vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
I am submitting this letter to dispute the accuracy and legitimacy of the accounts and inquiries listed below. My personal information was compromised in a data breach, and as a result, I believe some of the information reported on my credit file is inaccurate, unverifiable, or the result of unauthorized use. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation of any disputed information and delete or correct any data that can not be verified as accurate.

Please verify the following accounts and inquiries with the original furnishers. If they can not be confirmed as valid, they must be removed immediately from my credit file. 

Accounts in Dispute : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$120.00} Account Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$9300.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-24 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company 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 2025-10-24 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: VA

Complaint narrative:
Dear Experian : There are XXXX errors with your reporting of this account. First, there is no date of first delinquency being reported. Second, the status implies that {$17000.00} was not paid by stating that amount was written off. That is misleading at a minimum. My balance was satisfied in full, which brings me to the final issue. You are reporting a comment that the balance was not paid in full. That comment needs to be removed or changed to say the full amount was paid. I absolutely paid the amount that was legally owed. 
There are also XXXX inquiries in my file that I want to dispute. The inquiry from XXXX XXXX should not be there because I did not give authorization. There is an inquiry from XXXX. The date listed for the inquiry is wrong. There was no inquiry on that date or time period.

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 2025-10-24 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: CA

Complaint narrative:
Subject : Inconsistent and Non-Compliant Reinvestigations by Experian and Equifax XXXX XXXX XXXX and XXXX XXXX Bank Charge-Offs Details : Both Experian and Equifax continue to report inaccurate charge-off accounts from XXXX XXXX XXXX XXXX and XXXX XXXX Bank, despite multiple disputes and supporting evidence provided through the CFPB portal and directly to each bureau. 

Importantly, XX/XX/XXXX has already deleted the XXXX XXXX XXXX XXXX account following its reinvestigation, confirming that the tradeline was either unverifiable or inaccurate under FCRA XXXX ( a ) ( XXXX ). 
However, Experian and Equifax continue to report the same account as verified, demonstrating inconsistent data handling and failure to perform a reasonable reinvestigation as required by FCRA XXXX ( a ) and 15 U.S.C. XXXX ( b ). 

Both bureaus have produced conflicting and incomplete results : Experian marked both accounts verified but failed to provide a Method of Verification ( XX/XX/XXXX ) identifying what evidence or contacts were used. 

Equifax issued generic dispute results and failed to apply the required Metro 2 XX/XX/XXXXcXX/XX/XXXXe indicating a consumer dispute in process. 


This inconsistency between bureaus especially where XXXX bureau deleted and XXXX others retained the same account is strong evidence of non-compliance and a sham investigation. 
Both agencies have also failed to demonstrate that they forwarded all relevant dispute information to the furnishers, violating FCRA XXXX ( a ) ( XXXX ), and failed to confirm the furnishers own reinvestigations under XXXX ( b ).

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 2025-10-24 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: OH

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXX/XX/XXXXXXXX FRAUDULENT INQUIRIES : XXXX BANK - XX/XX/year> 2024

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I purchased mattresses and bed frames about a year ago from a mattress company. We bought it on a credit card through the company synchrony home, this line of credit was provided by the mattress company at their suggestion how is not told of any promotional offers on the card. Just so I can make a minimum payment each month and pay the mattresses off that way. So I set it up on automatic payment at the minimum/suggested amount from synchrony home. 

It has been just over a year since then, I checked my account just yesterday to see how much I still had owed ( weve been planning to keep it just for credit building purposes, but Ive had the ability to pay it off for months now ). 

Only to find that is supposed promotion had ended about a month ago, and the penalty for not paying the car off in full was over {$3000.00} in interest fees. This was not made clear to me at any point. Furthermore the amount suggested by the company for the automatic monthly payment was not near enough to pay off the debt by the time the supposed promotion Had ended. By the time the promotion ended, I still head over {$6000.00} left while still paying the suggested amount to synchrony home. 

I called the company today to talk to them about resolving this, I guess there was a grace period of XX/XX/XXXX days which end it XX/XX/XXXX days ago to have the entrance fee waived, they said theres nothing they could do about it, and I would have to pay it off. 

I find this unjust for the following reasons. 

