vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I am a consumer who is trying to fix my credit, and I am submitting this dispute regarding the following accounts on my credit report. Below are the details of the disputed accounts separated by each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Late Payments XXXX XXXX  XXXX XXXX XXXXXXXX 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 2025-12-02 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 am filing this complaint because several items across my credit reports appear to be inaccurate, inconsistent, or unverifiable. I am requesting that the CFPB assist in ensuring all three credit bureaus conduct a proper investigation under the FCRA. I am only asking that all information be verified with documentation or removed if it can not be validated.

Charged-Off / Collection Accounts I am disputing the following Experian accounts due to inaccuracies or unverifiable reporting : XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$29000.00} XXXX & XXXX Acct XXXX XXXX XXXX XXXX *, XXXX XX/XX/XXXX {$9200.00} XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$760.00} XXXXXXXX XXXX XXXXXXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$1300.00} These accounts appear inconsistent with the other bureaus or lack proper verification.

B. Hard Inquiries I dispute the following inquiries as inaccurate or without proper authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request verification or deletion of any inquiry that can not be fully supported. 

C. Late Payments I dispute the late payment history for : XXXX XXXX XXXXXXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting appears inaccurate and should be verified or corrected.

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I would like to note that my name on the following accounts discussed is XXXX XXXX ( maiden name = XXXX ). On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX credit accounts managed by Synchrony bank were transfered to Imprint banking. I had an account at synchrony in the form of a crate and barrel visa signature card. on XX/XX/XXXX, prior to the transfer, i placed an order in the amount of {$110.00}. On XXXX I paid that balance in FULL to Synchrony bank ( photo attached from statement ). Synchrony bank said that any payments made on or after XXXX were cancelled and should be made to imprint. However, mine was made before then. Approximately XXXX month later, after the transfer to XXXX, I followed the instructions to make an account with Imprint and was able to log in and view my account. I saw that the {$110.00} balance was now showing on my Imprint account and was charged interest. I called XXXX at that time and they removed the interest and said that they were still in the process of transferring payments from Synchrony bank and to not worry, the interest would be waived. This was also relayed via their automated messaging system set up on the call. On XX/XX/XXXX, I tried to log back in and I was unable to access my XXXX account via their website and got error messages. I called and placed a ticket and Imprint said they had no record of an account under my name, phone number, or email address. Then on XX/XX/XXXX i recieved an email from XXXX telling me that i owed money and a payment, despite being told they have no record of me. As of today XX/XX/XXXX i have placed over XXXX calls to XXXX and XXXX call to Synchrony to try and resolve this issue and figure out where my account stands. Synchrony no longer has a working line for XXXXXXXX XXXX XXXXXXXX customers, and XXXX keeps telling me to call them and that XXXX can not help. I am afraid that I have an outstanding balance somewhere that I am not aware of that will impact my credit negatively, even though I have record of paying that balance in full. I never recieved a new card from XXXX despite asking twice for a new card and this has been a total disaster.

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 2025-12-02 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: DE

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: DailyPay, Inc
State: CO

Complaint narrative:
DailyPay offered me an available balance and allowed me to transfer money that they later claimed I had not earned. Their system approved the transfer and then immediately placed my account into a negative balance. 

I was not given any warning or notification that the transfer would cause a negative balance, nor was I informed that DailyPay could take my entire future earnings to cover an overdraft they created. 

DailyPay is now using my work earnings to work off this negative balance, leaving me with no access to the money I earned. This XXXX XXXX XXXX XXXX was never disclosed clearly before use. 

This is an unfair and deceptive practice : They represented that I had available earnings when I did not. 
They allowed a transaction they knew would create a negative balance. 
They withheld future wages without clear consent. 

I am requesting an investigation and for DailyPay to remove the negative balance and return the earnings that were taken to cover this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This is a follow-up complaint regarding [ Experian  / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQ : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Review the documents provided ; the queries arrived without warning and could be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am disputing the following accounts on my credit report with each of the bureaus listed below. I am seeking resolution due to discrepancies and inaccuracies in the reporting of these accounts. 

XXXX XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting false, inconsistent, and damaging information on my credit report related to my secured loan. 

