vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to file a complaint against Sync/PPC ( Synchrony Bank ) . I have a 1099-C issued for my account, indicating that the debt was discharged. However, Sync/PPC has refused to report this balance as {$0.00} on my credit report. 

I have spoken with several representatives at Sync/PPC XXXX XXXX XXXX and XXXX, and have been told that it will take up to 6 months to correct the reporting, which is an unreasonable delay. I have also been told to contact a tax advisor, but my concern is with the credit reporting, not the tax implications. 

Despite repeated requests, Sync/PPC has refused to take action to update my credit report to reflect the discharged debt as {$0.00}. This is negatively affecting my credit report and causing unnecessary delays in correcting my financial records. 

I spoke with XXXX, XXXX, and XXXX, and none could explain to me why they were unable to help. The calls were recorded by Sychrony bank, and took place at 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 explanation
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX, XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting I am writing to formally dispute the reporting of a late payment by XXXX XXXX XXXX, on my credit report. My account XXXX with XXXX XXXX remains active and, to my knowledge, in good standing. I have reviewed my credit report and discovered that XXXX XXXX has inaccurately reported a late payment, which I believe is incorrect and constitutes a violation of federal law. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681b, which ensures that consumer reporting agencies only furnish reports when a permissible purpose existssuch as written consent, credit review, or collection of a legitimate debt. I have not authorized nor consented to the release of this inaccurate information under these circumstances.

Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1666b ), a creditor can not treat a payment as latenor assess finance charges or report it as lateunless it has mailed or delivered the periodic billing statement at least 21 days before the payment due date under an open-end credit plan. If this condition was not met, the late payment reporting is not only inaccurate but also unlawful.

I am requesting that this inaccurate late payment entry be investigated and promptly removed from my credit report.

Please investigate this matter and provide written confirmation of the outcome within 30 days, as required by the FCRA. If the item is not verified, it must be deleted from my credit report.

Thank you for your attention to this 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 2025-07-16 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:
I reviewed my credit reports from TransUnion, Experian, and Equifax and identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These errors are harming my credit profile and do not reflect the true status of my credit history. 

Despite submitting disputes, I have not received proper validation or correction. The issues include : Charge-off accounts reported without proper documentation. 

Duplicate accounts with inconsistent statuses across bureaus. 

Late payments listed on accounts that are paid, settled, or in good standing. 

Repossession and collection accounts that I did not authorize or recognize. 

Accounts marked as " Dispute Resolved Consumer Disagrees '' without any supporting documentation. 

Unauthorized inquiries that were made without my knowledge or consent. 

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet the inaccuracies remain. These unresolved items are preventing me from accessing financial opportunities such as housing and auto financing. I request immediate reinvestigation and removal of any unverifiable or inaccurate 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 2025-07-16 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:
I reviewed my credit reports from TransUnion, Experian, and Equifax and identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These errors are harming my credit profile and do not reflect the true status of my credit history. 

Despite submitting disputes, I have not received proper validation or correction. The issues include : Charge-off accounts reported without proper documentation. 

Duplicate accounts with inconsistent statuses across bureaus. 

Late payments listed on accounts that are paid, settled, or in good standing. 

Repossession and collection accounts that I did not authorize or recognize. 

Accounts marked as " Dispute Resolved Consumer Disagrees '' without any supporting documentation. 

Unauthorized inquiries that were made without my knowledge or consent. 

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet the inaccuracies remain. These unresolved items are preventing me from accessing financial opportunities such as housing and auto financing. I request immediate reinvestigation and removal of any unverifiable or inaccurate 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Please assist me in launching an investigation into these accounts, as they are reflecting incorrect information on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Ive enclosed the relevant documents for your consideration. It is also important to note that the account data is inconsistent and inaccurate across the different credit bureaus.

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 2025-07-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and 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 2025-07-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX  XXXXe ) for deceptive and misleading reporting.

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 2025-07-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX  XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous request regarding the removal of unauthorized or unverified inquiry from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 and 604, I am requesting a reinvestigation and removal of the inquiries listed below, which I do not recall authorizing.

Despite my earlier dispute, this inquiry remain on my report without any documented proof of permissible purpose or my consent. As a consumer, I have the right to dispute any item I believe to be inaccurate, and the credit reporting agency must verify the accuracy or remove the information. 
XXXX XXXX XXXX XX/XX/scrub>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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: AR

Complaint narrative:
I am submitting this complaint against Debt Recovery Solutions , LLC and its client XXXX XXXX XXXX. regarding an alleged {$640.00} debt originally associated with XXXX XXXX 

On XX/XX/XXXX, I mailed a certified dispute letter to Debt Recovery Solutions under my rights afforded by the FDCPA ( 15 U.S.C. 1692g ). It was delivered on XX/XX/XXXX, per USPS tracking. 

