vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit report and found multiple errors in my account details. These inaccuracies are negatively impacting my ability to secure credit. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/year>2025, I submitted a formal FCRA dispute to Synchrony Bank regarding the SYNCB/XXXX XXXX  appearing on my credit report. Despite multiple attempts to verify or access this account using my legal name and Social Security number, your customer service repeatedly stated that no such account exists under my identity. I attempted registration, direct verification, and provided reasonable identifying information all failed. 

In my written dispute, I demanded full documentation including the original signed application, transaction history, delivery records, and the identity verification process used at account opening. I also warned that further furnishing of unverifiable data would result in escalation to the CFPB, FTC, and Oregon Attorney Generals Office.

Since filing that dispute, Synchrony has increased the reported balance on my credit file and added a remark stating the account is in dispute. However, no written verification, response, or documentation has been provided. Updating account balances during an open and unresolved dispute, without verification, is a violation of FCRA 1681s-2 ( b ) and FCRA 623 ( a ) ( 8 ) ( E ). This conduct directly contradicts their legal obligation to refrain from furnishing unverified derogatory data.

I am invoking my rights under : FCRA 611 ( a ) ( 1 ), ( 6 ), and ( 7 ) Right to dispute and receive method of verification FCRA 623 ( a ) Furnishers must report only verified and accurate data FCRA 1681s-2 ( b ) No updates are permitted unless verified during an open dispute GLBA 6801 Prohibits furnishing unverifiable personal data I am requesting : Full deletion of the SYNCB/MOR tradeline unless written verification is produced A complete written reinvestigation summary including method of verification and verifying party Immediate suspension of all reporting activity tied to this account unless verification is lawfully achieved Synchrony Bank has failed to lawfully validate this account, yet continues to report damaging information during an unresolved dispute. These actions warrant immediate intervention.

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 2025-04-22 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: WA

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fundo LLC
State: SC

Complaint narrative:
They closed my account with XXXX and it was counted as fraud. The company fundollc have been scamming people since they opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccuracies found on my consumer credit report. Upon reviewing my report, I noticed several discrepancies that violate provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all information in consumer reports to be accurate and complete. The reported balance due on the account listed by each reporting agency is incorrect. This inaccurate reporting misrepresents my financial obligations and impacts my creditworthiness. Dates Account Opened, the three credit reporting agencies furnishing this information are reporting different dates for the same account. This discrepancy affects my credit history, as the length of credit accounts is a crucial factor in determining my credit score. Date Last Active : Again, the dates being reported by the credit reporting agencies ( Equifax, Experian, Transunion ) do not match as they should for each specific account. Date of Last Payment : once again, the dates reported by each reporting agency are inaccurate.This misrepresentation of my payment history has adversely affected my credit score. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which prohibits the reporting of negative information after a specified period. While this relates primarily to the timing of derogatory marks, it underscores the importance of accurate reporting. Under this section, if the information is inaccurate, it must be corrected or removed, regardless of the reporting duration. Additionally, I have previously brought these issues to the attention of the credit bureaus without proper resolution or thorough investigation. This has not only caused ongoing damage to my credit profile but also violates my rights under the FCRA. According to the law, these inaccurate derogatory marks must be removed immediately upon verifying their inaccuracy. Furthermore, I wish to emphasize relevant case law, such as XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the obligation of credit reporting agencies to investigate and correct inaccuracies in consumer reports promptly. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), it is clear that consumers have the right to accurate information, and failure to correct inaccuracies can lead to further injury to the consumer 's credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccuracies found on my consumer credit report. Upon reviewing my report, I noticed several discrepancies that violate provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all information in consumer reports to be accurate and complete. The reported balance due on the account listed by each reporting agency is incorrect. This inaccurate reporting misrepresents my financial obligations and impacts my creditworthiness. Dates Account Opened, the three credit reporting agencies furnishing this information are reporting different dates for the same account. This discrepancy affects my credit history, as the length of credit accounts is a crucial factor in determining my credit score. Date Last Active : Again, the dates being reported by the credit reporting agencies ( Equifax, Experian, Transunion ) do not match as they should for each specific account. Date of Last Payment : once again, the dates reported by each reporting agency are inaccurate.This misrepresentation of my payment history has adversely affected my credit score. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which prohibits the reporting of negative information after a specified period. While this relates primarily to the timing of derogatory marks, it underscores the importance of accurate reporting. Under this section, if the information is inaccurate, it must be corrected or removed, regardless of the reporting duration. Additionally, I have previously brought these issues to the attention of the credit bureaus without proper resolution or thorough investigation. This has not only caused ongoing damage to my credit profile but also violates my rights under the FCRA. According to the law, these inaccurate derogatory marks must be removed immediately upon verifying their inaccuracy. Furthermore, I wish to emphasize relevant case law, such as XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the obligation of credit reporting agencies to investigate and correct inaccuracies in consumer reports promptly. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), it is clear that consumers have the right to accurate information, and failure to correct inaccuracies can lead to further injury to the consumer 's credit profile.

