vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX has been reporting false and damaging information on our mortgage account. In the beginning of XX/XX/year>, we requested forbearance multiple times via phone calls with XXXX XXXX, while in the process of selling our home. They delayed sending us the forms for over a month after our request. When we finally received the forbearing application forms, we submitted all required documentation by email, fax, and postal mail. XXXXXXXX XXXX never acknowledged or processed our request despite repeated follow-ups. 

As a result of their inaction, they reported 30- and 60-day delinquencies in XXXX and XX/XX/year>, even though we acted responsibly and sold the property to satisfy the loan in full. The mortgage was paid off on XX/XX/year>, as documented in the Sellers Final Settlement Statement and in the payoff confirmation downloaded from XXXX XXXX own online account portal. 

To correct this, we submitted disputes to all three major credit bureaus- XXXX XXXX and TransUnion- and uploaded the documentation proving the mortgage was paid in full. However, each bureau simply accepted XXXX XXXX incorrect response, which falsely claimed we remain delinquent and still owe over {$350000.00}, despite the closing documents showing the loan was satisfied in full. As a result, the false late payments and false outstanding balance remain on all three credit reports. 

Our credit scores have collapsed from the XXXX into the low XXXX because of this uncorrected misinformation, and we are now entering our eighth week without stable housing. This is a direct consequence of XXXXXXXX XXXX failure to update or verify accurate information as required under the Fair Credit Reporting Act. 

We request immediate investigation and correction of all credit bureau data to reflect the account as Paid in Full - {$0.00} balance - Never Late, and removal of all delinquency notations.

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 2025-11-25 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Request to Remove and Block Inaccurate Personal Information To Whom It May Concern, I am submitting this formal written request under the Fair Credit Reporting Act ( FCRA ) to dispute and request the * * removal and blocking * * of personal information that is inaccurate, outdated, or unauthorized from my credit file maintained by your bureau. 
I have identified several items in my personal information section that do not belong to me, and I am concerned that these inaccuracies may affect my credit standing and potentially indicate mixed or mistaken file information.

In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that these items be * * removed and blocked from reappearing * * on my report unless you receive verified documentation directly from the original data furnisher confirming their accuracy. 
Correct and Verified Personal Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, FL XXXX I have enclosed copies of my driver 's license and a current utility bill as proof of my identity and residence. 
Please Remove and Block the Following Incorrect or Unauthorized Items : Incorrect Addresses : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXhese entries are not associated with my identity and should be permanently deleted from my records. 
In the interest of maintaining accurate reporting, I request a thorough investigation to verify all personal data on file. 
If these items can not be verified within the legally mandated timeframe of 30 days, they must be deleted and blocked from any future reinsertion. 
Please confirm in writing once your investigation is complete and provide me with an updated copy of my credit file showing the corrected information. 
Thank you for your attention and assistance in ensuring my credit profile reflects only accurate and verifiable information. 
Sincerely, 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 2025-11-25 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: PA

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 U.S.C. 1681 Account Name ... XXXX XXXX XXXX .. Account # XXXX Account Name... XXXX XXXX XXXXXXXX XXXX XXXX Account Name .. XXXX XXXX  .. Account # XXXX. 
Account Name.... XXXX XXXX ... # XXXX Account Name.... XXXX & XXXX XXXX XXXX XXXX Account Name...XXXX XXXX.. # XXXX Account Name..... XXXX XXXX ...... # XXXX Account Name..... XXXX XXXX....... # XXXX Account Name..... XXXX XXXX ...... # XXXX Account name....... XXXX card XXXX # XXXX Account Name.... XXXX XXXX XXXX  # XXXX Account Name..... XXXX XXXX XXXX # XXXX Account Name XXXX XXXX... # XXXX Account Name XXXX XXXX XXXXXXXX XXXX ... # XXXX Account Name..... XXXX XXXX # XXXX 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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has Reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

