vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid the account down to a XXXX dollar balance, verified this XXXX or XXXX days after making the payment. After verifying XXXX dollar balance was charged, I closed the account. It is now XXXX months after closing the account and I was informed by XXXX of the credit reporting agencies that the account has been marked as past due on payment. 

Based on the a phone call with the company, they confirmed charging interest after both XXXX balance and closing the account.

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 2025-11-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 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: CA

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-15 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: TX

Complaint narrative:
I am submitting this complaint because all three credit bureaus ( Equifax, Experian, and TransUnion ) have failed to properly investigate, verify, or correct inaccurate information on my credit reports. I submitted formal dispute letters to each bureau on XX/XX/year>, listing inaccurate accounts, duplicate accounts, incorrect payment history, incorrect personal information, and unverified information. 

Despite these disputes, the bureaus have either failed to correct the errors or failed to provide proper validation as required under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate items are harming my creditworthiness and causing me difficulty obtaining credit, including a mortgage. 

XXXX XXXX ( Account ending XXXX ) HESCARLNGTN ( Accounts ending XXXX and XXXX ) Texas XXXX XXXX ( Account ending XXXX ) These accounts were never late, yet the bureaus are reporting payment inaccuracies. 

XXXX ( multiple account numbers across all three bureaus ) These accounts appear twice on each bureau, which is inaccurate and damaging. 

XXXX ( multiple account number variations ) XXXX NC ( TransUnion & Experian ) I contacted the furnishers directly and requested validation. More than 30 days passed with no response, yet the bureaus continue reporting these accounts without verification. 

XXXX ( Account ending XXXX ) This account is inaccurately reported and appears to fall under FDCPA 807 as misleading or false.

CCBLNDINGCL ( Account ending 802 ) Medical/personal data should not be reported under FCRA 15 USC 1681a ( 2 ) ( b ), yet all bureaus are publishing it.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Bank closed my account and stated they issued a refund of the credit balance via check however the check still hadn't been recieved ive contact them several times regarding the missing check and still no resolution its been 2 months now.

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 2025-11-15 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
Someone created a Chime ( XXXX ) account using my email address. Chime did not perform email verification and so my email address was mistakenly associated with this person 's account. 

As a result, I received the name, home address, bankimg account and routing number, and ongoing transaction details for the account holder. 

I called their support number twice in an attempt to resolve the issue. Both times, the support representative said that I was required to provide my own first and last names to move forward in resolving the issue and removing my email address, which I was unwilling to provide ( citing the obvious concerns with their data security procedures ). 

In both cases, I informed the support representative of the data privacy breach and requested that I be escalated to a supervisor or data security team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Have debt with company affirm cost of living vehivle breakdowns everyrhing has me behind on bills but this comoany uses a differrnt number everytime they call and it starts early in the morning to late into the night. Up to XXXX calls a day the harassment is insane and i have to get up early for work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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 recently pulled my credit report and noticed a negative account that are reporting inaccurately and without my knowledge. Please help me get this removed immediately. Equifax/experian is the only one reporting this XXXX XXXX XXXX  . Acct number ending XXXX. I have ask equifax/experiaXXXX to remove this.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the account reported by Southwest Credit Systems. The information being furnished is false, incomplete, and materially misleading. The reported debt details are as follows : Collection Reported : XX/XX/XXXX Assigned : XX/XX/XXXX Creditor Class : XXXX Original Creditor : XXXX Alleged Amount : {$1500.00} Status as of XX/XX/XXXX : Unpaid First Delinquency Date : XX/XX/XXXX Reported Balance : {$1700.00} Account Type : Individual Account Account Number Ending : XXXX Furnisher Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX I dispute this account in its entirety because I have no legal or contractual obligation for this alleged debt. No contract, agreement, or signed authorization has ever been provided that links me personally to liability for this account. The furnisher has failed to supply legally required documentation validating the debt, making the continued reporting of this information a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) for failing to ensure accuracy and 1681i regarding reinvestigation duties.

Continued reporting of unverified or false information after being notified of a dispute constitutes furnishing inaccurate data under FCRA and may also be considered an unfair or deceptive act or practice, actionable under CFPB authority.

I request an immediate reinvestigation, deletion of the account, and written confirmation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
XXXX XXXX has repeatedly failed to provide the legally required accounting after the disposal of my vehicle, which served as collateral for my auto loan. After I surrendered the vehicle due to non-repairable status and notified XXXX, the vehicle was left uncollected, later towed and auctioned following legal notice to XXXX. Despite their detailed correspondence, XXXX has not produced any documentation showing auction proceeds, expenses deducted, or how the deficiency balance was calculated, as required by Florida law. They continue to report an unverified charge-off balance to the credit bureaus without supporting statutory documentation, and have ignored three written requests for this informationin violation of both Florida Statute 679.616 and the Fair Credit Reporting Act.

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 2025-11-15 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:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute. It has also been noted that TransUnion has previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. The specific account I am disputing is as follows
: XXXX XXXX XXXX XXXX XXXX$23000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$680.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00}

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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to request that you verify and ensure that the address currently reported on my credit file is accurate and up-to-date. I have recently provided the required personal identification documents to confirm my current address, and I would like to ensure that your records reflect this information accurately.

Please confirm the following : 1. The address currently listed on my credit report matches the address I have provided in my identification documents.

2. Any discrepancies are addressed, and my address is updated accordingly.

I would appreciate your prompt attention to this matter and kindly request that you confirm the changes ( if any ) have been made. If you require any additional documentation or information to facilitate this update, please let me know.

Thank you for your time and cooperation. I look forward to your confirmation that my address is being reported correctly.

Thank you. 

XXXX XXXX SS - XXXX DOB - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Please remove all accounts listed as they are associated with identity theft.

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 2025-11-15 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:
Please remove all accounts listed as they are associated with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am filing this complaint regarding my Synchrony Bank XXXX XXXX XXXX Credit Card. The account was opened in XXXX  and funded entirely with my own secured deposit. I attempted to maintain the account responsibly from day XXXX. 
Recently, Synchrony deactivated the account without warning and prevented me from accessing any of the account information. When I contacted Synchrony to correct reporting issues and verify basic details, representatives repeatedly stated that no corrections could be made because the account was closed. This refusal continued even though Synchrony is still reporting information that directly affects my credit profile. 
Due to this refusal to correct or update the account information, my credit score dropped by XXXX XXXX XXXX points. This drop has created immediate financial harm, including difficulty being approved for credit and interruptions in financial planning. 
XXXX actions included : Blocking access to the account history Refusing to accept documentation or allow corrections Declining to escalate the issue to any department with authority to fix reporting Failing to provide a clear reason for the deactivation Continuing to report incomplete or inaccurate information despite repeated requests. This conduct is unreasonable and has caused significant measurable damage. At the worst possible time acct end 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 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Yes Mohela XXXX my loans back in XX/XX/2025 but has not updated my credit bureau its been more than 60 days I really need them to report my loans are discharged with a XXXX balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation