vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear Leadership Team at XXXX XXXX SYNCHRONY BANK : In XX/XX/XXXX, while shopping at a XXXX store, I spoke with a sales associate about promotions. I handed over my drivers license, believing it was only to check eligibility, and then paid cash for my purchase. I was never informed I had been approved for a XXXX credit card, never received the card, and never received any monthly statements. I later learned that all billing statements were sent to the wrong address ( XXXX XXXX XXXX, XXXX XXXX, XXXX MA XXXX ) instead of my correct address ( XXXX XXXX XXXX, XXXX MA XXXX ). 

I first became aware of the account when my XXXX XXXX dropped significantly during the XXXX holiday season. In XX/XX/XXXX, I immediately paid the account in full, including all past due amounts and fees, once I learned of the account. At that time, a Synchrony Bank representative stated they would submit a request to remove the late payment marks and refund the unfair late fees. Despite this, my credit reports still reflect XXXX, XXXX, and XXXX lates for XX/XX/XXXX through XX/XX/XXXX, and I have not been reimbursed for the fees. 

These late marks are the direct result of a billing and address error made by Synchrony XXXX XXXX not any refusal or delay in payment on my part. This constitutes inaccurate reporting under the FCRA 602 ( a ) and 1681e ( b ) ( maximum possible accuracy ), as well as a failure to conduct a reasonable reinvestigation under 1681i. It also raises concerns under Metro 2 reporting standards for incorrect payment history coding. 

I have escalated this issue by CCing XXXX XXXX XXXX leadership, including XXXX XXXX ( XXXX Customer Service ), XXXX XXXX ( XXXX Customer Service ), XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), requesting immediate deletion of these late marks and refund of all fees.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The payment history states Never Late, yet the status shows Charged Off. This is contradictory, as a charge-off requires severe delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and my credit score, making it impossible for me to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-11 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 known for making timely payments, so this record is both misleading and incorrect. I respectfully request it be deleted and my file updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CO

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 explanation
Consumer complaint received 2025-08-11 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: CO

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 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 2025-08-11 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 not responsible for these accounts, and I believe they are the result of identity theft. Please delete them immediately and initiate a full investigation. Attached are my supporting documents.

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 2025-08-11 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:
These fraudulent accounts are not mine. I demand their immediate deletion and an investigation into how they were added. Supporting documentation is provided.

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 2025-08-11 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: GA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MO

Complaint narrative:
XXXX is reporting an account for {$740.00} that does not belong to me. I have sent them my Identity Theft Report. They are reporting this to Experian, XXXX, and XXXX. I have called multiple times to inform them that this account is not mine.

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 2025-08-11 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: MO

Complaint narrative:
XXXX is reporting an account for {$740.00} that does not belong to me. I have sent them my Identity Theft Report. They are reporting this to XXXX, TransUnion, and XXXX. I have called multiple times to inform them that this account is not mine.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
Due to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. According to 20 USC 1232g ( b ) and the several instances of incorrect information on my credit report including dates and amounts I am requesting removal from the credit report. I have documentation showing inaccuracies from XXXX, XXXX, and XXXX as well.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to dispute a serious billing issue involving a consumer financing account through Synchrony Bank. I purchased an air conditioning unit through a third-party company on XX/XX/XXXX, with a total financed amount of {$4900.00}. 

Since the start of the loan, I have made on-time monthly payments of {$170.00}, totaling {$4200.00} as of XX/XX/XXXX. Despite this, the current balance on the account has increased to {$6300.00} instead of decreasing. Synchrony Bank representatives have informed me that this is due to a security interest insurance charge of approximately {$150.00} per month a charge that was never disclosed, explained, or authorized at the time of signing. 

I have made multiple formal requests for the original signed contract, both by phone and in writing. Each time, I was told that it had been ordered and that I should wait 40 days. Despite waiting well over that time period, no contract has been provided. I have called multiple times, and the same response is repeated with no actual follow-up or delivery of the document. As of now, I have made two official requests, and both have been ignored.

