vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Description of Issue : I am disputing multiple false late payment entries on my credit report for XXXXXXXX XXXX XXXX XXXX, Account # XXXX. The reported information is completely inaccurate : XX/XX/year> : 30 days late XX/XX/year> : 30 days late XX/XX/year> : 30 days late XX/XX/year> : 60 days late Reported Past Due ( XX/XX/year> ) : {$3800.00} All of these late payments are incorrect. The account was paid on time for XXXX, XXXX, XXXX, and XX/XX/year>. The reported XXXX past due amount of {$3800.00} is false ; the actual scheduled payment was {$1900.00}. The balloon payment of {$240000.00} is due XX/XX/year>, so any reported delinquency prior to that is completely false. 

Legal Basis : Reporting false late payments and inflated past due amounts violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, which require maximum possible accuracy in consumer reporting. This false reporting harms my credit and is legally impermissible.

Action Requested ( Immediate ) : 1. Remove all reported late payments for XXXX, XXXX, XXXX, and XX/XX/year>. 
2. Correct the XXXX past due amount to reflect the actual payment of {$1900.00}.

3. Update the account status to Current / Paid as Agreed for all months.

4. Provide written confirmation once these corrections are made. 

Evidence Attached : Bank statements showing timely payments XXXXXXXX XXXX Loan schedule showing balloon payment due XX/XX/scrub>XXXX 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 2025-08-15 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: MS

Complaint narrative:
Description of Issue : I am disputing multiple false late payment entries on my credit report for XXXXXXXX XXXX XXXX XXXX, Account # XXXX. The reported information is completely inaccurate : XX/XX/year> : 30 days late XX/XX/year> : 30 days late XX/XX/year> : 30 days late XX/XX/year> : 60 days late Reported Past Due ( XX/XX/year> ) : {$3800.00} All of these late payments are incorrect. The account was paid on time for XXXX, XXXX, XXXX, and XX/XX/year>. The reported XXXX past due amount of {$3800.00} is false ; the actual scheduled payment was {$1900.00}. The balloon payment of {$240000.00} is due XX/XX/year>, so any reported delinquency prior to that is completely false. 

Legal Basis : Reporting false late payments and inflated past due amounts violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, which require maximum possible accuracy in consumer reporting. This false reporting harms my credit and is legally impermissible.

Action Requested ( Immediate ) : 1. Remove all reported late payments for XXXX, XXXX, XXXX, and XX/XX/year>. 
2. Correct the XXXX past due amount to reflect the actual payment of {$1900.00}.

3. Update the account status to Current / Paid as Agreed for all months.

4. Provide written confirmation once these corrections are made. 

Evidence Attached : Bank statements showing timely payments XXXXXXXX XXXX Loan schedule showing balloon payment due XX/XX/scrub>XXXX 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 non-monetary relief
Consumer complaint received 2025-08-15 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: MS

Complaint narrative:
Description of Issue : I am disputing multiple false late payment entries on my credit report for XXXXXXXX XXXX XXXX XXXX, Account # XXXX. The reported information is completely inaccurate : XX/XX/year> : 30 days late XX/XX/year> : 30 days late XX/XX/year> : 30 days late XX/XX/year> : 60 days late Reported Past Due ( XX/XX/year> ) : {$3800.00} All of these late payments are incorrect. The account was paid on time for XXXX, XXXX, XXXX, and XX/XX/year>. The reported XXXX past due amount of {$3800.00} is false ; the actual scheduled payment was {$1900.00}. The balloon payment of {$240000.00} is due XX/XX/year>, so any reported delinquency prior to that is completely false. 

Legal Basis : Reporting false late payments and inflated past due amounts violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, which require maximum possible accuracy in consumer reporting. This false reporting harms my credit and is legally impermissible.

Action Requested ( Immediate ) : 1. Remove all reported late payments for XXXX, XXXX, XXXX, and XX/XX/year>. 
2. Correct the XXXX past due amount to reflect the actual payment of {$1900.00}.

3. Update the account status to Current / Paid as Agreed for all months.

4. Provide written confirmation once these corrections are made. 

Evidence Attached : Bank statements showing timely payments XXXXXXXX XXXX Loan schedule showing balloon payment due XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Cashed Check Without Required Endorsements Seeking Resolution On XXXX of XXXX, I received a check from XXXX XXXX made out to both myself and XXXX XXXX. The check clearly required both payees endorsements. I deposited it at Bank of America, but the bank processed and cleared it without obtaining XXXX XXXX signature. 

