vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am submitting this complaint regarding a returned payment fee of {$27.00} assessed by Synchrony Bank on my Lowes credit card account. The fee resulted from an inadvertent selection of a closed bank account due to unclear account labeling in the payment system. I promptly corrected the error by submitting a successful payment from my active account. Despite this, Synchrony assessed a returned payment fee and has declined to remove it. I am requesting review and correction of this charge, which I believe is unwarranted given the circumstances and prompt corrective action. 

I am submitting this letter as a formal dispute and request for correction regarding a returned payment fee assessed on my Lowes credit card account. 

On or about XX/XX/year>, I initiated an online payment through XXXXynchronys payment system. Due to the way my linked bank accounts were displayed, I inadvertently selected a closed bank account, as it was not clearly identifiable as inactive. Upon realizing the error, I immediately submitted a second payment using my active bank account, which processed successfully.

Despite the prompt corrective payment and no intent to avoid or delay payment, a returned payment fee was assessed approximately two weeks later. I believe this fee is unwarranted under the circumstances, as the error was promptly corrected and no loss resulted from failure to pay. 

This letter constitutes notice that I am disputing the returned payment fee and requesting its removal as a billing error or, alternatively, as a goodwill adjustment. I respectfully request a written response confirming the correction or explaining the basis for maintaining the charge. 

Please note that this dispute is being submitted within the required timeframe from the statement date on which the fee first appeared. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX for failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. 

XXXX XXXX continues to report a charged off utility account with the following details. 

Company information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Account details Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account type : Utility company Responsibility : Individual account Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX High balance : {$200.00} Past due : {$200.00} Payment received : {$0.00} Last payment made : XX/XX/XXXX Pay status : Charge off Date updated : XX/XX/XXXX I disputed this account with the credit reporting agencies. XXXX XXXX verified the account without conducting a reasonable reinvestigation. The verification failed to address the accuracy of the balance, the charge off status, and the basis for continued reporting after account closure. No documentation or evidence was provided to support the reporting. 

This conduct violates the Fair Credit Reporting Act, including the following provisions. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to conduct a reasonable investigation after receiving notice of a dispute from a consumer reporting agency.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Failure to review all relevant information provided by the consumer reporting agency.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) Failure to report complete and accurate results of the investigation.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to promptly correct or delete information found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) Continued furnishing of inaccurate information to consumer reporting agencies.

XXXX XXXX  continues reporting this account as a valid charge off without providing proof of the balance calculation, billing records, or justification for reporting after closure. This reflects a perfunctory reinvestigation rather than a lawful review required under the FCRA.

I request regulatory assistance requiring XXXX XXXX to comply with the Fair Credit Reporting Act by deleting this account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I insist that these accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
Could you double-check this entry? Im unsure about its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked out my report recently and noticed unauthorized inquiries that do not belong to me.

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 2025-12-23 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: NY

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid off my balance on XX/XX/XXXX I called on XX/XX/XXXX to see when the card would be available for use, I was told that at midnight XX/XX/XXXX XX/XX/XXXX This morning my card was still not available for use, I called and was told the funds were on hold until XX/XX/XXXX because I paid from a new checking account. 
This is ridiculous and puts me in a bad position, they escalated and they still couldn't release funds. I was not late or in any kind of bad position so they should not have punished me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX  is inaccurate and can not be verified under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). - I disputed XXXX times online via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( Screenshots attached )- XXXX  never validated under FDCPA 809. - I sued them in XXXX XXXX XXXX XXXX XXXX XXXX ], Case # XXXX ( first page attached ). - XXXX says investigation completed and info will remain but never provided verification documents ( 1681g ( a ) ( 2 ) ). DEMAND : DELETE the tradeline under 1681i ( a ) ( 5 ) ( A ) it can not be verified. Refusal = willful FCRA violation ( 1681n ). Attachments : XXXX XXXX XXXX dispute screenshots XXXX dispute screenshots XXXX XXXX  dispute screenshots XXXX. XXXX XXXX court docket XXXX Credit report page ( XXXX highlighted ) XXXX. XXXX XXXX XXXX ruling. 

