vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX MORTGAGE Account # XXXX Date Opened XX/XX/XXXX Balance {$290000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I am submitting this letter as a formal Notice of Error pursuant to the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX XXXX. XXXX XXXX has reported a XXXX late payment for XX/XX/XXXX on my mortgage account XXXX. This information is factually incorrect, and I am requesting an immediate investigation and correction. 

Description of the Error : My credit report shows the following inaccurate notation : - XXXX XXXX XXXX Days Late However, this payment was not late, and the reported delinquency is due to a servicing or posting error on XXXX XXXX part. 

Evidence of Timely Payment : Attached are documents demonstrating the error : - Proof of payment showing the XX/XX/XXXX installment was made on time - Bank transaction and screenshot showing funds cleared - XXXX XXXX payment confirmation along with any communication confirming my account was current will be shown below. 

These documents clearly show the payment was made before the XXXX delinquency threshold, and therefore the late payment reporting is invalid and must be removed. 






















* * * Requested Action ( Required Under RESPA ) * * * XXXX. Remove the incorrect XXXX late mark for XX/XX/XXXX from my internal mortgage account history. 


XXXX. Update all three credit bureaus ( XXXX, Experian, XXXX  ) to reflect that my account was paid on time. 


XXXX. Provide written confirmation of the correction. 

XXXX. Provide a written explanation of your investigation, including the documents relied upon. Required Timeline : As required by law : - You must acknowledge this request within XXXX business days. - You must complete your investigation and respond within XXXX business days. 

Delivery of Supporting Documents : All evidence supporting my claim is included with this letter. If additional information is needed, please contact me immediately. 

Loan Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: RI

Complaint narrative:
XXXX MORTGAGE Account # XXXX Date Opened XX/XX/XXXX Balance {$290000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I am submitting this letter as a formal Notice of Error pursuant to the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX XXXX. XXXX XXXX has reported a XXXX late payment for XX/XX/XXXX on my mortgage account XXXX. This information is factually incorrect, and I am requesting an immediate investigation and correction. 

Description of the Error : My credit report shows the following inaccurate notation : - XXXX XXXX XXXX  Days Late However, this payment was not late, and the reported delinquency is due to a servicing or posting error on XXXX XXXX part. 

Evidence of Timely Payment : Attached are documents demonstrating the error : - Proof of payment showing the XX/XX/XXXX installment was made on time - Bank transaction and screenshot showing funds cleared - XXXX XXXX payment confirmation along with any communication confirming my account was current will be shown below. 

These documents clearly show the payment was made before the XXXX delinquency threshold, and therefore the late payment reporting is invalid and must be removed. 






















* * * Requested Action ( Required Under RESPA ) * * * XXXX. Remove the incorrect XXXX late mark for XX/XX/XXXX from my internal mortgage account history. 


XXXX. Update all three credit bureaus ( XXXX, XXXX, TransUnion ) to reflect that my account was paid on time. 


XXXX. Provide written confirmation of the correction. 

XXXX. Provide a written explanation of your investigation, including the documents relied upon. Required XXXX : As required by law : - You must acknowledge this request within XXXX business days. - You must complete your investigation and respond within XXXX business days. 

Delivery of Supporting Documents : All evidence supporting my claim is included with this letter. If additional information is needed, please contact me immediately. 

Loan Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
This is a formal demand under the Account Agreement governing account ending in XXXX & Account Ending XXXX. I assert the following : XXXX. Under the " Promise to Pay '' clause, my obligation is to charge transactions using the account, not to pay out-of-pocket funds. 
XXXX. Despite this, for account ending XXXX I submitted a documented request on XX/XX/year> and XX/XX/year>, asking that the balance of {$26000.00} and the balance of {$27000.00} be satisfied through discretionary reallocation or promotional offset. 
XXXX. For account ending XXXX, I submitted the same documented request on XX/XX/year> for the balance of {$1000.00} XXXX. Navy Federal Credit Union did respond ; Please see attached.Dispite the request the Account ending XXXX has been reported late. 
XXXX. The account includes a joint cardholder and/or authorized user. Responsibility for the Promise to Pay lies with them, not solely with me. 