Now, XXXX XXXX is demanding payment from me for the funds they never received. This is a direct result of Bank of Americas failure to follow standard banking procedures for dual-payee checks. I should not be held financially responsible for an error in the banks check processing. 

I have contacted the banks claims department, but the issue remains unresolved. I am requesting that the CFPB investigate this matter and require the bank to take full responsibility and correct the error immediately.

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 2025-08-15 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: IL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for willfully and negligently reporting inaccurate, unverifiable, and unauthorized accounts on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have never provided written consent for these bureaus or any data furnishers to obtain, store, or report my personal credit information.

Despite my right under 1681b to prevent unauthorized access to my consumer report, the following accounts are being reported without permissible purpose and without validation : XXXX. XXXX Credit Charge-Off No verifiable contract ; may be reporting past the allowable 7-year limit under 1681c ( a ). 
XXXX. XXXX XXXX XXXX XXXX XXXX proof of original contract, debt validation, or permissible purpose. 
XXXX. XXXX XXXX XXXX Collection No validation of debt or proof of authorization. 
XXXX. XXXX XXXX XXXX Collection Unverifiable ; no chain of title or contractual consent. 
XXXX. XXXX XXXXXXXX XXXX Charge-Off No signed agreement ; potentially outdated under 1681c ( a ) ( 4 ).

These items are inaccurate, outdated, and/or unverifiable under 1681i, yet they remain on my credit reports. This has caused harm to my creditworthiness and financial standing.

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 2025-08-15 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-15 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: LA

Complaint narrative:
I have previously disputed 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 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 2025-08-15 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: LA

Complaint narrative:
I have previously disputed 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 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent Equifax a formal written dispute via certified mail requesting removal of multiple incorrect names and addresses appearing on my credit report. The letter clearly identified each inaccurate name and address and demanded deletion of any accounts tied solely to those identifiers. Equifax received this dispute in XX/XX/year> ( see attached USPS proof of delivery ).

Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax had 30 days from receipt to investigate, correct, and respond. As of XX/XX/year>, XXXX months later, Equifax has not responded in any form and continues to report the disputed, inaccurate names and addresses. This is a direct violation of the FCRAs accuracy and timeliness requirements. 

I am attaching my XX/XX/year> dispute letter and USPS proof of delivery as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This continued inaction is unacceptable. The ongoing presence of these potentially fraudulent entries constitutes a serious breach, strongly suggesting identity theft, and is causing ongoing emotional and financial harm.

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 2025-08-15 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: IL

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

1681c-2 ) that you, the Experian Credit Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for a store credit with XXXX XXXX and was given an option through Synchrony bank. The moment I got the credit, roughly XXXX, it was all applied to the appliances I had to purchase for the new home. At the time new home move in XX/XX/XXXX, I lost my job, so I made sure to put all the autopay and electronic statement done to ensure no missed payment on my end, also this credit line charges paper statement fees. Fast forward, I used autopay thinking I am paying it off and timely within period. Prior to the interest increase, it was in around $ XXXX remaining balance and I am making progress against it. 

On XX/XX/XXXX, I received a credit alert from my regular credit monitoring saying one of my cards is over the limit, was not quite sure which one... 

When paying for another Synchrony card on XX/XX/XXXX, that's when I noticed the amount balance now increase to {$13000.00}!!! I was charged with {$8100.00} interest. I reached out immediately and said is there anything they can offer to support, they just said, no. Nothing I can do. I pressed why there is no alert, they said, since you selected electronic statement, you have to separately select alert in order to receive notification like this. Also, that I had option till XX/XX/XXXX to dispute or something and I am 2 days late. 

This is quite outranged, I never missed a single payment and worked so hard to pay off the balance. Credit company is in it to make money, now the interest is at 34.99 % and they have nothing offer to consumers???? Nothing? 

Deferred interest card was not really communicated to me at the time of receiving the credit line and its financial impact. I have always taken my credit score and balance seriously, and this is devastating. If I can receive the alert ahead, I could have paid it all off, even I have to dig.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-15 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: NY

Complaint narrative:
Im writing to dispute and request the immediate removal of several fraudulent accounts and inquiries that have shown up on my credit report due to identity theft. These accounts were opened without my knowledge or permission, and Im formally asking that they be deleted under my rights through the Fair Credit Reporting Act ( FCRA ). I also want to make it clear that Im a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ), Im requesting that all fraudulent information tied to this identity theft be blocked and permanently removed from my credit file. I found out my personal info was compromised during the Equifax data breach, which exposed my sensitive data to people who had no business having 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 explanation