XXXX. The ramifications of the promotion were never explained. 
XXXX. They told me my statement letters had had the promotion ending day listed on it ( on further review of my statements. The only thing it ever said it was on the last one at the very bottom it said promotion expiring shortly XXXX. The suggestion amount pay synchrony home should have been enough to to pay off the debt by the time the promotion ended. Instead, it is very predatory, seeming to suggest an amount that will cause an expiration of the promotion an add on a {$3000.00} interest rate. 
XXXX. Received any sort of email notifying me specifically that the promotion was expired or that there was a grace period to that interest rate. I had no idea about the change until my most recent statement where I was informed I know more on the card then the initial purchase amount. 

I called the company offered to pay in full right now to remove the interest they did not accept the offer, I did pay {$7000.00} however and then didnt research that I can file a complaint this way. I am quite frustrated. I feel very cheated.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: IL

Complaint narrative:
In XX/XX/XXXX I filed XXXXXX/XX/XXXX. However, in XX/XX/XXXX I received emails from Mohela stating that a student loan payment was due. I submitted a General Forbearance Request on XX/XX/XXXX, stating I was currently in XX/XX/XXXXXXXX. After the submission of this document, I thought the issue was resolved. Nevertheless, I started receiving notifications for the past week regarding missed Mohela payments on my credit report. When I logged into my Mohela account, it demonstrated XXXX missed payments. After making many attempts in speaking with a customer service representative, on XX/XX/XXXX, I finally spoke with an individual named XXXX that researched my account and stated I am not obligated to make payments during XX/XX/XXXX. XXXX stated she was transferring me to someone else that would be able to further assist me. The next person I spoke with was XXXX. After being placed on hold several times, due to research and investigation for a resolution, XXXX said she was transferring me to a supervisor to escalate this problem. That was a fabrication. I was transferred to an automated system asking if I would like a call back press XXXX. I have not received a response from Mohela, and I am still receiving notifications regarding missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XX/XX/XXXX SSN : XXXX CAPITAL ONE ACCOUNT : XXXX DATE OF TRANSACTION POSTED XX/XX/XXXX TRANSACTION ID : XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX CA Dispute claim confirmation : XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX( XXXX XXXX ) : I attempted to withdraw {$500.00} from a XXXX bank ATM. Funds were debited from my account however the ATM went offline for some reason and canceled the transaction without dispensing funds. I tried to call my bank ( CAPITAL ONE ) but they were closed till the morning... 
XX/XX/XXXX : The transaction posted on the account and I filed a dispute with my bank effective XX/XX/XXXX. 
I Know there is consumer protections for events like this but my bank is responsible be the one to start the process for the consumer. I explained to capital one that this transaction has put me In a severe financial hardship and after XX/XX/XXXX days I requested a expedited action for provisional credit due to these circumstances and I was denied and told to wait until XX/XX/XXXX ... XX/XX/XXXX is XXXX business days from my dispute date. I explained to them again today that im out of food and my rent is now way past due and again today XX/XX/XXXX asked if they can help me get some kind of funds available. Capital one said unfortunately we submitted a request and the decision was no. I asked for a explanation to this decision and no answer. I have never had a dispute before and my direct deposit goes through capital one I don't know why I have to suffer when I have no fault in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :XX/XX/XXXXXXXX FRAUDULENT INQUIRIES :XX/XX/XXXXXXXX - XX/XX/2025 2025

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 2025-10-24 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 Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX CARD, XXXXXX/XX/XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligationswithoutdelay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed multiple complaints about my credit reports with the bureaus and you. I added Equifax to the last request and you have not included it in my current complaint log. Please add them. I want my credit report to be reflective of my actual history. Which includesXX/XX/XXXX years of on time mortgage payments. Something which would drastically improve my scores. 

Addresses as follows : Names under XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX as possibilities. All related to me. 

- XXXX XXXX XXXX XXXX, TN XXXX - XXXXXX/XX/XXXXXXXX, TN XXXX - XX/XX/XXXX XXXX XXXX, TN XXXX - XXXX XXXX XXXX XXXX XXXX, TN XXXX The last residence I had XX/XX/XXXXand XX/XX/XXXX mortgage. XXXX of my reports shows theXX/XX/XXXX but not theXX/XX/XXXX? Makes NO sense. I am being targeted and marginalized and they are using my credit and other means to do it. I also made many successful car payments and other credit card payments over the history of my credit on time as well.

Company response to consumer: Closed with explanation