I made a payment of {$170.00} on XX/XX/year>, and XXXX confirmed this payment in writing ( Payment Processed Successfully ). Today, XX/XX/year>, I paid the loan off completely with a final payment of {$140.00}, bringing the balance to {$0.00}. 

Despite these payments and the loan being fully satisfied, XXXX reported my account as 30 DAYS LATE on XX/XX/year>, which is completely inaccurate. Their own reporting shows XXXX as XXXX, yet they still reported a XX/XX/XXXX late. This is contradictory and impossible if XXXX is marked XXXX, there can not be a XXXX late the very next month. 

On top of that, XXXX is also reporting a long history of late payments and derogatory marks that do not match my account activity, do not align with posted payments, and do not reflect the final payoff. The reporting is internally inconsistent, contradictory, and in violation of the FCRA requirement for maximum accuracy. 

Violations Radiant is violating : FCRA 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information FCRA 1681s-2 ( a ) ( 2 ) failure to correct inaccurate info FCRA 1681e ( b ) failure to maintain reasonable accuracy procedures What I Am Requesting Since the loan is now PAID IN FULL, and the reporting has been proven inaccurate and inconsistent, I am requesting : 1. Immediate removal of the false 30-day late reported on XX/XX/year>. 
XXXX. Correction of XX/XX/year> reporting, which shows XXXX but was still treated as delinquent. 
XXXX. Removal of ALL previously reported late payments and derogatory marks, as the reporting history does not match actual payment activity and is clearly unreliable. 
XXXX. Update the account immediately to reflect : PAID IN FULL {$0.00} BALANCE CLOSED NEVER LATE/ NO DEROGATORY MARKS. 

Given the proven contradictions and the loan now being paid off, the continued presence of negative marks is both inaccurate and unfairly damaging. 

Evidence Provided Screenshot showing XXXX marked as Current Screenshot showing false XXXX late XX/XX/XXXX payment confirmation XX/XX/XXXX payoff confirmation Loan now at XXXX balance Payment history inconsistencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting false, inconsistent, and damaging information on my credit report related to my secured loan. 

I made a payment of {$170.00} on XX/XX/year>, and XXXX confirmed this payment in writing ( Payment Processed Successfully ). Today, XX/XX/year>, I paid the loan off completely with a final payment of {$140.00}, bringing the balance to {$0.00}. 

Despite these payments and the loan being fully satisfied, XXXX reported my account as 30 DAYS LATE on XX/XX/year>, which is completely inaccurate. Their own reporting shows XXXX as XXXX, yet they still reported a XX/XX/XXXX late. This is contradictory and impossible if XXXX is marked XXXX, there can not be a XXXX late the very next month. 

On top of that, XXXX is also reporting a long history of late payments and derogatory marks that do not match my account activity, do not align with posted payments, and do not reflect the final payoff. The reporting is internally inconsistent, contradictory, and in violation of the FCRA requirement for maximum accuracy.

Violations Radiant is violating : FCRA 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information FCRA 1681s-2 ( a ) ( 2 ) failure to correct inaccurate info FCRA 1681e ( b ) failure to maintain reasonable accuracy procedures What I Am Requesting Since the loan is now PAID IN FULL, and the reporting has been proven inaccurate and inconsistent, I am requesting : 1. Immediate removal of the false 30-day late reported on XX/XX/year>. 
XXXX. Correction of XX/XX/year> reporting, which shows Current but was still treated as delinquent.

3. Removal of ALL previously reported late payments and derogatory marks, as the reporting history does not match actual payment activity and is clearly unreliable. 
XXXX. Update the account immediately to reflect : PAID IN FULL {$0.00} BALANCE CLOSED NEVER LATE/ NO DEROGATORY MARKS. 

Given the proven contradictions and the loan now being paid off, the continued presence of negative marks is both inaccurate and unfairly damaging. 

Evidence Provided Screenshot showing XXXX marked as Current Screenshot showing false XXXX late XX/XX/XXXX payment confirmation XX/XX/XXXX payoff confirmation Loan now at XXXX balance Payment history inconsistencies

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