vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: Synovus Bank
State: AL

Complaint narrative:
To whom it may concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the NEW RULE REGULATION F which took effect XXXX XXXX ( SYNOVUS/XXXX ). 
You have violated the FDCPA 1006.30a and is new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting this alleged debt immediately or I will escalate this matter to taking legal action.

I have not given you permission to put anything on my credit profile 15USC 1681b2.

You have no permissible purpose by law report this alleged debt on my consumer report. 
I ask that you ( SYNOVUS/XXXX XXXX delete this off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: WA

Complaint narrative:
I am formally contesting the continued reporting of inaccurate, unverifiable, and non-compliant information on my credit report. Your reporting practices violate my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting guidelines, and my consumer rights.

The inaccurate reporting of derogatory accounts, personal information, and inquiries reflects your willful non-compliance with : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i Failure to properly reinvestigate disputes Metro 2 Reporting Standards Data field formatting errors ( CRRG 2020 Guidelines ) 15 U.S.C. 1681b Lack of permissible purpose for inquiries I demand that you conduct an individualized investigation as required by law. The practice of issuing template form letters is a blatant violation of 15 U.S.C. 1681i. Failure to address the specific facts presented constitutes continued willful non-compliance and subjects you to legal liability. 

You are required to validate, with physical documentation, all reported items below. Absence of proper evidence will result in IMMEDIATE DELETION. Continuing to report unverifiable data creates financial harm and constitutes reckless disregard for your legal obligations. 

The following items are being challenged : Personal Information Being Disputed : Incorrect Current Address : 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 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  As a data furnisher and reporting agency, you are fully responsible for ensuring the accuracy, completeness, and verifiability of all information reported. Your failure to maintain compliance is actionable.

You are hereby instructed to : Complete a full reinvestigation of the items listed.

Provide physical documentation to substantiate all reported data.

DELETE any item that can not be fully verified under federal law.

Mail me an updated report with your findings.

You are on notice that willful non-compliance with the FCRA exposes you to legal damages under 15 U.S.C. 1681n and 1681o.

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 2025-06-18 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: WA

Complaint narrative:
I am formally contesting the continued reporting of inaccurate, unverifiable, and non-compliant information on my credit report. Your reporting practices violate my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting guidelines, and my consumer rights.

The inaccurate reporting of derogatory accounts, personal information, and inquiries reflects your willful non-compliance with : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i Failure to properly reinvestigate disputes Metro 2 Reporting Standards Data field formatting errors ( CRRG 2020 Guidelines ) 15 U.S.C. 1681b Lack of permissible purpose for inquiries I demand that you conduct an individualized investigation as required by law. The practice of issuing template form letters is a blatant violation of 15 U.S.C. 1681i. Failure to address the specific facts presented constitutes continued willful non-compliance and subjects you to legal liability. 

You are required to validate, with physical documentation, all reported items below. Absence of proper evidence will result in IMMEDIATE DELETION. Continuing to report unverifiable data creates financial harm and constitutes reckless disregard for your legal obligations. 

The following items are being challenged : Personal Information Being Disputed : Incorrect Current Address 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 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 As a data furnisher and reporting agency, you are fully responsible for ensuring the accuracy, completeness, and verifiability of all information reported. Your failure to maintain compliance is actionable. 

You are hereby instructed to : Complete a full reinvestigation of the items listed. 

Provide physical documentation to substantiate all reported data.

DELETE any item that can not be fully verified under federal law.

Mail me an updated report with your findings.

You are on notice that willful non-compliance with the FCRA exposes you to legal damages under 15 U.S.C. 1681n and 1681o.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a ticket for a XXXX concert via XXXX using PayPal. The total amount was {$250.00}. The ticket was for the XXXX XXXX  show on XX/XX/year>. However, when I arrived at the venue, I discovered the ticket was for the later XXXX XXXX  performance, not the time I selected or intended to purchase. As a result, I was denied entry and received no service. 

I contacted XXXX immediately after discovering the issue but received no satisfactory response. I then opened a dispute with PayPal on XX/XX/year>, submitting all relevant documentation ; the ticket, receipts, event details, and correspondence. XXXX failed to engage meaningfully or provide a resolution. 

PayPal denied the claim, stating there was no evidence the item was misrepresented. I then reopened the case under the correct dispute category ( item not received ) and added further documentation, but PayPal rejected it again - this time citing that the claim was filed more than XXXX  days after purchase. This rationale is flawed : the issue was not discoverable until the day of the event itself. 

PayPals handling of this case has been unfair. XXXX did not provide the service I paid for. I am now out {$250.00} for a ticket that was unusable. PayPal claims to offer buyer protection, but in this case sided with a seller who failed to deliver and ignored clear evidence. 

I am requesting that this case be reviewed properly and that I receive a full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: CA

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 explanation
Consumer complaint received 2025-06-18 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: InvestiNet LLC
State: MO

Complaint narrative:
I got a text with a picture of a bill and its not my bill. Not my address or name on it. So there sending out people 's personal financial statements and not getting verification of who there sending it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
My account with XXXX  XXXX XXXX ( last 4 digits : XXXX ) was charged off in XX/XX/year>. However, TransUnion has continued reporting missed payments for this account for several months after the charge-off, which is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Once an account is charged off, no further payments should be reported as missed. This mistake has harmed my credit score and caused ongoing financial difficulties. 

I request TransUnion to : Remove all late payment history after XX/XX/year>, Correct the account reporting to reflect proper status, Recalculate my credit score, Provide a confirmation of the corrections.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: VT

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my closed checking account ending in XXXX, and the difficulties I have encountered in obtaining written confirmation that the account has been paid in full. 

In XX/XX/XXXX, I entered into a payment arrangement with Regions after the account was closed. I consistently made monthly payments between {$31.00} and {$33.00} on the XXXX of each month, per the agreement. On XX/XX/XXXX, at XXXX XXXX  ( XXXX ), I made the final payment of {$26.00} from my XXXX XXXX XXXX XXXX account XXXX The confirmation number for this transaction is XXXX. I was informed that the account would reflect a paid in full status within XXXX business days ( by XX/XX/XXXX ). 

Since XX/XX/XXXX, I have made multiple attempts to obtain written confirmation of this status to provide to my mortgage lender through the XXXX  XXXX XXXX. However, I continue to be told that I owe a balance of {$110.00}, despite providing proof of payment. I have been given incorrect email addresses, hung up on twice, and refused assistance by a representative on XX/XX/XXXX, who declined to transfer me to a XXXX. 

I was later told my account is now handled by the XXXX XXXX. Despite this, my documentation has still not been accepted properly. I was informed XXXX week after sending proof of payment that the representative used the wrong code, and then was told no code was necessary. 

This situation has caused significant stress and is now impacting my ability to proceed with my mortgage application. I am requesting : XXXX. A written confirmation letter stating my account ending in XXXX has been paid in full as of XX/XX/XXXX. 
XXXX. A formal review of how this situation has been handled. 
XXXX. Contact information for the appropriate department to resolve this matter if not through this channel.

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 2025-06-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXXXXXX 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 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