vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: SC

Complaint narrative:
Date : XX/XX/XXXX Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX SC, XXXX Your XXXX Report Number : XXXX DISCOVER CARD XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Inaccurate Information on My Credit Report - Account Number : XXXX To Whom It May Concern : I am writing to dispute information on my XXXX credit report ( Report Number : XXXX, generated on XX/XX/XXXX ). The following account is reporting inaccurate payment history information : Account Name : DISCOVER CARD Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Disputed Information : The payment history shows XXXX, XXXX, and XXXX  days past due for XXXX, XXXX, and XX/XX/XXXX, respectively. This information is inaccurate and negatively impacts my credit report. 
I request that you investigate this matter thoroughly and remove the inaccurate past due remarks from my credit report. I have attached a copy of my credit report with the disputed item highlighted.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Accuracy of Report ), you are required to conduct a reasonable reinvestigation of this disputed information. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), you must correct or delete any inaccurate, incomplete, or unverifiable information found during your investigation. Please provide me with the results of your investigation and an updated copy of my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint due to the continuous and unlawful reporting of accounts that were included in and discharged through my XXXX  XXXX bankruptcy. Despite this legal discharge, the following creditors and credit reporting agencies continue to display inaccurate, misleading, and harmful information on my credit profile, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ), 611 ( a ), and XXXX XXXX compliance standards. 

* The accounts in question are as follows : 1. 
Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
2. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
3. 
Creditor : XXXX  Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
4. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
5. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : [ Date Incomplete ] Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 

Under the FCRA, creditors and credit bureaus are legally required to ensure that all information they furnish is accurate and complete. The continued reporting of derogatory remarks or failure to reflect accurate post-bankruptcy status represents a blatant violation of federal law and causes unnecessary harm to my creditworthiness. 

I demand that these accounts be immediately updated to reflect : 1. Status as 'Included in Bankruptcy ' or 'Discharged in Bankruptcy ' 2. Removal of all derogatory payment history 3. A balance of {$0.00} I request the CFPB 's urgent intervention and investigation to ensure compliance with federal credit reporting laws. Failure to correct these inaccuracies may result in legal action for willful noncompliance under 15 U.S.C. 1681n.

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint due to the continuous and unlawful reporting of accounts that were included in and discharged through my XXXX  XXXX bankruptcy. Despite this legal discharge, the following creditors and credit reporting agencies continue to display inaccurate, misleading, and harmful information on my credit profile, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ), 611 ( a ), and XXXX XXXX compliance standards. 

* The accounts in question are as follows : 1. 
Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
2. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
3. 
Creditor : XXXX  Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
4. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
5. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : [ Date Incomplete ] Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 

Under the FCRA, creditors and credit bureaus are legally required to ensure that all information they furnish is accurate and complete. The continued reporting of derogatory remarks or failure to reflect accurate post-bankruptcy status represents a blatant violation of federal law and causes unnecessary harm to my creditworthiness. 

I demand that these accounts be immediately updated to reflect : 1. Status as 'Included in Bankruptcy ' or 'Discharged in Bankruptcy ' 2. Removal of all derogatory payment history 3. A balance of {$0.00} I request the CFPB 's urgent intervention and investigation to ensure compliance with federal credit reporting laws. Failure to correct these inaccuracies may result in legal action for willful noncompliance under 15 U.S.C. 1681n.

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
XXXXI noticed these accounts/inquires below kept reporting my credit reports. Theses are inaccurate In accordance with the Fair Credit Reporting acts. Many Hard Inquires have been reported & have been misused fraudulently by auto dealers on all XXXX  credit reports.  The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEvery hard inquiry that is fraud & wasn't authorized by me.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXTransUnionXXXX XXXX XXXX XXXXtTransUnion\XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion\XXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion\XXXX XXXX XXXX XXXX XXXXTransUnionXXXX XXXXTransUnion\XXXX XXXX XXXX XXXXTransUnion"

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 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Urgent Complaint Against PayPal/SYNCB for False Charge of {$840.00} and Misleading Credit Reporting Dear Consumer Financial Protection Bureau , I am filing this complaint against PayPal and its associated issuer SYNCB  ( Synchrony Bank ) for falsely charging {$840.00} to my PayPal credit account, which I did not authorize, recognize, or receive any service or product for. This fraudulent or erroneous charge has now also been reported to the credit bureaus, negatively impacting my credit score, as reflected in an alert I received from XXXX XXXX on XX/XX/year>. 

Here is a summary of the issue : Date range of issue : XX/XX/year> XX/XX/year> Charge in question : {$840.00} ( shows as a Balance Transfer on XX/XX/year> ) My action : I have spoken with PayPal Customer Service multiple times and explained clearly that I do not recognize this charge, do not know who initiated it, did not authorize any transaction, and have not received any product or service corresponding to this amount. 

Initial refund : On XX/XX/year>, PayPal issued a refund check for {$620.00}, which they had already taken from my bank account without my knowledge. 

New problem : Despite the refund, a new charge for {$840.00} has now appeared again, with no explanation or valid documentation. It is highly suspicious and looks like a reversal or reapplication of the same false charge. 

No clear statement : The PayPal statement is deliberately confusing and lacks full transparencyno account numbers, no clear merchant details, and no reference to any legitimate transaction. 

This charge has been reported to the credit bureaus by SYNCB/PAYPAL and is affecting my credit utilization and credit score. I feel this is unfair, deceptive, and harmful, especially considering I have repeatedly disputed the charge and requested a full explanation, which PayPal has failed to provide. 
Requested Resolution : Immediate investigation into PayPal and SYNCBs practices Removal of the false {$840.00} charge from my account Correction and removal of any inaccurate credit bureau reporting caused by this error Written confirmation that this matter is resolved and that no further false charges will appear I am including supporting evidence such as the PayPal statement and the XXXX XXXX alert. Please help ensure that PayPal and SYNCB are held accountable for this ongoing and unjustified issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number XXXX inconsistent information reported among all credit bureaus as follows : Date opened XX/XX/scrub>/2022 vs XXXX/XXXX/2022 Account Type Details High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number XXXX inconsistent information reported among all credit bureaus as follows : Date opened XX/XX/scrub>/2022 vs XXXX/XXXX/2022 Account Type Details High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
My identity was used to get a loan and it is adversely being reported on my credit. I have filed a police report for identity theft and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
Im asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: OK

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-26 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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