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 2025-04-22 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures ''

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 2025-04-22 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures ''

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 2025-04-22 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: TX

Complaint narrative:
b'I did not authorize or open these items, and it is the result of identity theft. Under the Fair Credit Reporting Act (FCRA)  1681c-2, I am formally requesting the permanent removing of this fraudulent information from my credit report.\n\nXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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:
b'I did not authorize or open these items, and it is the result of identity theft. Under the Fair Credit Reporting Act (FCRA)  1681c-2, I am formally requesting the permanent removing of this fraudulent information from my credit report.\n\nXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I call the debt collector today about the hospital bill. The hospital don't belong to me because it stated, I was there XXXX months ago. I have not been to a hospital none this year. The hospital name is XXXX XXXX  and I had to look it up because I never heard of it before. They denial that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Complaint Against TransUnion Inaccurate Credit Reporting of Charged-Off Account ( XXXX  XXXX XXXX XXXX, Account No. XXXX ) I am submitting this formal complaint regarding TransUnion 's continued reporting of an inaccurate balance on a charged-off account associated with XXXX XXXX XXXX XXXX , account number XXXX. The account is listed as Closed and Charged Off, yet continues to report a balance of {$27000.00}. This is misleading and inconsistent with federal laws and regulatory standards. 

1. Inaccurate Reporting of Charged-Off Debt Violation of GAAP, OCC, and FDIC Regulations Under Generally Accepted Accounting Principles ( GAAP ), OCC Bulletin XXXX, and the FDIC Risk Management Manual , creditors are required to cease accrual and reporting of a balance once an account is charged off. Continuing to report a balance after a charge-off constitutes an inaccurate representation of my financial obligations. 

2. Violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : TransUnion is obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. The reporting of a balance on a charged-off debt contradicts accounting principles and is inherently inaccurate.

15 U.S.C. 1681i ( a ) : I have disputed this information directly with the credit reporting agency and the furnisher. A reinvestigation is legally required.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the data can not be verified, it must be corrected or deleted. 

15 U.S.C. 1681s-2 ( b ) : Furnishers, such as XXXX XXXX, must cease reporting inaccurate or unverifiable information once notified of a dispute. 

3. Potential Violation of Truth in Lending Act ( TILA ) Under 15 U.S.C. 1601 et seq., reporting a post-charge-off balance may misrepresent the financial terms of the original agreement and potentially violate the TILA by overstating financial liability.

4. Securitization and Lack of Standing There is credible reason to believe this account was securitized, which may have resulted in a transfer of ownership. If XXXX XXXX no longer legally owns the account, it can not legally furnish or authorize TransUnion to report it as an active debt. This raises a serious issue regarding the accuracy and legality of the tradeline. 

This inaccurate reporting has negatively affected my credit profile and caused unjust harm. I trust the Bureau will treat this complaint with the urgency and seriousness it warrants.

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 2025-04-22 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-22 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
This breach has caused significant distress and concern regarding the security of my personal and financial data.

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 2025-04-22 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

This breach has caused significant distress and concern regarding the security of my personal and financial data.

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