vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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 am filing this complaint because I have not received any responses, verifications, or documentation from the credit bureaus or the collection agencies after multiple disputes were submitted. It has now been well over XXXX  days, and I still have not received any written communication or reinvestigation results. 
I have sent XXXX rounds of disputes, and a third round was submitted recently, challenging multiple inaccurate and unverifiable accounts appearing on my credit reports, including but not limited to : XXXX XXXX Account ending in XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX Treasury Collection accounts XXXX XXXX XXXX and XXXX None of these accounts have been verified under the XXXX XXXX standards or the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureaus are required to investigate and provide written verification results within XXXX  days of receiving a dispute. This has not been done.

Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request and receive the method of verification and source of information for any disputed account. I have not received this information from any bureau or furnisher. 
Under XXXX XXXX Compliance Standards, data furnishers must report information accurately and consistently across all three bureaus. There are multiple inconsistencies in the reporting of balances, dates of last activity, and account statuses between Experian, Equifax, and TransUnion, which indicates noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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 formally challenge the reporting of accounts that I did not establish. Kindly investigate thoroughly and delete them from my record. Supporting evidence is enclosed.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hello, Im writing to address an issue with the credit reporting on my former account with XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, DE XXXX, previously informed me that the debt in question had been sold to another company, which is now responsible for reporting. However, the account is still being reported as a charge-off, despite the fact that it was included in my Chapter XXXX bankruptcy and has been legally XXXX. 

I contacted XXXX at XXXX regarding the response from Portfolio Recovery Services, and while he did reply initially, he stated that he could not respond to emails he had already addressed. This gives the impression that XXXX may be intentionally avoiding written communication with me and potentially other consumers, which is concerning. I feel at this point this intentional to negatively impact my credit. 

I notified the reporting company of this discrepancy and provided documentation confirming the discharge, yet they have refused to update the account status accordingly. This failure to reflect the bankruptcy discharge is not only inaccurate but also a potential violation of federal bankruptcy laws. 

My attorney has advised that since the account is still being reported under XXXX name, they bear responsibility for ensuring the information is accurate. This position has been supported by Experian and by leadership at my place of employment, who specialize in collections and credit reporting compliance. 
For your reference, I have attached the Notice Recipients and XXXX documents filed with the court by my attorney. 

I respectfully request that this matter be corrected promptly to reflect the XXXX status of the account in accordance with the law. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I discovered that Synchrony Bank added retroactive deferred interest charges to my XXXX XXXX store credit account, even though I had made all payments on time and often above the minimum amount. The entire original balance was charged interest after the promotional period expired. This practice is deceptive and unfair. 

On XX/XX/XXXX, I called Synchrony Bank and offered to pay the remaining original principal balance before the deferred interest was added. The representative refused my good-faith offer but agreed to stop the daily collection calls. 

On XX/XX/XXXX, I sent a formal written dispute and cease-communication letter by certified mail ( with return receipt ). In that letter, I requested : Validation of the debt and complete monthly statements for the life of the account ; Cease of all phone contact under the Fair Debt Collection Practices Act ( FDCPA ) ; and Temporary suspension of negative credit reporting while the dispute was investigated. 

Synchrony Bank refused delivery of this certified letter. The envelope was returned to me as unaccepted. This means they intentionally ignored my lawful written dispute and information request. 
Despite this, XXXX continued reporting negative information to credit bureaus without marking the account as disputed by consumer. That violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ). 

This behavior is consistent with Synchronys recent enforcement actions by regulators, including a XXXX CFPB lawsuit for failure to manage consumer disputes and a {$26.00} XXXX settlement in XXXX for credit-reporting violations. 

I am filing this complaint because Synchrony Bank has failed to honor its legal obligations under the FCRA, FDCPA, and UDAAP standards, and continues to cause financial harm and inaccurate reporting on my credit file.

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 2025-10-15 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: ProCollect, Inc.
State: GA

Complaint narrative:
" Pro Collect is reporting an account on my credit report that I do not recognize. I contacted them and requested written verification that the account belongs to me, either by mail or email. They refused to provide any documentation or confirm the validity of the debt. This lack of response violates my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute inaccurate or unverified information. I am requesting that this account be investigated and removed if it can not be verified. ''

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 2025-10-15 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
What Happened I am a victim of identity theft. In XXXX, I lost my wallet, which contained my drivers license and Social Security card. Since then, multiple fraudulent accounts have appeared on my credit report that I did not authorize, apply for, or benefit from in any way. 

I discovered these unauthorized accounts between XXXX and XXXX while reviewing my Equifax credit report. The fraudulent accounts that were opened without my consent are listed below : XXXX. XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX / XXXX  Balance : {$7300.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX : {$12.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/XXXX XXXX. XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX / XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX After noticing these accounts, I took immediate action by filing a Police Report with my local law enforcement agency and submitting an FTC Identity Theft Report through XXXX. I then contacted Equifax, XXXX, and XXXX  to dispute these fraudulent accounts, providing documentation to support that I am a verified victim of identity theft. 

Despite these actions, the fraudulent accounts continue to appear on my Equifax credit report. I am requesting that Equifax permanently remove and block these accounts under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( blocking identity theft information ) and 611 ( reinvestigation ).

These accounts were opened without my knowledge, and I have never signed, applied, or agreed to any of them. The continued reporting of these items is causing harm to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
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 wil
lful 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 2025-10-15 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:
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 wil
lful 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX I requested a debt validation on Loan ID : XXXX. After I received an email that the loan has been sold to Resurgent Capital Services. I received incomplete information and sent a certified letter on XX/XX/year> requested the completed info which was before the XX/XX/XXXX deadline. I received confirmation that the letter was delivered on XX/XX/XXXX and signed for. On XX/XX/XXXX there was another attempt to collect this debt without provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes with documentation uploaded with things that I had not been sent about the things being disputed for example orginal contracts, dates of purchasing said debt itemized list of all the charges and how that number was determined and all I got back was an email notification saying that an Experian member updated or changed something on the dispute but when I log into the app I cant see any information about it whatsoever and than when I tried to speak to someone on the phone it took me over an hour I finally had to call the legal dept from the commercial phone number where they explained to me what exactly I had to say to get passed the automated system after trying that for about 15 more mins finally it sent me to Someone in which I explained the same thing I mentioned above and he just said that those are the results and I said that is not telling me anything that is not an acceptable answer I asked if I could speak with a supervisor he put me on hold for ten mins and said there is no one to talk to no supervisor I than asked him his name and for his employee id number he said his name was XXXX and he didnt have an employee id or badge number basically im getting denied access to view my dispute information as well as being lied to because everyone has some kind of employee badge or number he didnt even try to help me what a shame that customer service has gone so low maybe they should consider hiring me because I would never act that way on a phone with a customer they are not even doing proper disputes and if I need to get a lawyer to get treated with respect and get a fair dispute done correctly well than I guess I will because this is all deceptive and incompetent.

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