective action and instead issued generic verified statements without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

This conduct violates : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

Disputed Items Still Unresolved Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, OH XXXX Unauthorized Inquiry Credit Acceptance, XX/XX/XXXX Unauthorized Inquiry Credit Acceptance, XX/XX/XXXX Unauthorized Inquiry XXXX XXXX, XX/XX/XXXX Charge Off XXXX XXXX  XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Credit Bureaus The credit bureaus have not provided : The verification method and process used. 

The name, title, and contact information of the furnishers. 

Documentation relied upon in their investigations.

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 2025-08-30 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 XXXX. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-08-30 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: FL

Complaint narrative:
I am filing a complaint against Experian for inaccurate and misleading reporting of my XXXX XXXX account ( Acct # XXXX, opened XX/XX/year>, credit limit {$500.00}, high balance {$550.00}, current balance {$150.00} ). 

Experian is reporting the account as Open / Current, which is correct, but the reporting is still being treated negatively on my credit report. There are no late payments or derogatory remarks for this account, and both XXXX and Equifax show the account as Pays as Agreed / Current. 

Despite this, Experians reporting is causing my credit report to reflect negatively, which is inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires consumer reporting agencies to maintain information that is accurate, fair, and not misleading.

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 2025-08-30 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
repeatedly taking off and putting back old credit card that was included in Bankruptcy it should be totally removed or deleted or XXXX  balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I formally request the removal of this erroneous account from my credit report, as I did not authorize its creation or use. Attached are the documents that support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
There are accounts listed on my credit report that I did not create, authorize, or approve. These are fraudulent in nature and should not be associated with me. The information being reported is also inconsistent across the different bureaus.

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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-30 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the false late payment notations on my accounts are a violation of 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I believe this reported late payment is in error, given my history of timely payments. Please remove the entry and correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AR

Complaint narrative:
I am the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to block such information within XXXX business days of receiving a valid request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$2300.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am filling a complaint against Synchrony Bank regarding credit limit reductions on multiple Synchrony-issued accounts. This brings the total number of affected accounts to XXXX, all of which have been subjected to credit limit reductions without warning or valid justification. 

Affected accounts : Amazon XXXX XXXX Synchrony XXXX XXXX XXXX XXXX PayPal XXXX PayPal XXXX Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have maintained 100 % on-time payment history, recently paid down or off many of these accounts, and have steady employment with annual income increases. These reductions are not based on any negative behavior or risk factors, yet they have artificially inflated my utilization ratios, leading to a measurable decline in my credit score. This is happening across multiple accounts in close succession. 

These actions appear to be based on a flawed risk model rather than any individual account behavior. I have sent a certified dispute letter to Synchrony and requested reconsideration, but the reductions continue. 

Requested resolution : A full investigation and intervention into Synchronys credit limit practices. Reinstatement of my original credit limits. Enforcement of fair treatment under the Fair Credit Reporting Act ( FCRA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions.

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 2025-08-30 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 am submitting this fifth-round follow-up complaint regarding certain accounts on my credit report that continue to display inaccurate information despite my previous attempts to have them corrected. Specifically, several accounts contain incorrect dates of delinquency, which may cause negative information to remain on my report longer than permitted under law. This creates a misleading representation of my credit history in violation of FCRA 605 ( c ) .. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation