vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/year> I called XXXX XXXX  customer service number and asked for a payoff letter to confirm the date and amount that I paid to close the account and confirm the date the account was closed.

I provided my mailing address and it has been well over 30 days and I have not received any information regarding the payment and closing of the account.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/year> I called XXXX XXXX  customer service number and asked for a payoff letter to confirm the date and amount that I paid to close the account and confirm the date the account was closed. 

I provided my mailing address and it has been well over 30 days and I have not received any information regarding the payment and closing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding Synchrony Banks repeated assessment of late fees on my credit card account over the past 18 months. I believe these fees were applied improperly and without reasonable consideration of my payment history or circumstances. 

During this period, Synchrony charged multiple late fees that I do not believe were justified. Some payments were processed on time or within a reasonable grace period, and others were impacted by circumstances that Synchrony did not properly review or accommodate. Despite attempting to resolve this directly with the bank, Synchrony has not provided a fair review or credited the fees back. 

I am requesting the CFPBs assistance in having Synchrony : 1. Conduct a full review of my account for the past 24 months, 2. Provide a clear explanation for each late fee charged, and 3. Credit back all late fees that were assessed improperly or without appropriate consideration.

I am also requesting confirmation that my credit reporting is corrected if any late fees were linked to inaccurate posting of payments or improper fee assessments.

Thank you for your help in Resolving 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 monetary relief
Consumer complaint received 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding the reporting of a late-open account on my Equifax, Experian and TransUnion credit report. Despite previous attempts to have this account accurately reflected, the reported information remains inconsistent with my verified payment history, and I am requesting a thorough reinvestigation under the standards mandated by the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Accurate and complete reporting is essential to fairly represent my credit behavior, and these discrepancies continue to create a misleading impression of my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX Balance {$7600.00}

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 2025-11-29 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: CA

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 2025-11-29 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

Inquiry : XXXXXXXX XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX Auto Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX Auto Date of Inquiry : XXXX Inquiry : XXXX Auto Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX  Date of Inquiry : XXXX Inquiry : XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX  Date of Inquiry : 12.03.2024 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 als
o states a consumer reporting agency can not furnish a account without my written instructions

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 2025-11-29 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:
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 2025-11-29 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: FL

Complaint narrative:
I am submitting this follow-up complaint to demand the permanent removal of multiple inaccurate and unverifiable items that continue to appear on my credit report and cause ongoing harm. The account from XXXX, Account XXXX. XXXX, Balance : {$0.00}, continues to report conflicting information inconsistent with my records; under FCRA XXXX ( a ), any item that can not be verified must be deleted, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they can not prove accurate. The charged-off accounts XXXXXXXX XXXX XXXX, Balance : {$580.00}, XXXX, Account No. XXXXXXXX XXXX XXXX  XXXX : {$0.00} * *, and XXXX, Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} * *, remain on my file despite lacking proper documentation, including required 1099-C forms for balances over {$600.00}, violating FCRA 607 ( b ) and 605B, which mandate deletion when data can not be validated. Collection accounts XXXX, Account XXXX. XXXX, XXXX : {$220.00}, XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$700.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} * *, and XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$930.00} * * remain unverified, and furnishers have failed to provide meaningful validation as required under FDCPA XXXX and XXXX, further mandating removal under FCRA 605B. Inquiries from XXXX ( XX/XX/year> ) and XXXXXXXX XXXX XXXX XXXXXX/XX/year> ) were made without demonstrable permissible purpose, violating FCRA 604 ( a ), 604 ( f ), and 619, and must also be deleted. I request that all of these items be permanently removed from my credit report because they are inaccurate, unverified, and reported without proper authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I am submitting this follow-up complaint to demand the permanent removal of multiple inaccurate and unverifiable items that continue to appear on my credit report and cause ongoing harm. The account from XXXX, Account XXXX. XXXX, Balance : {$0.00}, continues to report conflicting information inconsistent with my records; under FCRA XXXX ( a ), any item that can not be verified must be deleted, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they can not prove accurate. The charged-off accounts XXXXXXXX XXXX XXXX, Balance : {$580.00}, XXXX, Account No. XXXXXXXX XXXX XXXX  XXXX : {$0.00} * *, and XXXX, Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} * *, remain on my file despite lacking proper documentation, including required 1099-C forms for balances over {$600.00}, violating FCRA 607 ( b ) and 605B, which mandate deletion when data can not be validated. Collection accounts XXXX, Account XXXX. XXXX, XXXX : {$220.00}, XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$700.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} * *, and XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$930.00} * * remain unverified, and furnishers have failed to provide meaningful validation as required under FDCPA XXXX and XXXX, further mandating removal under FCRA 605B. Inquiries from XXXX ( XX/XX/year> ) and XXXXXXXX XXXX XXXX XXXXXX/XX/year> ) were made without demonstrable permissible purpose, violating FCRA 604 ( a ), 604 ( f ), and 619, and must also be deleted. I request that all of these items be permanently removed from my credit report because they are inaccurate, unverified, and reported without proper authority.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I must emphasize that this complaint is not a mistake and is entirely legitimate. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. 
These errors are causing significant emotional distress and ongoing negative impacts on my life, which are profound and far-reaching.

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 2025-11-29 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CEASE AND DESIST LETTER [ Your Name or Company Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State ZIP ] XXXX Florida XXXX [ Email Address ] XXXX [ Phone Number ] XXXX [ Date ] XX/XX/year> [ Recipients Name or Company Name ] lvnv funding llc [ Recipients Address ] I dont know it [ City, State ZIP ] I dont know it Re : Cease and Desist [ Describe the Unlawful Conduct ] To Whom It May Concern : This letter serves as a formal Cease and Desist Demand regarding your actions involving [ briefly describe the offending behaviore.g., harassment, defamation, intellectual property infringement, unauthorized use of materials, breach of contract, etc. ].

I have requested multiple times proof of debt, with my signature. I still have not received it. Please remove all lvnv funding off my credit report asap.

These actions are unauthorized, unlawful, and harmful, and they must stop immediately. I am hereby demanding that you : Immediately cease and desist from engaging in the conduct described above.

Refrain from any similar actions now and in the future.

[ Optional : Take corrective action, remove all lvnv funding llc off my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
XXXX transitioned my secured credit card from XXXX XXXX XXXX  to XXXX XXXX  . Since this transition, Experian has been reporting two active balancesone for the old XXXX XXXX XXXX  card and one for the new XXXX XXXX  card. 

XXXX XXXX XXXX  no longer updates my credit file because they are no longer partnered with XXXX. As a result, the XXXX XXXX account shows a stagnant, outdated balance that is being combined with the active XXXX XXXX  balance. This creates the false appearance that I have XXXX open XXXX credit cards with two separate balances, which is inaccurate. 

XXXX has already confirmed that the account was moved to XXXX XXXX  and that only the new XXXX XXXX  account should be reporting. I want to keep all payment history associated with the original XXXX XXXX XXXX  account , but the balance on that older account should be updated to {$0.00} since the credit line was transferred. 

Because Experian keeps reporting both balances as active at the same time, it has doubled my utilization and caused damage to my credit score. I have already disputed this with Experian, but they verified it without fixing the inaccurate reporting.

I am requesting that Experian correct the reporting by : Setting the XXXX XXXX XXXX  XXXX account balance to {$0.00}, Leaving all payment history intact, Reporting only the active XXXX XXXX  secured card balance.

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