vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing the reporting of late payment tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentcontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Removal of Unauthorized Hard Inquiry SYNCB/Amazon XXXX  Dear Sir I, XXXX XXXX XXXX XXXX XXXX am writing to formally request the immediate removal of an unauthorized hard inquiry that appears on my credit report under the name SYNCB/Amazon XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), no credit bureau may report credit inquiries unless they are authorized by me. I did not provide written or verbal authorization for this inquiry to be made. 

Creditor making the inquiry : SYNCB/Amazon XXXX Date of hard inquiry : XX/XX/XXXX Account number ( if any ) : N/A I request that you investigate this matter and remove the hard inquiry immediately from my credit history. If you are unable to do so, please provide me with a copy of the signed authorization that SYNCB/Amazon XXXX supposedly has on file, as required by the FCRA. 

Thank you for your prompt attention to this matter. I expect a written response within the 30-day time frame allowed by law. 

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 2025-09-16 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file. 

Since I never provided authorization for this company to access my credit, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I granted permission, you are required by law to delete this inquiry

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX renewed annual subscription on XX/XX/year> ... service has not worked since. Numerous reports on XXXX and XXXX confirm the site no longer works. XXXX just announced they will be shutting down at the end of the year. XXXXXXXX XXXX  response was my IP address, showing we attempted to use the service at some point, but did not provide dates ( note that it did work for the year prior to the renewal so... yea ). XXXX  does not respond to support requests.

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 2025-09-16 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$27000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and SSN Card.

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 2025-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding deceptive and misleading financing practices by XXXX XXXX XXXX XXXX XXXX in connection with my credit account. 

On XX/XX/XXXX, I financed a purchase at XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$4600.00} under an XXXX deferred interest promotional plan. That balance is currently reflected correctly under a promotional plan set to expire XX/XX/XXXX. 

On XX/XX/XXXX, I made a second purchase at XXXX XXXX XXXX XXXX XXXX in the amount of {$670.00}. At the time of sale, the store associate specifically told me this purchase would also qualify for a promotional deferred interest plan. Based on that assurance, I agreed to the purchase. 

For over XXXX months, no interest was charged on this XXXX XXXX balance, which reinforced my understanding that it was covered by promotional financing. However, on XX/XX/XXXX, I was unexpectedly charged {$81.00} in interest. When I contacted Kay Jewelers, I was told that store employees often lie just to make the sale and that there was nothing they could do to correct the account. XXXX XXXX  also refused to honor the promotional terms that were represented to me at the time of purchase. 

Additionally, I was told by XXXX XXXX  that the only way to make a payment toward a specific promotional plan is to call customer service and request it. I was never informed of this at the time of opening the account or during subsequent purchases, and there is no option online to allocate payments to a specific plan. This lack of transparency makes it impossible for customers to manage promotional balances effectively and avoid hidden interest charges. 

I consider this to be : Deceptive sales practice by XXXX XXXX who promised promotional financing to secure the sale but failed to deliver. 
Unfair billing practice by XXXX XXXX, who allowed the purchase to appear as if it were on promotional terms for months before retroactively charging deferred interest. 
Failure to disclose critical payment terms, which prevented me from protecting myself from interest charges. 

I have made consistent monthly payments ( approximately {$160.00} per month ) and have acted in good faith based on the information provided at the time of purchase. The misrepresentation and lack of disclosure have caused financial harm and violate fair lending and disclosure standards. 

Thank you for your attention to this matter. I request that the CFPB review this case and require XXXXXXXX XXXX XXXX to correct their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. 
As you are aware, Equifax experienced a significant data breach in 2017, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes. 
I have already submitted disputes regarding these inaccuracies, yet they remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes in a timely manner and correct any inaccuracies. The continued reporting of incorrect information, in light of the data breach, raises concerns about the accuracy and integrity of my credit report. 
I respectfully request that you : Immediately investigate these disputed items. Please conduct a thorough investigation of the accuracy of the information and correct any inaccuracies within the statutory 30-day period.

Provide an update or resolution. Notify me of your findings and the actions taken to correct the inaccuracies. 
Remove any unverifiable or incorrect information. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report entirely. 
Additionally, please send me a written confirmation once the necessary corrections have been made, including an updated copy of my credit report reflecting the changes. 
I trust that you will act swiftly and in compliance with all applicable laws and regulations to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IN

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-16 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting my full consumer disclosure report and to freeze my consumer file within your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Aldous & Associates, PLLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth XXXX XXXX XXXX XXXX: To: ALDOUS AND ASSOCIATES\nXXXX XXXX XXXX XXXX XXXXSubject: Request for Debt Validation under 15 U.S.C.  1692g(b)\nDear ALDOUS AND ASSOCIATES\nI am writing in response to a [letter/phone call] received from your office\nregarding an alleged debt you claim I owe. This letter is being sent pursuant to\nmy rights under the Fair Debt Collection Practices Act (FDCPA), specifically 15\nU.S.C.  1692g.\nAccount # XXXXPlease note that I am not acknowledging or accepting any liability for this debt. I\nam requesting that you provide the following documentation to validate the debt\nyou claim:\n1. 2. 3. 4. 5. The name and address of the original creditor\nA full itemization of the alleged debt, including interest, fees,\npayments, and principal balance\nA copy of the original signed contract or promissory note bearing my\nsignature\nProof that you are legally authorized to collect this debt in my state\nProof of the chain of assignment or ownership if the debt was\npurchased or transferred\nyou must cease all collection activity,\nUntil you provide all of the above, including reporting to credit bureaus. Reporting unverified debt violates the Fair\nCredit Reporting Act (15 U.S.C.  1681s-2).\nBe advised: failure to properly validate this debt or continued reporting/collection\nactivity may result in legal action and a formal complaint filed with the Consumer\nFinancial Protection Bureau (CFPB), the FTC, and my state attorney general.\nPlease respond within 30 days of receipt of this letter.\nSincerely,\nDestin Jackson'

Company response to consumer: Closed with explanation