vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
I am submitting this follow-up regarding a dispute I filed about Experian, Equifax, and TransUnion because multiple items on my credit report remain inaccurate despite previous submissions and documentation. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows a {$0.00} balance but is reported with incorrect names, including XXXX and XXXX XXXX XXXX XXXX and inaccurate addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX These errors violate the FCRA 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), and I request a full reinvestigation, correction, or deletion of all unverifiable 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Sychrony Bank closed all my accounts that were mostly at XXXX, but they sent me a letter saying that because they had no information to tell me, and then the company told me that the credit bureau company decided to close it. I am a person with Itin number. were Tjmax XXXX 's Jcpenny 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 2025-12-09 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: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting XXXX % correct.

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 2025-12-09 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: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting XXXX % correct.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
i contacted transunion back on XX/XX/year>, about a bankruptcy reporting. i experienced identity theft and submitted my police report to transunion to delete the bankruptcy. i am not responsible for the bankruptcy.

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 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint regarding the Amazon Store Card issued by Synchrony Bank. 

I opened this account in XX/XX/year> because Amazons checkout promotion encouraged me to apply in order to receive a discount ( advertising inducement ). After the account was opened, I never received any billing statements not by email, not by app notifications, and I had no access to my account because their registration/login system repeatedly failed.

Even though my phone number and email are correctly linked to the account, no alerts were ever sent to notify me about payments due. Because of this issue, I had no knowledge that any payment was required. 

As soon as I became aware that there was a balance - notified by XXXX XXXX XXXX, not Synchrony Bank- I immediately contacted customer service and made payment ( on XXXX ). 

Despite this being caused by Synchrony Banks failure to deliver billing statements and provide account access, they reported my account as 30+ days past due, which harmed my credit.

They agreed to remove one late fee of ~ {$40.00}, but stated they can not remove the other late fees or interest because only one late fee per 12 months can be waived. This does not address the root issue : I could not pay a bill I never received. 

My total spending was only about {$250.00}, but my balance escalated to over {$450.00} due to interest and multiple late fees purely caused by lack of notification and lack of account access. 

This situation appears predatory, as if the system is designed to generate late fees by withholding billing information from new customers.

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 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I received notification of suspicious activity on my checking account overnight on the night of XX/XX/year>. There were numerous suspicious purchases and withdrawals. XXXX of those was a XXXX XXXX Payment for {$1000.00}. 

I contacted the bank the morning of XX/XX/XXXX, informing them that none of the charges in question were my own. In fact, my phone and wallet were both stolen sometime after XX/XX/year>, and large amounts of fraudulent transactions occurred both in my checking and ( other bank ) credit card accounts. 

I received a notification dated XX/XX/year>, that the XXXX transfer was determined to be properly processed and authorized. This is inaccurate. 

I am the victim of identity theft, and had my M & T account taken over by the thief who was able to use my XXXX to complete the fraudulent transactions, including the unauthorized XXXX transfer. 

The Banks refusal to protect me under XXXX XXXX is inconsistent with the documented pattern of fraud across several institutions, and I have made the police report filed with the XXXX XXXX police available to the bank. I have also filed a claim with the FTC Further, there are documented disputed transactions arising from these same circumstances with the following : A fraudulent XXXX account XXXX XXXX transaction ( disputed ) XXXX fraud XXXX breach Multiple password compromises In addition, I spent much of the day on XX/XX/XXXX with an XXXX of the Bank, setting up a new account and documenting the claims. Their letter dated XX/XX/XXXX evidences that they did not take into account any of the information I provided to the Bank on that day, as well as on several phone calls of the days prior to XX/XX/XXXX. 

I am in the middle of a documented identity and account takeover fraud case affecting multiple accounts and institutions. I did not authorize that XXXX transfer. I am requesting immediate escalation to your XXXX XXXX team because the account was accessed by unauthorized third parties due to takeover fraud. 

Please note that under XXXX XXXX, unauthorized electronic fund transfers must be investigated and provisionally credited within XXXX business days. This decision letter does not satisfy the investigation requirement given the documented takeover of my accounts.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, XXXX, OK XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint because Bank of America is refusing to remove a single late payment from my credit report, despite this being the first and only late payment I have ever had with them. The account is fully paid off and I have maintained a good payment history. 

This XXXX late payment is preventing me from qualifying for a conventional home loan. I explained the situation to Bank of America and requested a goodwill adjustment, but they declined. Given my overall positive history and the accounts paid-in-full status, I believe Bank of America should reasonably consider removing this isolated late payment as a goodwill measure. 

I am requesting that Bank of America review this matter again and work with me toward a resolution.

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 2025-12-09 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: NC

Complaint narrative:
The furnisher is inaccurately reporting a XXXX late payment on my account, even though they have no verifiable evidence to substantiate the delinquency. Under FCRA 1681e ( b ), a late payment can not be reported unless the furnisher possesses timestamped proof showing the date the payment was received and posted, along with evidence that any delay was my fault. They have provided none. 

I issued a formal dispute requesting documentary verification. Instead of performing a lawful investigation under FCRA 1681s-2 ( b ) and 1681i, the furnisher relied on an automated e-OSCAR response, which is not a reasonable investigation under CFPB standards. They failed to provide any of the required records such as an original payment ledger, posting log, or audit trail.

Furthermore, under FCBA 1666b, payments must be credited as of the date received. If the payment was received on time but posted late internally, the furnisher is prohibited from reporting it as a delinquency. Their reporting contradicts this requirement. 

Because the furnisher can not produce the legally required documentation, the late payment is unverifiable, inaccurate, and noncompliant with federal law, yet they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
The furnisher is inaccurately reporting a XXXX late payment on my account, even though they have no verifiable evidence to substantiate the delinquency. Under FCRA 1681e ( b ), a late payment can not be reported unless the furnisher possesses timestamped proof showing the date the payment was received and posted, along with evidence that any delay was my fault. They have provided none. 

I issued a formal dispute requesting documentary verification. Instead of performing a lawful investigation under FCRA 1681s-2 ( b ) and 1681i, the furnisher relied on an automated e-OSCAR response, which is not a reasonable investigation under CFPB standards. They failed to provide any of the required records such as an original payment ledger, posting log, or audit trail.

Furthermore, under FCBA 1666b, payments must be credited as of the date received. If the payment was received on time but posted late internally, the furnisher is prohibited from reporting it as a delinquency. Their reporting contradicts this requirement. 

Because the furnisher can not produce the legally required documentation, the late payment is unverifiable, inaccurate, and noncompliant with federal law, yet they continue to report it.

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 2025-12-09 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. 
Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
So apparently trying keeps you in advance at the same time that my check gets deposited into my account unknowingly I spend the money that I have from my check but at the same time it spends the money that I received from time it's happened XXXX times so far I have called several times I get hung up on or they tell me that they'll get somebody to help me and never do they tell me they give me the advance I have to call in and tell him I don't want it and then they take it back but I have to set up my direct deposit for me to get in advance and I don't have direct deposit on that account so when I get a good amount of money that I moved from XXXX account to this account they give me the advance I don't know that they do that nor do I accept it or anything like that but then they end up just taking money out of my account every time I move money around. And I have called and I have said I didn't want this feature I don't know why you guys keep doing it and they just tell me well we give you an advance if you don't want it just call us and we'll take it back but I never accept it I never asked for it and they just keep doing it and they just keep taking money out my account and they say it that they are allowed to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management ( Acct. No. XXXX ) is engaging in continued unlawful communication by reporting and updating information on my XXXX  credit profile after being instructed to cease contact, constituting an indirect communication in violation of 15 U.S.C. 1692c. Furthermore, Midland has failed to provide full and proper debt validation as required under 15 U.S.C. 1692g, despite my formal request. Their continued reporting of this account without validation is noncompliance with federal law and represents a willful attempt to misrepresent the status and legitimacy of the alleged debt. I am demanding immediate removal of this unvalidated and unlawfully communicated account. This ongoing noncompliance is being documented for potential complaints to the CFPB, my State Attorney General, and possible civil action for statutory damages. This fraudulent account is reporting to my XXXX  credit report, which is still in communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NM

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 cr
edit 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