vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: KY

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 non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in to be removed.

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. 

XXXXXXXX XXXX XXXXXXXX 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! 

Delete the late payments from my consumer reports

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 2025-06-11 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 a XXXX XXXX XXXX and have sent Equifax my official letters for blocking information due to XXXX XXXX on 605C. They have not done so and even placed on information from the perpetrators, their debts, and their places of residence. This places me and my family in harms way and risk. Because of this data breached by Equifax, the criminals now know where I live! Equifax the furnishers of the data breach and they gave information about me to them. I did not allow Equifax to share any of my information with anyone or post it! Equifax is the third party that is illegally sharing information with the criminals in my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
On XX/XX/year>, Barclays Bank changed my credit card billing from mailed statements to paperless billing without my knowledge or consent. Because of this change, I never received a bill, and my account became past due. I also didn't realize there were any charges because my little sister purchased something on XXXX. The card had inadvertently been saved to my family 's XXXX account, even though it was not the default payment method. On XX/XX/year>, the day I received a notice in the mail that Barclays had lowered my credit limit due to a delinquency, I called them and paid the balance in full. Barclays informed me that they had changed the account to paperless billing on XX/XX/year>. I explained that I had never authorized paperless billing and would have paid it on time if they had mailed me the bill. They said they would investigate how this happened. However, they never investigated and reported the delinquency to the credit bureaus, which ruined my credit.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I reported a fraudulent account ( Creditor : XXXX XXXX/ Account Number : XXXX ) to Equifax, which is listed on my credit report. I explained to Equifax that I am a victim of identity theft and have reason to believe that the account was opened without my authorization during the Equifax data breach. I provided an FTC Identity Theft Report along with my identification to Equifax. They removed the account from my credit report ; however, they added the account back to my report without explanation. As a result, I submitted an initial complaint to the CFPB on XX/XX/year> ( XXXX ). The company responded on XX/XX/year> by stating that they deleted the account from my credit file ; however, the account remained on my credit report & was never removed. On XX/XX/year> I submitted a second complaint to the CFPB ( XXXX ) as a result of this error. Today, XX/XX/year>, Equifax responded by stating that the account was deleted from my credit file once again, however the account still remains on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: GA

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 explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 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. XXXX XXXX XXXX XXXX AND XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: LA

Complaint narrative:
Zion Debt Holdings has reported two inaccurate and unauthorized accounts to my credit reports without ever contacting me or providing any validation of the debt. I was never notified about these accounts, never given the opportunity to dispute them, and never received any written communication in accordance with the Fair Debt Collection Practices Act ( FDCPA ). These accountsboth listed under account # XXXX with balances of {$2300.00} and {$2900.00}, allegedly owed to original creditor XXXXare not mine and are being reported without verification, in violation of the Fair Credit Reporting Act ( FCRA ). This has caused financial hardship and negatively impacted my credit profile. I am requesting the CFPBs assistance in having these accounts permanently removed from all credit reporting agencies and holding Zion Debt Holdings accountable for their non-compliance with federal consumer protection laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I recently was approved for a Care Credit card through Synchrony Bank and was instantly approved for {$2000.00} to use for a couple of medical procedures, since I don't have medical insurance. When I tried to use the card to pre-pay online for a medical procedure that I was going to have, it was declined. I tried multiple times, including with help from a customer service rep from the hospital where the procedure was to take place, to no avail, and I had to split the payment ( {$520.00} ) onto 2 other credit cards that I have. On another day I tried to use the card to purchase my prescriptions, and it was also declined. When I called Synchrony Bank to address the issue, the customer service rep that was helping me said that he had to reinstate my card, but that I was good to use it. Last week, I received a letter in the mail from Synchrony stating that my credit limit was decreased due to " purchase behavior indicative of high risk '', and my limit was dropped to {$530.00}. I called Synchrony to ask why, and the rep said that they base their decision on credit history as a whole, not just that particular card, but I feel that that is unjust. My credit history is good, and had I have been able to utilize the care credit card in the 1st place, I wouldn't have had to split that payment and use 2 of my other cards. The decline in my credit limit also impacted my credit score, which I've been working very hard on to fix.

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 2025-06-11 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 putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the following information in my credit report. I have reviewed my credit report and found inaccurate information that I am requesting be investigated and corrected. 

The item I am disputing is as follows : Creditor Name : XXXX XXXX XXXX Account Number : [ Account number ] Reported Information : Inaccurate name and information. 
Reason for Dispute : it saids my name is XXXX XXXX XXXX. My name is not XXXX XXXX XXXX never has been. It also saids that is an open account. That is also false. They sold the account to a collection agency and is in collections I am requesting that this item be investigated and removed or corrected. Enclosed are copies of supporting documentation to assist with the investigation. These include [ list the documents you are attaching, such as bank statements, payment confirmation, letters, etc. ]. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and you are required to investigate and respond within XXXX days. 

Please confirm receipt of this dispute and provide a written response upon completion of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the following information in my credit report. I have reviewed my credit report and found inaccurate information that I am requesting be investigated and corrected. 

The item I am disputing is as follows : Creditor Name : XXXX XXXX XXXX Account Number : [ Account number ] Reported Information : Inaccurate name and information. 
Reason for Dispute : it saids my name is XXXX XXXX XXXX. My name is not XXXX XXXX XXXX never has been. It also saids that is an open account. That is also false. They sold the account to a collection agency and is in collections I am requesting that this item be investigated and removed or corrected. Enclosed are copies of supporting documentation to assist with the investigation. These include [ list the documents you are attaching, such as bank statements, payment confirmation, letters, etc. ]. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and you are required to investigate and respond within XXXX days. 

Please confirm receipt of this dispute and provide a written response upon completion of your investigation. 

Sincerely, 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 2025-06-11 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: NJ

Complaint narrative:
This information was reported to Experian, but dispute misreporting persists without remedy on the credit 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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  CA XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00}

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 non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am submitting this complaint against EQUIFAX for its continued reporting of inaccurate and unverified information, which I have previously disputed. Despite providing a written request for investigation and method of verification, EQUIFAX has failed to correct or remove the items, impacting my credit rating and rights under the FCRA. 

The disputed accounts on my EQUIFAX credit report include : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Status : Charge Off XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$36.00} Status : Closed/Credit Card 30 Days Late XXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Status : XXXX Multiple 30 Days Late XXXXXXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Status : Charge Off XXXXXXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Status : Charge Off I believe the duplicate XXXX XXXX entries represent redundant reporting, and the status of several other accounts is inaccurate or lacks sufficient documentation. I specifically requested proof of the investigation and verification sources under FCRA Section 611, but EQUIFAX did not provide it.

Company response to consumer: Closed with non-monetary relief