I am formally disputing : The accuracy of the reported account balance The validity of the undisclosed security insurance fee The failure to provide the original contract or legally required disclosures I request the following actions : Immediate removal of any unauthorized or hidden fees Correction of my account balance to reflect the payments Ive made Production of the original signed agreement and full itemized accounting This issue is harming my credit and causing financial distress. I have made every reasonable effort to resolve this directly with Synchrony Bank, but they have not complied. I now request assistance to enforce my rights under the Fair Credit Billing Act, the Truth in Lending Act, and relevant state laws

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 2025-08-11 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:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX GA XXXX Thanks, Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$610.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$12000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$21000.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$410.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$280.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$7200.00} XXXX name : XXXXXXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$800.00} XXXX.Account name XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$3400.00} 11.Account name : Account opened : Amount owed : Inquiries Account name : XXXX  Account Opened : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXX.Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXXXXXX XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX.Account name : XXXX XXXX Amount Opened XXXX XX/XX/XXXX XXXXAccount name XXXX XXXX XXXXXXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXXXXXX XXXX  Amount Opened : XX/XX/XXXX XXXX name XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX GA XXXX Thanks, Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$610.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$12000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$21000.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$410.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$280.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$7200.00} XXXX name : XXXXXXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$800.00} XXXX.Account name XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$3400.00} 11.Account name : Account opened : Amount owed : Inquiries Account name : XXXX  Account Opened : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXX.Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXXXXXX XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX.Account name : XXXX XXXX Amount Opened XXXX XX/XX/XXXX XXXXAccount name XXXX XXXX XXXXXXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXXXXXX XXXX  Amount Opened : XX/XX/XXXX XXXX name XXXX XXXX Amount Opened : XX/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 2025-08-11 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am filing this complaint because Equifax has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding an account from XXXX XXXX XXXX that is inaccurate and unverifiable. 

The XXXX account being reported is tied to an original XXXX XXXX account # XXXX that has been deleted from my credit reports by Equifax in fall of XXXX. I have provided Equifax with official dispute results confirming that the XXXX XXXX account was deleted from my Equifax credit file as well as from the other credit bureaus. 

Despite this clear evidence that the original creditor account no longer exists on my file, Equifax continues to report the XXXX collection account as if it is valid. This is inaccurate because XXXX can not verify or legally report a collection that is tied to an account that has been deleted by all three credit bureaus as inaccurate. Since XXXX XXXX  till now I have informed Equifax this is invalid, and they have not shown method of verification. 

Equifaxs recent response to my dispute simply stated the account was verified but did not provide : The name and contact information of the party who verified the account.

Any documentation from XXXX proving they have the legal right to report this account. 
Any records showing a valid, enforceable obligation. 
Under the FCRA, simply confirming with the furnisher that the data matches their own records is not a reasonable reinvestigation especially when documentary evidence has been provided showing the original account has been removed by all three bureaus. 
Equifax is in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy.

I am requesting that CFPB require Equifax to : Delete the XXXX XXXX XXXX account from my Equifax credit file as it is inaccurate and unverifiable. 
Provide written confirmation of the deletion. 
Provide a copy of all documents relied upon in their verification process, as required under the FCRA. 
I have attached : Official dispute results showing deletion of the XXXX XXXX account from all three bureaus, including Equifax. 
My original dispute letter to Equifax. 
Equifaxs XXXX  response showing they failed to provide the Method of Verification, and told XXXX  that it is valid ; while they told CFPB that they are still " working on it ''. I submitted that attachment. 
Current Equifax credit report showing XXXX still reporting. 
Equifaxs continued reporting of this account is causing measurable harm, including credit denials despite an otherwise strong credit profile. I expect the CFPB to take immediate action to ensure this inaccurate information is permanently removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW is reporting the wrong information to XXXX  and XXXX. The first adverse information is XX/XX/XXXXXXXX  but BMW is not reporting the correct information. I tried XXXX times to get this corrected. XXXX XXXX XXXX  told me that BMW keeps validating the account as accurate when BMW clearly see that it is incorrect. I spoke to XXXX with BMW and XXXX  ( XXXX ) and nobody is on the same page. This is destroying my entire life. According to FCRA Section 605B which states that any company that reports have to be accurate. I have been denied credit because of this BMW Account that has been paid off since XXXX. This account is XXXX XXXX XXXX and should be off my credit. I want to sue BMW for not reporting accurate information. Every time I dispute it takes another 30 days which is now 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
There is a XXXX  reporting on my credit report, These XXXX  is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation