vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I am disputing the following accounts that appear inaccurately on my credit report with Experian. These accounts are marked as " charged off '' and I believe they may be inaccurately reported or unverifiable. Please review these items and ensure that they are correctly reported in compliance with the Fair Credit Reporting Act ( FCRA ). If these items can not be verified, I request that they be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$690.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX  ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$620.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX  XXXX XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$990.00} XXXXXXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$920.00} XXXX  ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$10000.00} XXXX ( XXXX ) - Date XXXX : XX/XX/XXXX - Balance : {$1000.00} INQUIRIES : 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

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting a review of these late payment records, and if they can not be fully verified, I ask that they be updated or deleted from my report.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Between XX/XX/year> and XX/XX/year>. I received XXXX text messages from this company. Regardless of hours they obtained my account I have never entered into an agreement with them nor have I agreed to contact.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt on Behalf of Synovus Bank Acctount Numbers : XXXX & XXXX that has not been validated. NO notice of alleged debt or anything has been recieved from this entity, On XX/XX/XXXX XXXX I learned the debt was sold to this company while reviewing my credit report. when the Rep admitted in that the account is not eligible for reporting. Despite this, they continue collection activity without proof of ownership or verification. This violates the FDCPA ( 15 U.S.C. 1692g ( b ) ) for continuing collection without validation, and the FCRA ( 15 U.S.C. 1681b ) for lacking permissible purpose to report or share data. Furthermore, I have not recieved any debt validation of this debt nor any notices, the company simply bought the debt from Synovus Bank and I have NEVER recieved any written notice of this alleged debt or any correspondence from this data furnishing company. This is in direct violation of : " 15 U.S.C. 1692g Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; the name of the creditor to whom the debt is owed ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and mail a copy of such verification or judgment to the consumer ; and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I am filing this complaint regarding my auto loan with Credit Acceptance. The account shows as a paid repossession with a {$0.00} balance, yet it is being reported inconsistently and inaccurately across the XXXX credit bureaus. 

On XXXX, it reflects XXXX late payments ; on XXXX, it shows XXXX late payment ; and on XXXX, it shows XXXX late payments. This inconsistency clearly indicates incorrect and unfair reporting. 

The account also notes merchandise taken back by credit grantor and payment after repossession paid, confirming that the account was satisfied. Reporting a paid repossession with such severe delinquency history is misleading and damaging to my credit, violating the accuracy requirements under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-04 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: CA

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Fortiva told me my payment transaction failed because of an issue with my debit card expiry date. I double-checked and they had the correct expiry date, which is XXXX years in the future. My bank then told me there's no issue with my debit card having a security freeze or any similar issue. 

Fortiva waived this month 's late charge, but will still report a late payment to the credit agencies, because of an issue with their own internal transaction processing system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FRAUDULENT CREDIT INQUIRIES Southeast XXXX Fin Auto Financing XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, New XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All Banks XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Capital XXXX All Banks XXXX XXXX, XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX. XXXX, XXXX I affirm under penalty of perjury that the accounts and/or credit inquiries listed above are fraudulent and were not authorized, initiated, or consented to by me. I was not provided clear or transparent terms and conditions regarding the use of my personal information, nor was I informed that it would be reported to consumer reporting agencies. The absence of informed consent constitutes identity theft and unauthorized use of my personal information. I request the immediate and permanent deletion, suppression, and blocking of these items from my consumer credit file, pursuant to my rights under the Since the official FTC XXXX Federal Trade Commission XXXX XXXX for XXXX reports reportfraud.ftc.gov is temporarily out of service ( shutdown ), this letter serves as a formal identity theft report and dispute notice pursuant to the FCRA. 
Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Summary of XXXX XXXX XXXX and Legal Preparation Involved Parties : Furnisher : Sunrise XXXX XXXX XXXX XXXX XXXX 

Original Creditor : XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX  XXXX. Nature of the Violation I discovered on XX/XX/year>, that a false collection account was reported under my Social Security number, tied to another person XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

The fraudulent account ( No. XXXX ) originated from XXXX XXXX XXXX XXXX and was placed for collection by Sunrise XXXX XXXX XXXX XXXX XXXX 

This incorrect information caused an immediate XXXX drop in my Experian XXXX XXXX and interfered with an active land-financing process, despite having all XXXX years of tax returns, bank statements, and work history ready for submission. 

XX/XX/year> : I logged into XXXX, discovered the false debt, and confirmed the identity mix-up. 

Same day : XXXX XXXX XXXX XXXX XXXX to report the error and confirm the debt was not hers. 

Dispute letters were prepared and mailed to XXXX XXXX XXXX XXXX as well as formal demand letters to Sunrise Credit Services and XXXX XXXX XXXX XXXX. 

A Notarized Affidavit of Identity and Non-Ownership and a Notice of Damages & Financial Impact were prepared. 

An Attorney XXXX XXXX was drafted for legal review and transmission to counsel, including the full case narrative, damages summary, and evidence index. 

XXXX. Current Status At least XXXX credit bureau has corrected the false report. 

The remaining bureaus and furnishers are within their XXXX statutory reinvestigation window under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-04 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: FL

Complaint narrative:
I am disputing the following accounts with Experian that are inaccurately reported as charged-off, as well as the inquiries and late payments listed below. I request that these items be investigated for accuracy and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXccount XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX FINANCI Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD Date Opened : XX/XX/XXXX XXXX BANK Date Opened : XX/XX/XXXX ONEMAIN Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-04 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: NC

Complaint narrative:
I am writing to dispute several items on my credit reports. Below is a detailed breakdown of the accounts in dispute, separated by bureau. I respectfully request that the items listed below be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any of these items can not be verified, I request that they be removed from my credit report. 

Equifax ( XXXX ) XXXX for Equifax : I dispute the following charged-off accounts, inquiries, and late payments reported on my Equifax credit report. These items are incorrect, incomplete, or unverifiable, and I request that they be corrected or removed from my file. 

Charged Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, {$800.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$470.00} XXXX OF XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$290.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$6000.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$910.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$640.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

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 : [ XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX 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. 
XXXX XXXX XXXX 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2025 I went into a branch of Chase Bank with {$2500.00} in cash & XXXX {$50.00} checks totaling {$150.00}. The deposit was never counted in front of me. I was given a receipt that stated I had deposited {$1500.00} in cash and {$150.00} in checks. When I made the teller aware of the issue I was told to wait while they counted her drawer. After several minutes I was told that the drawer totaled correctly. I have spoken to the area XXXX that also told me that she counted everything. I requested the video footage of the transaction. {$1000.00} is missing from my deposit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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