vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax had a class action lawsuit and issued me a prepaid virtual card. I am able to login to the portal they provided, but any attempts to add this card to my XXXX XXXX, or use it at any online merchant, fail. Now, they have begun deducting value from my balance for inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax is still reporting a collection account that Equifax already told me in writing was deleted. 

The account is XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX. 

I disputed this account with Equifax. Equifax completed the investigation and sent me an official Results of Investigation letter with Confirmation Number XXXX. In that letter, Equifax clearly states that this XXXX XXXX XXXX XXXX collection account has been DELETED from my credit file. 

However, even after receiving that letter, this same XXXX XXXX XXXX XXXX account is still appearing in the collections section of my Equifax credit report as an active collection, with a Date Reported of XX/XX/year>. 

This is a direct contradiction : Equifaxs written investigation results say the item was deleted, but Equifaxs credit file is still publishing the account as an active collection. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax must accurately reflect the results of its investigations and maintain reasonable procedures to ensure maximum possible accuracy of my file. That is not happening here. 

I am requesting that Equifax : Immediately remove the XXXX XXXX XXXX XXXX collection account from my credit file, consistent with the written deletion in Confirmation # XXXX ; and Provide me written confirmation once the account has been permanently deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am submitting a dispute regarding the following accounts on my TransUnion credit report. The accounts listed below are in question due to inaccuracies or incomplete information. I respectfully request that these items be thoroughly investigated and corrected in accordance with the Fair Credit Reporting Act. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-09 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts on my credit report that I believe are inaccurate or require further investigation. Below are the details of the accounts in question, categorized by bureau Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Unauthorized Collection Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Unauthorized Collection Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S
. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-09 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 data on file fails to convey the full and correct nature of my financial behavior, resulting in misrepresentation. I request that you perform a formal investigation and correct the information accordingly.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
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 2025-12-09 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-09 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: SC

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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/year>, I signed up for a Synchrony Bank credit line through my XXXX office to cover treatment costs. I was told only that the credit line would help me pay for my XXXX  procedure. At no point did the XXXX office or Synchrony Bank explain that this account included a deferred-interest promotional plan. 

I was never informed : That this was a deferred-interest promotion That interest would accrue from the opening date. 

That failing to pay the full balance by the promotional end date would trigger all interest retroactively. 

That the total interest could exceed {$1000.00} I only discovered these terms when Synchrony added an unexpected interest charge of approximately {$1000.00}. This is not a slight fluctuation it is a significant financial impact, and it occurred without any clear or meaningful disclosure. 

I signed paperwork at the dentists office, but was not told anything about promotional financing, deferred interest, or a payoff deadline. The disclosure was not explained, highlighted, or presented in a way an average consumer would understand. I also did not receive any communication from Synchrony warning me about approaching deadlines or the consequences of not paying the full balance. 

This lack of disclosure misled me and caused substantial financial harm. I asked Synchrony for a copy of the paperwork I signed, but they informed me they do not have it.

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 2025-12-09 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: NV

Complaint narrative:
Recently, I disputed the late payment information reported on this account because the payment history contains clear inaccuracies. Experian responded stating that the investigation was completed and updated the account comments to : Account closed at credit grantors request. 
This update itself confirms a major issue : * If the account is closed, it should not be reporting new late-payment statuses every month. 
* Despite the account now showing as closed, Experian continues to report the following late-payment progression : * 30 days late in XXXXXXXX XXXX 60 days late in XXXXXXXX XXXX  30 days late in XXXX XXXX 60 days late in XXXX XXXX  Continuing through 150 days late in XXXX This pattern is impossible, contradictory, and therefore inaccurate for an account reported as closed several months before. 
I have attached Below is a comparison from another credit bureau showing conflicting information for the same XXXX XXXX account ending in XXXX. These discrepancies further confirm that Experian is reporting inaccurate and unverifiable information, and that the reinvestigation was not properly conducted as required by law. 

FCRA Violations With the FCRA Exerian has violated all codes below and need to be held accountable 15 U.S.C. 1681i requires Experian to conduct a reasonable reinvestigation when a consumer disputes information and to delete or correct any information that is inaccurate, incomplete, or can not be verified. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from providing information they knowor have reasonable cause to believeis inaccurate. 

15 U.S.C. 1681 mandates that all consumer reporting be conducted with maximum possible accuracy. 

Experian has failed to meet these legal requirements because The payment history remains incorrect. 

The reporting is inconsistent between bureaus. 

The account shows new late payments despite being closed, which is not accurate or verifiable.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains incorrect personal information and multiple hard inquiries that I did not authorize or that are not associated with any open credit account. 

First, my personal information is not accurate : - My correct legal name is : XXXX XXXX ( Equifax is reporting variations such as " XXXX XXXX XXXX '' ). 
- My correct and current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax is still reporting several old and incorrect addresses that I no longer use, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IL XXXX These old addresses and name variations increase the risk of mixed files or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), Equifax must maintain maximum possible accuracy in my file, but they have not fully corrected my personal information yet. 

Second, my Equifax report shows multiple hard inquiries that are not associated with any open credit account on my report and that I do not recall authorizing. These inquiries did not result in any active loan or credit card and they are still hurting my credit scores. The disputed inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I already sent a written dispute directly to Equifax with copies of my ID, Social Security card, and proof of address, asking them to correct my personal information and remove these inquiries or provide proof of my authorization. I have not received a satisfactory resolution. 

Under the FCRA ( 15 U.S.C. 1681b ), a company must have a valid permissible purpose and my authorization to access my credit report. If Equifax and the companies involved can not show clear documented evidence of my authorization ( signed application, recorded authorization, or digital logs ), these hard inquiries should not continue to be reported and harm my credit standing. 

I am asking the CFPB to help make sure Equifax properly corrects my personal information and fully investigates and resolves my dispute about these hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-09 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.

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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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