Equifax 's response does not resolve my complaint and demonstrates continued violation of the Fair Credit Reporting Act ( FCRA ) .Equifax states they " verified that this item belongs to you '' and received " additional information from the original source, '' but they provide no details about what information Discover provided or how it addresses the evidence I submitted. 
More importantly, Equifax completely fails to acknowledge or address the key facts I provided : A Magisterial District Judge ( MDJ ) court has already ruled in my favor, finding that XXXX failed to validate the debt The matter is on appeal by XXXX and remains pendingno final validation exists. 
Under both FCRA and FDCPA standards, an unvalidated debt in active litigation can not be reported as verified without qualification. 

A " reasonable investigation '' under 15 U.S.C. 1681i requires Equifax to do more than blindly accept the furnisher 's word when the consumer provides contradictory court evidence. The CFPB 's own guidance ( Circular XXXX : Credit Reporting Companies Must Conduct Reasonable Investigations of Disputes ) states that reinvestigations can not be superficial and must consider all relevant information submitted by the consumer. Equifax 's response contains no indication they reviewed the court ruling at all.Simply describing their generic dispute process is not a substantive response to my specific evidence. This is the same inadequate procedure they have repeated across multiple disputes and my prior CFPB complaint. 
Equifax 's continued inaccurate reporting is causing ongoing harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC Account Balance {$1000.00} Consumer : XXXX XXXX XXXX XXXX : LVNV Funding LLC Product : Debt Collection Issue : Credit Reporting Inaccurate / Re-Aging Credit Bureaus Involved : XXXX XXXX XXXX Complaint Statement LVNV Funding LLC is furnishing inaccurate and misleading credit information in violation of the Fair Credit Reporting Act. 
This account is reported as a collection account with a past-due balance, fabricated credit terms ( XXXX ), and a payment history implying missed scheduled payments. LVNV is a debt buyer and was never the original creditor, and therefore can not lawfully report historical payment data or credit terms.

The reported date opened does not align with the original creditors Date of First Delinquency, raising concerns of illegal re-aging under FCRA 605 ( c ).

LVNV has failed to provide : Proof of legal ownership Chain of assignment Original creditor documentation Verified DOFD Prior disputes resulted in superficial updates without correction of inaccuracies, demonstrating a failure to conduct a reasonable reinvestigation.

Requested Resolution : Immediate deletion of this LVNV Funding tradeline unless lawful documentary verification from the original creditor can be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding an inaccurate and improperly reported collection account by National Credit Systems related to a former rental property, XXXX XXXX XXXX XXXX. 

National Credit Systems is reporting a collection balance of {$4100.00} that stems from charges associated with a rental unit that had serious uninhabitable conditions, including contaminated/black water issues, faulty carbon monoxide detectors, and human waste coming out of all drains. These conditions made the unit unsafe for occupancy. Management was notified of these issues, and I was informed that I would not be charged for the affected period and related utilities. 

Despite these assurances, charges were later assessed and sent to collections without proper justification. The amount being reported does not accurately reflect a legally owed debt and fails to account for the uninhabitable conditions of the unit. 

I have disputed this account and requested full validation from National Credit Systems, including documentation supporting the charges, a signed lease agreement, and proof that the charges were legally owed despite the unsafe living conditions. As of now, the account continues to be reported on my credit without proper validation. 

This inaccurate reporting has caused significant harm by negatively impacting my credit profile and preventing me from securing housing. I am requesting that this account be fully investigated, properly validated, or removed from my credit report if validation can not be provided. 

I am asking the CFPB to assist in ensuring compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and to require correction or deletion of this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX, INC. account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-12-23 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute several entries on my credit report as they do not accurately reflect my credit history. The following accounts are being disputed due to their inaccurate reporting and discrepancies with the Fair Credit Reporting Act ( FCRA ). Please investigate and correct these items promptly. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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