vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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:
v\Subject : Request for Description of Investigation Process Disputed Accounts on my Credit Report ( Equifax ) To whom it may concern, After Equifax completes its investigation which is written in this complaint, please, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I have identified five accounts that are reporting inaccurate late payments. These accounts were, in fact, paid on time. It is required by law that credit bureaus report information with the highest level of accuracy. The following accounts are incorrectly listed with delinquencies and must be corrected immediately : The disputed accounts are : XXXX XXXX Incorrectly reported 30, 60, and 90-day late payments despite timely payments. 

XXXX XXXX XXXX account shows a 30-day late payment which never occurred. 

XXXX XXXX Inaccurately reflects 30, 60, and 90-day late statuses, contrary to my records. 

XXXX XXXX ( Second Account ) Reported as 30 days late without basis. 

XXXX XXXX  Marked as 30 days late ; this is inaccurate per payment history. 

These inaccuracies are not only misleading but are also harmful to my credit and are in direct violation of federal consumer protection laws. 

Legal Violations Identified : FCRA 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of any disputed item.

FCRA 1681i ( a ) ( 7 ) : Entitles consumers to a description of the reinvestigation procedure used.

FCRA 1681s-2 ( b ) : Furnishers of data are required to correct inaccurate information.

FCRA 1681a ( 2 ) ( A ) ( i ) : Prevents the reporting of unverifiable experiential data.

TILA 1666b : Requires statements to be mailed at least 21 days prior to the due date.

TILA 1637 ( b ) : Requires detailed billing disclosures.

Final Note : I have complied with all payment obligations under each agreement. The reported delinquencies are false and are causing unjust harm to my creditworthiness. If you are unable to provide sufficient evidence, you are obligated under the FCRA to correct or delete the erroneous data. 

I expect resolution and a full written response within 30 days from the date of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A check that was from covid ca rent relief check was deposited into a brand new checking account. I asked if it was ok to deposit said check into an account she said it would be fine, well it was red flagged and have been refusing to issue the funds.they said they need to verify my identification. I have went to XXXX to issue a driver 's license to verify my identity and now I have to have a phone number linked to my name. It's been close to three years and still no resolution.i would like to get a an idea on where to start from this point foward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
This account contains inaccurate information. I do not recognize this account, and it should be removed. I previously disputed it, but the reporting company failed to provide proper verification or documentation. This violates my rights under the FCRA ( Fair Credit Reporting Act ). I am requesting the removal of this inaccurate item from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-02 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: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for inaccurately reporting late payments on my credit report. I never received a loan, line of credit, or a credit card from this company. The nature of my arrangement with XXXX was that I made small payments to them voluntarily so they could report positive payment history to the credit bureaus and help build my credit. 

The agreement explicitly stated that once I reached a total of {$2500.00}, the funds would be returned to me. At no point did I receive money, credit, or lending services from XXXX. Despite this, they reported the account as a " charge card '' and marked it with XXXX, XXXX, and XXXXday late payments, damaging my credit unjustly. 

This is misleading and inaccurate. XXXX acted as a credit-builder service not a lender. Reporting this as a delinquent loan or credit card account is not only false but deceptive. I request that CFPB investigate this company and that all negative reporting related to this account be removed from my credit file. 

Account info : Account Number : XXXX Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$0.00} Highest Balance : {$240.00} Reported as : Charge Card Status : Paid and Closed XXXX late payments falsely reported : XXXX, XXXX, XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for inaccurately reporting late payments on my credit report. I never received a loan, line of credit, or a credit card from this company. The nature of my arrangement with XXXX was that I made small payments to them voluntarily so they could report positive payment history to the credit bureaus and help build my credit. 

The agreement explicitly stated that once I reached a total of {$2500.00}, the funds would be returned to me. At no point did I receive money, credit, or lending services from XXXX. Despite this, they reported the account as a " charge card '' and marked it with XXXX, XXXX, and XXXXday late payments, damaging my credit unjustly. 

This is misleading and inaccurate. XXXX acted as a credit-builder service not a lender. Reporting this as a delinquent loan or credit card account is not only false but deceptive. I request that CFPB investigate this company and that all negative reporting related to this account be removed from my credit file. 

Account info : Account Number : XXXX Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$0.00} Highest Balance : {$240.00} Reported as : Charge Card Status : Paid and Closed XXXX late payments falsely reported : XXXX, XXXX, XXXX days

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I asked my mechanic to find me a piece of equipment to buy. He sent me various ads for machines that were being sold. I decided to go with one being sold in Wisconsin. The website looked legit and so did the ad. In the photo, the name of the business was on the building. I called them and communicated that I would like to purchase the machine. They sent me a XXXX, which was a promise to pay. I signed the agreement. They sent me an invoice. That invoice showed that their account was at Chase Bank. Same as my bank. So I went to my local branch and told them I needed their help vetting this company to make sure it was real. I stated that I was worried about being scammed because I was not Internet savvy. I told them that that the other party had an account with them. I showed them the ad, the website, the XXXX, and the invoice. They looked at the account and said everything looked good. They said heres how were going to do it. We are going to withdraw {$9900.00} from your account and make a cashiers check, then deposit it into the account. I replied OK youre the experts. After making payment, I received a confirmation number and a tracking number. The machine was to arrive on XX/XX/XXXX. On that day, they called and said shipping is running behind and it would be delivered the following Friday. On that day, it never arrived and I started calling the phone number and emailing, I received no response. At that point, I went to the website and found that it had said the account was suspended. From there, I went to my bank and reported fraud. The tell her at the branch was very confrontational, and stated that it was my decision to withdraw the money, create the cashiers check and deposit into the account. I told her that is untrue and that I was on my bank to be experts in the matter. She told me that theyre not in the business of verifying people or even account accounts. She pretty much told me theres nothing I could do. She said what were we supposed to do? I told her I dont know maybe advise me to make a payment in a way that is more secure so I have recourse to get my money back if it is not a legitimate deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AZ

Complaint narrative:
I have two fraudulent accounts in my credit report that I know nothing about. Please remove them from my history as it is impacting my potential to increase my credit score and buy a house

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 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I opened a Lowes credit card through Synchrony Bank and used a promotional financing offer that stated No Interest if Paid in Full by XX/XX/year>. I made regular payments toward the promotional balance and believed I was on track to pay it off before the deadline. 

However, I later discovered that I had a remaining balance ( under {$3500.00} ) left unpaid at the end of the promotional period. As a result, Synchrony applied deferred interest charges exceeding {$3000.00}, retroactively from the original purchase date. 

When I noticed this charge on my statement in XXXX, I immediately called Synchrony and offered to pay the remaining balance in full. I also requested a one-time courtesy reversal of the deferred interest, explaining that I had paid consistently, was unaware of the small shortfall, and had no intention of missing the payoff. 

Despite this, Synchrony declined my request and said they could not reverse the charges. I feel the amount of interest charged is disproportionate to the shortfall and that the terms were not clearly explained especially that one small oversight would trigger interest for the entire promotional period.

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 2025-08-02 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have purchased debt cancellation insurance on my sanity XXXX account. I didnt realize that I had it until months later.. I submitted all the documents except for the letter from my previous job stating that I was terminated. The company refused to give me a letter. I showed them that I had unemployment for XXXX weeks.. They are currently telling me that if I dont get a letter, they will not be moving forth with my claim.. I provided all the documents from unemployment on the documents. Its state the last day of work. synchrony bank still refuses to find an alternative way to resolve this issue. 
I am not sure what else to do. The company has not been helpful at all.. I also asked for someone to contact me back and they did not. 
I have no way to receive a letter, but I stopped working for the company as of XX/XX/year>

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 2025-08-02 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
I put in a dispute for a charge with Discover Bank for a service I never received from XXXX on XX/XX/year>. Under XXXX own Terms & Conditions, which I never agreed to, everything being done includes creating an XXXX account, completing XXXX integration, choosing a Sellvia store, selecting products, and creating a XXXX. None of these were completed in my case, and even after multiple attempts to get XXXX integration done. I provided Discover with proof of this and evidence that the merchants evidence is false. Despite this, Discover has repeatedly sided with the merchant and reinstated the charge, citing new evidence that does not prove fulfillment. I called Discover again on XX/XX/year> at XXXX and was told they can not override the decision or help me further. This violates the Fair Credit Billing Acts requirement for a fair investigation. XXXX also verbally promised me specific services and results that were the basis for my purchase decision. These promises were materially different from their written Terms & Conditions, constituting clear misrepresentation and deceptive business practices. They clearly falsified the claim that I agreed to their Terms and Conditions, presenting it as evidence for Discovers review, which influenced their decision to side with the merchant. I have reported Sellvia to the Federal Trade Commission for fraud ( FTC Report Number : XXXX ). I am requesting that Discover re-open my dispute and conduct a full and fair investigation into XXXX misrepresentation and failure to provide contracted services. I am also requesting immediate reversal of this charge and a proper review of the evidence in compliance with the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AR

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2025-08-02 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: AR

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have no knowledge of this account. I reached out multiple times no response.

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