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 U.S.C. 1681 Account Name ... XXXX XXXX XXXX .. Account # XXXX Account Name... XXXX XXXX XXXXXXXX XXXX XXXX Account Name .. XXXX XXXX  .. Account # XXXX. 
Account Name.... XXXX XXXX ... # XXXX Account Name.... XXXX & XXXX XXXX XXXX XXXX Account Name...XXXX XXXX.. # XXXX Account Name..... XXXX XXXX ...... # XXXX Account Name..... XXXX XXXX....... # XXXX Account Name..... XXXX XXXX ...... # XXXX Account name....... XXXX card XXXX # XXXX Account Name.... XXXX XXXX XXXX  # XXXX Account Name..... XXXX XXXX XXXX # XXXX Account Name XXXX XXXX... # XXXX Account Name XXXX XXXX XXXXXXXX XXXX ... # XXXX Account Name..... XXXX XXXX # XXXX 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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has Reasonable cause to believe that the information is inaccurate

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Issue Type : Money transfer, virtual currency, or money service Fraud or unauthorized transaction Dispute handling Complaint Summary : On XX/XX/year>, an unauthorized transaction occurred through my PayPal account involving Walmart. I reported the transaction to PayPal the same day. 

Walmart has confirmed on the transaction date that my information is not attached to an account they are able to locate. This search was done using my name, email, phone and address. It was confirmed that the account used for this purchase does not belong to me. My bank also confirmed fraudulent activity, froze my checking account due to compromise, and required me to open a new account. 

Despite both independent parties validating this as fraud, PayPal is the only entity refusing to acknowledge the unauthorized nature of the transaction. PayPal denied my claim without providing any evidence that I authorized the billing agreement or the purchase. 

Through a XXXX escalation, PayPals executive office responded but simply repeated a template conclusion stating all indicators suggest the account was secure, without addressing the evidence I provided, including : Walmart confirming the purchasers account is not mine My bank validating this as fraud and issuing me a new account Proof I reported the transaction immediately on XX/XX/XXXX Documentation of compromised banking information. 

I have been contacting PayPal for this issue since XX/XX/year>. When no action was taken I emailed the executive team and office, in which I did not receive any resounds until weeks later when I filed a complaint with XXXX in which PayPal did not respond to. 
On Wednesday, XX/XX/year>, I emailed PayPals executive representative again requesting a new investigator and a written explanation. I have received no response. 

PayPal has not produced any evidence showing I authorized this transaction and has failed to follow standard fraud-handling procedures.

Requested Resolution : I am requesting : 1. A full, independent review of my fraud claim, 2. A refund of the unauthorized transaction, 3. A written explanation of the evidence PayPal relied upon.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GMA Investments, LLC
State: TX

Complaint narrative:
I am receiving repeated threatening voicemails from XXXX. The caller refuses to identify their company, the original creditor, or provide any written validation. They claim there is a claim being resubmitted and threaten to locate me at my job or home. 

The same voicemail has now been sent multiple times, word for word, but with different people speaking. One of the voices belonged to a man I previously spoke to when I called once to ask who they were. He claimed their company name was Summit and said they are process servers, but he refused to give an address, website, case number, plaintiff name, or any legitimate information. 

Real process servers do not call people, do not threaten to locate them, and do not attempt to collect payment. This appears to be a fraudulent debt-collection scam using intimidation and false representation. 

I have saved the voicemails and documented each call. 

I am requesting CFPB assistance and investigation into this phone number and the individuals behind it.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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: PA

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 U.S.C. 1681 Account Name ... XXXX XXXX XXXX .. Account # XXXX Account Name... XXXX XXXX XXXXXXXX XXXX XXXX Account Name .. XXXX XXXX  .. Account # XXXX. 
Account Name.... XXXX XXXX ... # XXXX Account Name.... XXXX & XXXX XXXX XXXX XXXX Account Name...XXXX XXXX.. # XXXX Account Name..... XXXX XXXX ...... # XXXX Account Name..... XXXX XXXX....... # XXXX Account Name..... XXXX XXXX ...... # XXXX Account name....... XXXX card XXXX # XXXX Account Name.... XXXX XXXX XXXX  # XXXX Account Name..... XXXX XXXX XXXX # XXXX Account Name XXXX XXXX... # XXXX Account Name XXXX XXXX XXXXXXXX XXXX ... # XXXX Account Name..... XXXX XXXX # XXXX 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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has Reasonable cause to believe that the information is inaccurate

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 2025-11-25 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: SC

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing an improper INTEREST CHARGE ON PURCHASES of {$870.00} posted on XX/XX/year> on my Synchrony Floor & Decor account ending in XXXX. This charge represents retroactive deferred interest equal to 38.95 % of my prior statement balance. 

I paid the XX/XX/year> statement balance of {$2200.00} in full on XX/XX/year>. Despite this, Synchrony continued adding interest every month afterward, including charges in XXXX, XXXX, XXXX, XXXX, and XX/XX/year>, totaling over {$1100.00} in interest this year. 

I had no access to my Synchrony online account since XX/XX/year>, and I did not receive any paper statements for more than one year, leaving me without legally required billing notices or warning of the promotional expiration on XX/XX/year>. 

I contacted Synchrony several times in XXXX and XXXX by phone and through the online chat. I spoke with multiple agents and supervisors, explained that I was facing XXXX major surgeries ( XXXX in XXXX and XXXX in XXXX ), and that I needed to resolve the issue before my medical leave. All representatives dismissed my concerns and refused to open a claim or investigate the matter. 

Synchrony has now reported this account as 30 days late, which is inaccurate and unlawful under FCRA and FCBA, because the charges are disputed, notice was not provided, and the account was previously inaccessible. 

I request : Reversal of the {$870.00} deferred interest charge Removal of all subsequent interest charges Correction of my account balance and history Written confirmation that no negative credit reporting will result from this dispute Immediate deletion of the 30 days late entry already reported to the 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 2025-11-25 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:
Someone broke in my car and stole my wallet with all my personal information in use my personal credit to gain wealth

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 2025-11-25 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:
Someone broke in my car and stole my wallet with all my personal information in use my personal credit to gain wealth

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 2025-11-25 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: MA

Complaint narrative:
I am filing this complaint against the consumer reporting agencies for the reporting of multiple inaccurate, unverifiable, and misleading items on my credit reports. These errors are causing me significant harm, and despite my attempts to resolve them directly with the bureaus, they remain uncorrected. I am requesting the CFPBs assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. WRONG / UNVERIFIABLE ADDRESSES The following addresses appearing on my credit reports are not mine, and I have no connection or residency history with them : XXXX XXXX XXXX, XXXX, MA XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX Wrong Address These addresses are inaccurate and must be removed immediately as they compromise the integrity of my personal identifying information. 

XXXX. LATE PAYMENTS REPORTED INCORRECTLY ( Inaccurate Account Histories ) The following accounts show late payments that are false, unverifiable, and do not match my payment history. I have never made a late payment on these accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$25000.00} Issue : Incorrect Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$20000.00} Issue : Incorrect Late Payment Reporting * * I am requesting that the credit bureaus correct the inaccurate payment history and update the accounts to reflect never late. 

XXXX. UNAUTHORIZED / UNVERIFIABLE CREDIT INQUIRIES The following inquiries were not authorized by me and must be investigated and removed : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX These inquiries were made without my permission, and I demand verification or deletion. 

REQUEST FOR CFPB ASSISTANCE Under the FCRA, I am entitled to : Accurate and verifiable reporting Removal of unverifiable or incorrect information Protection from unauthorized use of my personal data I request that the CFPB require the credit bureaus to : Remove the wrong addresses immediately. 

Correct the late payment inaccuracies on the listed accounts. 

Remove any unauthorized inquiries listed above. 

Provide written confirmation once the corrections have been completed. 

Conclusion These inaccuracies have negatively affected my creditworthiness and caused financial harm. I request the CFPBs urgent intervention to ensure that all agencies comply with federal reporting requirements. 

Thank you for your attention to this matter.

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