vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because Equifax failed to properly reinvestigate my disputes and is still reporting inaccurate and unverified information more than XXXX  days later. I disputed the negative tradelines listed on my report, including XXXX XXXX  ( Acct # XXXX late codes and inconsistent dates between bureaus ), XXXX XXXX  ( Acct # XXXX with prior delinquencies and a dispute resolved consumer disagrees comment ), XXXX XXXX Acct # XXXX reported as a collection/charge-off with conflicting high balances, dates of last activity, dates reported, and credit-limit data across the bureaus ), and XXXX XXXX ( Acct # XXXX collection/charge-off with differences in last activity and status when compared to the other bureaus ). 

For late payments, I asked Equifax to obtain actual documentation showing : The due date for each payment, The date each payment was received/posted, and That the payment was truly XXXX or more days late, not just flagged in their system. 
To lawfully report a late payment under FCRA and XXXX, the furnisher must be able to show that the consumer failed to pay by the due date and remained past due for the full XXXX interval, and those same dates and codes must be consistent across XXXX, Equifax, and XXXX  . Equifax provided no such proof. 
For collections, a valid collection must be supported by FDCPA-level validation : Original signed agreement, Full itemized account history and balance calculation, Proof of ownership/assignment ( chain of title ) to the collection agency, DOFD documentation, and Consistent status and coding in Metro-2. 
For charge-offs like XXXX, Equifax must ensure that : The DOFD is correct and not re-aged, The charge-off date is accurate, The balance and high balance make sense and match the history, The same core facts match across all bureaus, and The creditor is not reporting as both open and charged off in a way that misleads lenders. 
Instead of providing verification, Equifax responded with a letter suggesting my disputes were linked to a third-party credit repair company and then left the negative tradelines on my file. That is a stall tactic and does not change their legal obligations under FCRA 1681i ( a ) to conduct a reasonable reinvestigation within the statutory period. Equifax has not provided contracts, itemized statements, DOFD evidence, or proof of ownership for any of the accounts I questioned. The inconsistent dates, balances, statuses, and comments between bureaus show that Equifax is not ensuring maximum possible accuracy as required by FCRA 1681e ( b ). Continuing to publish unverified negative data also supports illegal collection activity where collection or charged-off accounts are involved, tying into FDCPA 1692g ( b ) and Metro-2 accuracy rules.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for fraudulent inducement and the reporting of inaccurate information to Experian. 

During the sales presentation, my partner and I were misled. We were told : The timeshare was an investment We could rent it out for profit The offer was only available that day We could stay anywhere for {$300.00} {$450.00} per week We could cancel any time We were rushed and pressured without time to review the contract Later, a buyer contacted us offering {$2000.00} per week for our XXXX weeks, but only if we paid activation fees a known scam tied to fraudulent timeshare sales. 

This contract was obtained through fraudulent inducement and is not valid. 

Yet XXXX XXXX XXXX reported a late payment on XX/XX/year>, harming my credit. 

I am requesting : Investigation of the company Removal of all negative credit reporting Assistance in voiding the fraudulent contract XXXX XXXX XXXX is refusing to resolve this matter.

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: NY

Complaint narrative:
Several accounts have appeared on my credit reports that I did not open or authorize. These include credit cards, store accounts, and collection accounts that are inaccurate and unverifiable. I have reviewed my credit reports from Experian, Equifax and TransUnion and confirmed that these accounts are not mine. I submitted an Identity Theft Report to document this misuse of my personal information. I am requesting that all fraudulent and inaccurate accounts be removed immediately. I have attached my Identity Theft Report and dispute letters for all three bureaus to support this request.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate, unverified, and misleading entries appearing on my credit reports. These reporting errors have caused me significant harm, and I request immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed accounts : 1. XXXX Account Ending XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status Reported : Late Payment This late payment reporting is false and inaccurate. I have never made a late payment on this account at any time. I am requesting a full investigation and correction of this inaccurate payment history. 