However, on XX/XX/XXXX, I received a reply from the company dated XX/XX/XXXX nearly a full month before they received my dispute. This response was clearly backdated to misrepresent the timing of their communication and circumvent their legal obligations under the FDCPA. 

Their response included only generic documents : an old XXXX XXXX statement and a XXXX letter referencing a transfer to Bureaus Investment Group Portfolio No. 15, LLC, a prior variation of the current name XXXX XXXX XXXX. This debt had previously been disputed and removed from my credit report after failing verification years ago. 

As of today, the debt is not currently appearing on my credit reports, but I believe these actions are part of a coordinated attempt to revive and collect on a previously invalidated and extinguished tradeline. 

The company 's failure to timely and properly validate this debt paired with the deceptive date manipulation and use of an entity name variation reflects willful noncompliance with FDCPA and FCRA protections. I am concerned about future reinsertion into my credit file without notice, which would be a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

I request that the CFPB : Investigate Debt Recovery Solutions and XXXX XXXX XXXX. 

Prevent any future reporting of this account Take enforcement action over the use of deceptive response dates Compel compensation for harm and time lost due to these actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-17 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: NJ

Complaint narrative:
I am submitting this complaint because I am the victim of identity theft, and despite submitting XXXX prior disputes to the credit bureau, including an FTC Identity Theft Report, and a detailed written statement, the credit reporting agency has failed to delete the fraudulent and inaccurate information from my report as required by law. 

The FCRA ( XXXX ) clearly mandates that any data resulting from identity theft must be blocked within XXXX business days once proper documentation is received. I have submitted everything requiredincluding proof of identity, my FTC report, and specific identification of fraudulent accountsand yet the same inaccurate and damaging information remains. 

To date, they have verified items without providing any original documentationno signed contracts, applications, or method of verification as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). This is not only unacceptable but a willful violation of federal consumer protection law. 

Specifically, the following remain on my credit file despite repeated disputes : XXXX fraudulent accounts from XXXX  XXXX XXXX  An unauthorized account from XXXX  XXXX Multiple inaccurate addresses and names At least XXXX hard inquiries made during a time when a fraud alert was in place In addition to the FCRA violations, the accounts are inconsistent with XXXX XXXX formatting guidelines, displaying conflicting payment statuses and high balances across different bureaus. 

The continued presence of this false information is causing severe harm to my financial stability, creditworthiness, and peace of mind. I am urging the CFPB to intervene immediately and demand full deletion of the fraudulent and unverifiable entries, as required under FCRA 1681i ( 5 ). If the information can not be verified with original documentation, it must be removed. 

This is now my XXXX  formal dispute and my XXXX  escalation through the CFPB. I am requesting swift resolution and full compliance with federal law. A delay in response or continued inaction would demonstrate a pattern of willful noncompliance and disregard for 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 explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XX/XX/year> - sent email to support letting them know my account was restricted & requested they fix it. 

XX/XX/year> - They sent XXXXXXXX XXXX and asked that i let them know if it doesnt fix my issue. 

XXXX They asked me to reset my password & confirm the amount of the last transaction on the account to which I did. I reset my password but received error message when trying to login so I let them know. 

XXXX They said they tweaked my account and requested I try to login again. They informed me I would need to verify my phone number upon login to remove the restriction on my account. I tried this but I received the error message again and informed them I couldn't get passed the login. 

XXXX they sent me troubleshooting steps and asked that I send a screenshot of the error message I received. I informed them none of those steps worked and I can't screenshot within the app- its restricted. I asked if I could create a new account and get the {$140.00} on my account transferred. 

XXXX They requested I upload proof of identification so they could help me in which I sent them a photo of my ID and me holding my ID. 

XXXX They said they made an adjustment to my account and asked me to try logging in again. I told them I was still having issues logging in. 

XXXX They asked if I was getting the same error message when logging in on the app & desktop to which I informed them I was. 

XXXX They asked me to verify my identity again by uploading my ID. I told them I already did. 

XXXX They told me they pushed a code to my email address and asked me to login again. I told them I was still having issues. 

XXXX They said they made an adjustment to my account and I was still unable to login. They said they are sending to engineers to.fix. 

XXXX They said my account is restricted because my phone number was removed from the account and they were working on a solution but in the meantime they made an adjustment so I could log in on the web and transfer funds to my bank account. I was unable to login on the desktop site so I reached back out. 

XXXX They informed me my account was locked because I tried to login on an " unfamiliar '' device aka the desktop..

Company response to consumer: Closed with explanation