Please see attached : ( XXXX ) Visa Statements with attached card account ending in XXXX ( XXXX ) ( XXXX ) Request for Credit-Based Satisfaction of New balance - Account Ending in XXXX ( XXXX ) ( XXXX ) Navy Federal Credit Union Response XXXX XXXX ) ( XXXX ) XXXX Statement with attached card account Ending XXXX. 
( XXXX ) Request for Credit-Based Satisfaction of New balance - Account Ending in XXXX ( XXXX ) Navy Federal Credit Union Response XXXX XXXX ) Promise to Pay Clause. 
( XXXX ) Passport and social security card for identification purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the following information reported by the credit bureaus. These accounts are inaccurately reported as charged off, and I believe they require further investigation and correction. Below are the details for each bureau. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Hello, My account with Equifax is reporting incorrect amount due. The correct amount is XXXX $ ACCOUNT NAME : XXXX XXXX XXXX Account number:XXXX Amount : {$1600.00} Account name : XXXX XXXX Bank does not belong to me but is reporting to my credit. Account number : XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Thanks, 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Hello, My account with Equifax is reporting incorrect amount due. The correct amount is XXXX $ ACCOUNT NAME : XXXX XXXX XXXX Account number:XXXX Amount : {$1600.00} Account name : XXXX XXXX Bank does not belong to me but is reporting to my credit. Account number : XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Thanks, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am disputing the following items on my TransUnion credit report because they may contain inaccuracies or unverifiable information. I request that TransUnion investigate these accounts and correct any discrepancies as required by the FCRA. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify the purpose of these inquiries or remove them if they were unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
CFPB XXXXomplaint Statement Barclay Credit Card Dispute Denial I am filing this complaint regarding a defective and misrepresented inflatable bounce house purchased using my Barclay credit card. Barclay denied my dispute despite substantial supporting evidence and compliance with all requested documentation. 
Reason for Dispute : I ordered a brand new inflatable bounce house from XXXX XXXX XXXX XXXX. However, the item I received was used, defective, and not as described. Defects and discrepancies include : - The inflatable has another companys logo printed on it ( Evidence Photo # XXXX ). - It is covered in blue ink stains and footprints ( Evidence Photos # XXXX ). - It does not fully inflate, making it unsafe for children ( Evidence Photo # XXXX ). - The product does not match the photos provided by the seller prior to shipment ( Evidence Photos # XXXX ). 
Timeline of Events and Supporting Information : - XX/XX/2025 XX/XX/2025 : Contacted the original company repeatedly to request a refund ( Evidence Photos # XXXX ). - XX/XX/2025 : Escalated the issue to Barclay and opened a credit card dispute for defective merchandise. - XX/XX/2025 : Barclay denied the dispute without sufficient reasoning. - XX/XX/2025 : Barclay requested a supporting letter from a similar company confirming that the item was defective. I obtained and submitted this letter. - XX/XX/2025 : After being told the first letter was invalid because it lacked company logo and contact information, I submitted a new version on official company letterhead with contact details and screenshots verifying authenticity. - XX/XX/2025 : Barclay again denied the dispute. - XX/XX/2025 : I called Barclay and requested a detailed written explanation of why my dispute was denied. Instead, I received the same denial letter from XX/XX/XXXX, which contained no additional reasoning or findings. During that call, the Barclay representative told me that I needed to ship the item back to XXXX in order to receive a refund, supposedly per XXXX return agreement. I reviewed the sellers XXXX profile and confirmed that no such return policy existsthere is no return agreement listed anywhere on the sellers page. 
Request for Resolution : I am requesting : XXXX. A full refund for the defective and misrepresented merchandise. XXXX. Reimbursement of any interest or fees accrued while this dispute remained unresolved. I followed all procedures, provided all documentation, and responded to every request from Barclay. Despite this, Barclay failed to properly investigate and provide a reasonable resolution as required under the Fair Credit Billing Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This entry does not correctly reflect my financial conduct. Please revise the information following review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
CFPB Supplemental Statement Synchrony / Amazon Store Card Dispute - CFPB # XXXX Order : XXXX Amount : {$610.00} Card : Amazon Store Card ( Synchrony ) Ending XXXX I am submitting additional information regarding Synchrony Bank 's handling of my dispute. 
On XX/XX/year>, XXXX XXXX XXXX XXXX confirmed in writing that although Synchrony denied the chargeback for this transaction, the dispute was never properly cleared in Synchrony 's system. As a result, XXXX is technically blocked from issuing a refund or taking any corrective action. 
This contradicts at least XXXX letters I have received from Synchrony over the past year, many of which claimed the dispute was closed. Several letters referenced incorrect amounts or disputes I never filed, indicating deeper systemic failures in Synchrony 's dispute-handling process. 
This creates several regulatory concerns : XXXX. Failure to properly close the dispute in violation of 15 U.S.C. 1666 and 12 CFR 1026.13. 
XXXX. Contradictory, misleading, or inaccurate communications, suggesting noncompliance with CFPB Bulletin XXXX ( UDAAP ).

3. Merchant interference, because Synchrony 's unresolved dispute flag is now preventing XXXX from issuing a refund. 
XXXX. Operational deficiencies, as evidenced by letters referencing disputes I did not initiate ( including incorrect dollar amounts ). 
XXXX has asked me to request that Synchrony remove the claim so they may proceed. I have submitted a formal, certified letter of demand to Synchrony, requiring immediate correction of the internal error. 
Given the documented contradictions, unresolved dispute flags, and XXXX 's statements that Synchrony is preventing resolution, I respectfully request that the CFPB conduct a supervisory audit of Synchrony 's dispute-handling practices in this case. 
I have been an XXXX customer for XXXX years and have more than XXXX  years of credit history, with over {$500000.00} in combined card limits. I have filed only XXXX other dispute in my entire life, which was resolved immediately. The complexity and duration of this issue are not normal and indicate structural problems within Synchrony 's complaint-resolution systems.

I will forward any further developments as Synchrony responds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation