vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I received a full credit report because Ive been trying to finance a car not knowing I have inaccurate credit reports Ive been out of work for over XXXX  days I have XXXX children XXXX currently loosing everything XXXX not able to get to work anymore but according to XXXX XXXX XXXX they must do a full investigation and they DID 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 2025-07-22 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:
Send a dispute letter and the company will not remove the accounts

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 2025-07-22 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: TX

Complaint narrative:
I have reviewed my credit report and identified a late payment entry that is inaccurate. My records indicate that all payments were made on time, and this reporting error is damaging and unwarranted.

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 2025-07-22 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: TX

Complaint narrative:
I am writing to request a correction regarding a late payment that appears to have been reported in error. I take my financial responsibilities seriously and have ensured that my payments are made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 filing a complaint serves as my second formal request for the immediate removal of certain items from my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ).

Under FCRA 604 ( f ), a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose, as defined under 604. Any furnishing of a report to a party lacking such purpose constitutes a direct violation of federal law.

After my initial dispute, the items listed below were not verified with proper documentation nor was I provided any evidence that these entities had a permissible purpose to access or report information on my credit profile. Therefore, you are in violation of FCRA 604 ( f ), and these items must be removed immediately. 
The following accounts remain in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am filing a complaint serves as my second formal request for the immediate removal of certain items from my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ).

Under FCRA 604 ( f ), a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose, as defined under 604. Any furnishing of a report to a party lacking such purpose constitutes a direct violation of federal law.

After my initial dispute, the items listed below were not verified with proper documentation nor was I provided any evidence that these entities had a permissible purpose to access or report information on my credit profile. Therefore, you are in violation of FCRA 604 ( f ), and these items must be removed immediately. 
The following accounts remain in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year> I contacted venmo Visa card because I had recently refinanced on my home and this particular account was paid off in full by a title company that mailed me a check on XX/XX/XXXX to which I received it the very next day. I mailed this check to Venmo Visa on XX/XX/XXXX and the check arrived XX/XX/XXXX and was posted with the company that day. I contacted the company and explained the delay in payment was due to the title companys processing timeline and asked for a one-time goodwill adjustment to have the interest waived and refunded. The representative told me that was not possible because that interest was earned fairly. When I asked for a supervisor they told me that they would tell me the same thing and not be able to help me. The balance remaining on the account is XXXX which is the interest charged to the account and the check was made out for XXXX. The account was attempted in good faith to be paid in full but these unexpected delays occurred with the title company which was out of my control. I have never made a late payment with this company, and they refuse to waive to interest.

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 2025-07-22 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: TX

Complaint narrative:
There is an account listed on my credit file which is fraudulent. I did not authorize it, nor was I involved in its creation or usage. It appears to have been added in error or due to a breach of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Send a dispute letter and the company will not remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc.
State: NV

Complaint narrative:
I paid {$300.00} for a year of XXXX XXXX  and the company claimed to offer a {$10000.00} line of credit. This was back in late XXXX  and about 10 months later i have seen nothing on my credit report and they ignore my emails when i request a refund, there is no way to contact them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I am writing to dispute the following item ( XXXX ) in my credit report, as provided to me by your agency. This agency failed to provide me with proper proof of this account and is reporting it on my consumer report. I am requesting an immediate investigation of XXXX inaccurate or incomplete entry ( XXXX ) as provided for under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX. 
According to XXXX XXXX. XXXX, you are required to conduct a reasonable reinvestigation of any disputed information within XXXX days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file. 
This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter. 
If you continue to report this account without proper verification, or if you continue to contact me after receiving this cease and desist notice, you will be in violation of federal law and I will not hesitate to report such violations.

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 2025-07-22 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$590.00}

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account with Synchrony Bank in XXXX of 2023 after visiting the vets office. I was told that I could purchase insurance on it to protect me in the event of disabilities, and I complied. However, in order for the disabilities insurance to be approved so that my account would be brought to XXXX  balance when the time came for me to apply for that benefit, they were requiring me to sign a form giving them permission to have access to all of my medical records, and to give their subsidiaries and affiliates permission too, which is a violation of HIPPA laws. I expressed that Im on XXXX XXXX and that I was happy to provide them of proof of that via the Social Security government paperwork so that I could utilize that benefit and have my balance brought to XXXX without signing their permissions form, but I never got anywhere with that via numerous phone calls, nor my complaint to the XXXX XXXX XXXX. I stopped paying on that account, which has destroyed my credit rating. They continue to report late payments and a closed account on their end to the credit bureaus. This is an unlawful requirement for their program to ask for permission to access my medical records, and for any of their subsidiaries to have access as well.

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 2025-07-22 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: MI

Complaint narrative:
[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ experian ] XXXX XXXX XXXXXXXX XXXX. XXXX, Tx XXXX ] Subject : Dispute of Inaccurate and Unverified Late Payments by XXXX Account Name/Number XXXX XXXX  DOB : [ XX/XX/year> ] SSN ( last 4 digits ) XXXX XXXX XXXX XXXXXXXX ] Dear [ Experian / Equifax / TransUnion ], I am writing to dispute and formally request the removal of inaccurate and unverified late payment information that has been reported on my credit report by XXXX The derogatory payment history you are reporting under this account is in error and is causing unjustified harm to my creditworthiness. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a reasonable investigation into this matter. Furthermore, under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666b, creditors must follow strict legal guidelines for billing cycles and for determining when a payment is legally considered late. If a creditor can not verify the exact due date, billing cycle, and compliance with all timing requirements, they may not lawfully report a payment as late. 

XXXX has failed to provide any verifiable evidence showing that these late payments occurred in compliance with 15 U.S. 1666b, which requires : Clear disclosure of the payment due date A minimum of 21 days between statement issuance and due date Legal assessment of lateness before negative reporting As such, this reporting violates both the Fair Credit Billing Act and the Fair Credit Reporting Act. If XXXX can not provide legal, accurate, and complete documentation proving the validity of these late payments, they must be removed immediately from my credit file. 

Please conduct a full reinvestigation into this matter. If the information can not be verified with supporting documentation that meets federal standards, I request permanent deletion of the inaccurate entries from my credit report. 

Attached are copies of my government-issued ID and proof of address to verify my identity. 
I expect a response within 30 days, as required under 15 U.S.C. 1681i ( a ), confirming the results of your investigation and the actions taken. 

Sincerely, [ XXXX XXXX ] Let me know if youd like a version addressed directly to XXXX under the FCBA, or help formatting this for submission through a credit bureaus online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ experian ] XXXX XXXX XXXXXXXX XXXX. XXXX, Tx XXXX ] Subject : Dispute of Inaccurate and Unverified Late Payments by XXXX Account Name/Number XXXX XXXX  DOB : [ XX/XX/year> ] SSN ( last 4 digits ) XXXX XXXX XXXX XXXXXXXX ] Dear [ Experian / Equifax / TransUnion ], I am writing to dispute and formally request the removal of inaccurate and unverified late payment information that has been reported on my credit report by XXXX The derogatory payment history you are reporting under this account is in error and is causing unjustified harm to my creditworthiness. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a reasonable investigation into this matter. Furthermore, under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666b, creditors must follow strict legal guidelines for billing cycles and for determining when a payment is legally considered late. If a creditor can not verify the exact due date, billing cycle, and compliance with all timing requirements, they may not lawfully report a payment as late. 

XXXX has failed to provide any verifiable evidence showing that these late payments occurred in compliance with 15 U.S. 1666b, which requires : Clear disclosure of the payment due date A minimum of 21 days between statement issuance and due date Legal assessment of lateness before negative reporting As such, this reporting violates both the Fair Credit Billing Act and the Fair Credit Reporting Act. If XXXX can not provide legal, accurate, and complete documentation proving the validity of these late payments, they must be removed immediately from my credit file. 

Please conduct a full reinvestigation into this matter. If the information can not be verified with supporting documentation that meets federal standards, I request permanent deletion of the inaccurate entries from my credit report. 

Attached are copies of my government-issued ID and proof of address to verify my identity. 
I expect a response within 30 days, as required under 15 U.S.C. 1681i ( a ), confirming the results of your investigation and the actions taken. 

Sincerely, [ XXXX XXXX ] Let me know if youd like a version addressed directly to XXXX under the FCBA, or help formatting this for submission through a credit bureaus online portal.

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