vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, one account is incorrectly labeled delinquentit needs to be disputed and updated to show zero late payments.

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 2025-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint because my creditor ; XXXX  ( XXXX, & XXXX ), is reporting late payment on my accounts that are inaccurate and not properly verified. I have disputed this correctly with all 3 credit bureaus and the furnisher continues to fraudulently report without complying with my request for proper address, original creditor, master promissory note, purchase agreement letter with wet signature, transcripts, and the harm it has caused with an increased cost. I am still XXXX XXXX XXXX Proper validation of documentation is required within 30 days under 15 usc 1681s2a furnisher must report accurate information under 1681I. The credit bureaus have not performed a reasonable investigation of the above aforementioned within 30 days and all 3 should be removed from credit and lack of validation.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called XXXX XXXX to ask why my credit score decreased from XXXX. I maintain on time payment. Also question about my bill due date. I spoke to a lady XXXX XX/XX/XXXX and could barely understand her English as she spoke with run on sentences. I began getting anxiety she hung up on me. I wasn't beligerent. Within 5 minutes I got a call back from a male sounding voice with the same accent but much clearer speaking. He then told me someone was accessing my info and using a device with my info in Pennsylvania that was active. He had me open a mirroring app so he could see everything I was doing. He had me open and send {$390.00} from my XXXX that's been there before my layoff here in Ohio since XX/XX/XXXX. Then opened my XXXX XXXX account and forwarded $ XXXX cash app savings and assured me nothing was being removed but taking precautions to secure all my accounts.I contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX, legal aid, The XXXX Ohio police department XXXX FBI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX office and left messages XX/XX/XXXX. I believe the the initial lady on the phone or the voice recording had something to do with the phone call within 5 minutes of her hanging up due to me being frustrated with her. Who else would no I was contacting XXXX XXXX that early and I live alone.I truly believe it was her or the recording. Like she possibly was like ok I'll fix his attitude and give my info to scammer she has on standby. Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom this may concern, I am writing to dispute a charged-off account on my credit report. The account is listed without the full account number, which makes it impossible to verify its validity or confirm that it belongs to me. 

To assist with this matter, I ask that you review the payment history associated with this account. Without a valid account number or accurate payment history I am unable to have confidence in the accuracy of this alleged account. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated. Please verify the accuracy of the information with the furnisher. If it can not be verified, I request that it be removed or corrected on my credit report. 

Please complete your investigation within the 30-day period as required by law and inform me in writing of the outcome. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
The collection account ( XXXX ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I ordered XXXX chairs and an XXXX  from XXXX. The delivery was set for XX/XX/XXXX. On XX/XX/XXXX, fed ex arrived with XXXX chairs and I refused delivery because I had cancelled. XXXX customer service said to deny since it was already in progress. I watched the fed ex driver write refused on each of the XXXX boxes. The umbrella arrived and I refused it. The next day or XXXX later I came home to find the umbrella delivered on my porch. I returned the umbrella to the local XXXX, NJ store. I was credited the {$69.00} for that item. On XX/XX/XXXX I receive an email saying my order was delivered. When I researched this on my XXXX account, it shows the journey the XXXX chairs went on. I have all snapshots of its way down to XXXX, Georgia and pictures of the merchandise sitting on the warehouse floor saying delivered to XXXX, Georgia. XXXX has a warehouse in.XXXX, Georgia.

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 2025-08-29 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: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX, XXXX, and TransUnion are reporting an XXXX  account that does not belong to me and is being listed as a Collection/Chargeoff with a derogatory status. 

Account details : Creditor : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inconsistent across bureaus ) Date Opened : XX/XX/year> Balance : {$370.00} Status : Collection/Chargeoff This account is not mine and I have no contractual relationship with XXXX. Reporting it as mine is false, inaccurate, and damaging to my credit. The fact that XXXX  lists the account number as all zeroes underscores the inaccuracy and unreliability of the reporting. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reporting must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists for furnishing this account.

605 ( 15 U.S.C. 1681c ) Prohibits inaccurate and obsolete information.

607 ( 15 U.S.C. 1681e ) Requires reasonable procedures to assure accuracy ; listing XXXX XXXX XXXX XXXX XXXX as an account number is inherently inaccurate. 

609 ( 15 U.S.C. 1681g ) I have a right to see valid proof of this account, which has not been provided. 

611 ( 15 U.S.C. 1681i ) I exercised my right to dispute ; bureaus must reinvestigate within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Furnishers are prohibited from reporting information they know or should know is inaccurate. 

Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representations.
808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in debt reporting.

809 ( 15 U.S.C. 1692g ) Requires proper validation of debts, which has not been provided. 

Truth in Lending Act ( TILA ) : Requires clear disclosure of consumer obligations. Reporting this account without proof violates this requirement.

Gramm-Leach-Bliley Act ( GLBA ) : Requires safeguarding of consumer financial information. Reporting a non-existent account violates privacy.

Consumer Rights Violations : Right to accurate and fair reporting.

Right to privacy of financial data. 

Right to due process under federal law.

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 2025-08-29 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: 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.

XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-08-29 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing this complaint regarding abusive and predatory behavior on my CareCredit account ending in XXXX, issued by Synchrony Bank. 

In XX/XX/XXXX, Synchrony reduced my credit limit from {$12000.00} to {$6400.00} without any notice or justification. My balance at the time was $ XXXX me immediately at 97 % utilization through no action of my own. Since then, I have made consistent payments and have not made any new purchases. Yet my balance continued to rise due to compounding interest, reaching {$6400.00} in XXXX. 

I later discovered that my APR had been raised from 29.99 % to an excessive 39.99 %, again without notice or explanation. These changeslimit reduction and XXXX hikecreated a situation where my balance grew despite full minimum payments being made. When late fees were incurred due to high and increasing minimums, I still paid the full amounts, including fees, and never went 30 days past due. XXXX fee of {$47.00} amounted to nearly 19 % of that months minimum payment. 

This is not risk-based pricing. This is manufactured XXXX lowered my credit limit, triggered high utilization, raised my APR, and penalized me with compounding interest and late fees. It is a closed loop of debt engineered by the creditor, not created by borrower behavior. 

I submitted a written dispute on XX/XX/XXXX, requesting a review and correction. I received no response. On XX/XX/XXXX, I followed up by phone and spoke with a representative named XXXX, who identified herself as an Account Manager. She confirmed that Synchrony has 30 business days to respond, but acknowledged that no response had been sent. 

When asked about the interest rate increase, she stated that it was allowed under Synchronys terms, but provided no additional explanation. When I asked directly whether nothing can be done, she replied verbatim : Nothing can be done, maam.

Synchronys refusal to review or take action on my formal dispute shows bad faith. Their behavior has caused ongoing financial harm, emotional distress, and a clear erosion of trust. I request full regulatory oversight and consumer protection intervention. 

I am requesting : A full explanation of the credit limit reduction and XXXX increase A full and timely reconsideration of my limit and interest rate Reversal of excessive or compounding interest charges Clarification of the true account open date, which was years before the XXXX date currently shown Please note that I no longer have the card associated with this account - that is how long it has been since I have actively charged on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I am being unfairly penalized by the credit reporting agencies ( Equifax, Experian, TransUnion ) due to 12 unresolved hard inquiries on my credit report. These inquiries are blocking me from improving my credit score, even though I have no debt and have demonstrated responsible financial behavior. 

There is no clear or accessible mechanism for me to dispute or remove these inquiries, which results in my score being artificially suppressed. This unfairly restricts my ability to access credit opportunities and prevents financial recovery.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, one account is incorrectly labeled delinquentit needs to be disputed and updated to show zero late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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