2. XXXX Account Ending XXXX XXXX Date Opened : XX/XX/XXXX Status Reported : Charge-Off I have no knowledge of this alleged account. This appears to be fraudulent or reported in error. Under FCRA 609 and 611, I am requesting complete validation of this account. If the furnisher can not provide verifiable documentation with my signature, this account must be deleted immediately. 

3. XXXX XXXX Account Ending XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status Reported : Collection I have no knowledge of this debt, was never notified, and did not authorize this collection account. I request strict validation including original creditor information, signed documentation, itemized billing, and proof of ownership of the debt. 
If validation can not be produced, I demand deletion. 

4. XXXX XXXX XXXX Account Ending XXXX XXXX Date Opened : XX/XX/XXXX Status Reported : Collection I have no knowledge of this medical debt, was never billed, and never provided consent for the release of my medical information to any collection agency. This is an FCRA and HIPAA violation. 
If proper validation and legal documentation can not be produced, this account must be removed immediately. 

5. XXXX XXXX Inquiry Dated XX/XX/XXXX This inquiry was not authorized by me. I request removal of this unauthorized inquiry and investigation into why my credit file was accessed without my written consent. 

Requested Resolution I am requesting that the CFPB require the reporting agencies and the furnishers to : Conduct a full investigation under FCRA guidelines Provide verifiable, written proof for each disputed account Correct or delete any account that can not be fully validated Remove any unauthorized inquiry Provide confirmation of corrective actions in writing These errors have negatively impacted my credit score, financial opportunities, and overall consumer rights. I expect a thorough and timely investigation. 

Thank you for your attention.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They did not provide proper documentation They did not verify the balance They did not correct the wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
To whom this may concerns. XXXX has explicitly confirmed that my account was sold to a third-party collection agency. Once an account is sold, the original creditor can not legally continue reporting a balance. Despite this, Experian is still reporting the XXXX account as closed with a past-due balance and marking it as XXXX for collections in XXXX. This is false, misleading, and harmful. 

I can not resolve this with XXXX because they no longer own the account. Their continued reporting of a balance they do not own is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

By allowing this knowingly inaccurate information to remain, you are in violation of : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 failure to properly address disputes FCRA 602 ( a ) failure to provide fair and accurate credit reporting The current reporting is negatively affecting my creditworthiness, preventing me from moving forward with housing and credit applications.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am filing a complaint regarding repeated improper payment allocation practices by PayPal XXXXXXXX XXXX involving my promotional financing balances.

I currently have multiple active special financing promotional purchases, including deferred-interest XXXX promos and a XXXX equal payment deferred-interest promotion. 
Despite the promotional terms stating that these plans run for the full promotional period unless I choose to pay early, Synchrony has repeatedly applied my payments in a way that contradicts the promotional expiration order and accelerates the payoff of long-term promos that are not expiring soon. 
Specific issue : I made a XXXX deferred-interest equal payments purchase on XX/XX/XXXX, which should run through late XXXX. I did NOT authorize early payoff of this promo. However, as of XX/XX/XXXX, that balance has been paid off entirely months or years early even though I have earlier-expiring promotional balances that urgently require payment to avoid accrued deferred interest. 
XXXX examples of these earlier-expiring promotions that should have been prioritized : Discount Tire {$540.00} purchased XX/XX/XXXX XXXX {$150.00} remaining purchased XX/XX/XXXX Both of these expire significantly sooner, yet Synchronys system applied payments to the much later-expiring XX/XX/XXXX promo instead. 
This has happened at least seven separate times, across multiple billing cycles and multiple promotional purchases. 
Impact : I risk being charged retroactive deferred interest on the earlier purchases due to Synchronys allocation choices.

The payment behavior contradicts how the promotions were advertised and represented to me. 
Synchrony refuses ( or is unable ) to provide a clear explanation of why payments are being misallocated in this manner. 
The lack of transparency prevents me from managing my promotional balances responsibly. 
The pattern strongly suggests unfair or deceptive practices under the CFPBs standards, as the banks algorithmic reallocation directly increases the likelihood of deferred-interest penalties, contrary to the consumers reasonable expectations. 
Requested resolution : Correctly reallocate the misapplied payments to the earlier-expiring promotions Restore the proper remaining balance on the XX/XX/XXXX XXXX promo Provide written clarification of their payment allocation methodology and how it complies with federal promotional financing regulations Prevent further unauthorized acceleration of long-term promotional balances I am requesting the CFPB review Synchrony Banks promotional financing allocation practices , as this recurring issue appears to be systemic and unfairly harms consumers.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the repossession/auto loan account reported under XXXX XXXX XXXX, listed on my Experian report under account number XXXX. I did not open, authorize, or have any involvement with this account. This account is the result of identity theft, and the information being reported is false. Under my rights in the Fair Credit Reporting Act, including FCRA 605B ( Identity Theft Block ), 609 ( Right to Information ), and 611 ( Right to Dispute Accuracy ), I am requesting a full investigation and that this fraudulent account be verified, corrected, or removed if it can not be proven with documented evidence that it belongs to me. 
In accordance with FCRA 605B, I am requesting that Experian block and remove this identity-theft account from my credit file and complete the reinvestigation within the required timeframe. Please send me written confirmation of the investigation results and the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX balance was reported I dont owe this debt the only option they gave was to pay this is fraud I dont owe it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX Date : XX/XX/year> To : Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Debt Validation To Whom It May Concern, I am requesting validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ). I received your notice dated XX/XX/year>, and I dispute this debt in its entirety. 
Please provide the following : Proof that I owe the debt, including documentation with my signature. 
The name and address of the original creditor. 
A full itemized statement showing how the balance of {$2100.00} was calculated. 
Proof that Radius Global Solutions LLC is legally authorized to collect this debt in XXXX. 
A copy of the original contract or agreement between me and the original creditor. 
XXXX of the date of last payment, to determine if the debt is within the legal collection period. 
Until you provide the requested validation, you must cease all collection attempts, including phone calls, letters, or reporting to credit bureaus. If this debt has already been placed on my credit report, please note it is now in dispute. 
If you can not provide all validation required by federal law, you are required to remove the debt from your records and cease further communication. 
Thank you, 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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Chime Financial Inc
State: FL

Complaint narrative:
They stated that they were sending paper that this item is clear to remove from credit and still have nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX pl XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> ( XXXX ) Self / Lead XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Re : Formal Dispute & Request for Validation FDCPA 1692g | Cease Communication Notice FDCPA 1692c To Whom It May Concern : I am contacting you regarding an alleged debt that you claim I owe.

This letter serves as my formal written dispute of the alleged debt and my request for full validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

I. Dispute of the Alleged Debt FDCPA 1692g ( b ) Under 1692g ( b ), once I dispute the debt in writing, you must cease all collection activity until you provide proper validation.

Therefore, I request the following : 1. The name and address of the original creditor.

2. A complete itemization of the amount you claim is owed.

3. A copy of the original signed contract or agreement showing I am legally obligated to pay.

4. Proof of your legal right to collect, including any assignment or transfer of the alleged debt.

5. A complete account history, showing how the balance was calculated.

Until you provide all required validation, you must cease collection efforts.

II. Cease and Desist Communication FDCPA 1692c ( c ) Under 15 U.S.C. 1692c ( c ), I hereby request that you stop all communication with me, including calls, letters, emails, texts, or contacts to third parties.

The only communication you are legally allowed to send after receiving this letter is one of the following : 1. A statement that you are terminating further collection efforts, or 2. Your required debt validation as requested above.

Any other communication will be considered a violation of federal law.

III. Notice of Record Keeping Please note : I am documenting all communications related to this matter. Any violation of FDCPA statutes may result in complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and state Attorney General, and may result in civil action under 15 U.S.C. 1692k.

IV. Required Response You must respond within the legal time frame and provide full validation.

If you can not validate the debt, you must : Cease all collection activity, and Request that any credit reporting agency delete the account as unverified. 

Thank you for your prompt compliance. 

Sincerely, XXXX XXXX XXXX XXXX

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 previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company response to consumer: Closed with explanation