vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
Im reaching out because the reported late payment is incorrect. I made the payment on time, and I have no record of any delay or missed deadline. This appears to be an error, and I kindly request that it be reviewed and corrected. Ive consistently managed my payments responsibly, and I appreciate your help in resolvingthismistake.

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 2025-11-26 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: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
During a recent vacation, I opened a Macys credit card to make a purchase. When I attempted to make a payment over the phone, I was informed that the system was down and that I needed to make the payment in-store. At the time, I was working in an area without access to a nearby Macys location. 

I also attempted to make a payment online, but my account was not showing the balance due. A few days later, I noticed that a late payment had been reported on my credit history. 

I contacted Macys customer service and was told that while the late fee could be removed from my account, they could not remove the late report from my credit history. As of XX/XX/year> at XXXXXXXX XXXX, my Macys account shows no late payment and no outstanding balance. 

Because the late payment resulted from system issues and circumstances beyond my control, I am requesting that this late report be removed from my credit history. This correction is very important, as it directly affects my ability to be approved for a mortgage. 

Thank you for your time and consideration. I appreciate your help in resolving 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 non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
DEAR CCS COLLECTIONS : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am writing to file a dispute regarding multiple accounts that I have identified on my credit report as inaccurate. These accounts are being disputed because of incorrect reporting, including balances, dates, and account statuses. Below is a summary of the accounts in dispute, separated by each credit bureau. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-26 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: AZ

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
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used the Synchrony CareCredit card to finance necessary XXXXXXXX XXXX XXXX The clinic staff assured me the promotion was a 0 % interest offer. Relying on this oral representation for a medical procedure, I immediately set up automatic monthly payments, intending to pay off the debt quickly. If I had known the true retroactive nature of the interest, I would have paid the full amount immediately to avoid risk. 

Despite my diligence, the bank failed at every turn to provide conspicuous disclosure. 

I never received physical mail or warnings because my account address was missing my apartment number. 

I did not access the online statements because I believed the 0 % verbal assurance and had already set up automated payments. There was no clear, timely, or conspicuous disclosure that interest was accruing daily. 

I never missed a single monthly payment, demonstrating my consistent good-faith effort. 


Because a balance remained at the expiration deadline, the bank retroactively applied interest on the entire original purchase amount. This outcome was financially devastating and completely unexpected. The moment I discovered the interest had been charged, I paid the entire outstanding balance immediately to avoid any further accrual. I am disputing the lump-sum charge o the unexpected interest. 

After paying the principal balance in full, I attempted internal resolution. A Synchrony Bank representative, via Live Chat, stated they could not " raise a dispute '' because the account balance was {$0.00} ( I am seeking a refund for the interest amount ). Furthermore, when I requested the formal CareCredit Appeals Claim Form required for disclosure disputes, the representative failed to provide it. This confirms a continued pattern of procedural obstruction and misinformation. 

I urge the CFPB to review this issue in light of the Consent Order Dockets XXXX and XXXX, as this experience clearly perpetuates the deceptive practices previously identified regarding deferred interest promotions. 

I request a full and immediate refund of the entire retroactive interest charge.

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 2025-11-26 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: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX/DOFED XXXX XXXX XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am filing a complaint against PHH Mortgage for reporting false and inaccurate delinquency information on my VA mortgage after I filed XXXX  XXXX bankruptcy on XX/XX/year>. 

Since PHH took over servicing in early XXXX, I have not missed a single mortgage payment. Despite this, PHH reported multiple 90-day, 120-day, and 150-day late payments after my bankruptcy petition date. These late marks are factually false and legally prohibited. 

PHHs reporting violates : 11 U.S.C. 362 Automatic Stay XXXX XXXX Mortgage Reporting Guidelines for XXXX XXXX FCRA 602 ( a ) Maximum accuracy requirement FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurately FCRA 623 ( b ) Duty to investigate and correct Bankruptcy Rule 3002.1 Creditor accuracy and notice requirements PHH was required to suppress delinquency reporting and properly code the account as under an active XXXX  XXXX wage earner plan. Instead, they furnished false late payments during a federally protected period, even though I was completely current. 

This inaccurate reporting has harmed my credit profile, created false derogatory information, and negatively impacted my bankruptcy and foreclosure situation. 

I am requesting that PHH : Remove all delinquency reporting that occurred after XX/XX/year> ; Correct the account using proper XXXX XXXX bankruptcy coding ; Provide documentation explaining why PHH reported late payments during the automatic stay despite my payments being current, including : All XXXX XXXX codes used All ACDVs/AUDs All credit bureau submissions Internal servicing notes The policy or legal basis PHH relied upon. 

These late marks never existed and should not have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: U.S. BANCORP
State: KS

Complaint narrative:
Received gift card for birthday in the amount of {$100.00}. Generic XXXX XXXX I went to a restaurant for my birthday opened the package and tried to use it. it would only run the amount for {$1.00}, even though i said use {$100.00}. when I went to the website to check balance it shows XXXX balance but my {$1.00} transaction is also shown

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 2025-11-26 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$530.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$13000.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: TX

Complaint narrative:
I have now mailed XXXX separate disputes to your company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite sending XXXX lawful disputes, I have not received XXXX piece of verification for any negative item on my credit report. Not XXXX late payment validation, not XXXX collection validation, not XXXX charge-off validation, and not XXXX inquiry verification. My personal information corrections were also ignored. 
Instead, what I received were stall letters, which I now know ( from publicly available information and CFPB guidance ) are part of the bureaus known stall tactic systems, including claiming : That I am working with a third party That I submitted disputes through a credit repair company That I claimed identity theft All of these are false. 
I did not claim identity theft. 
I am not working with a credit repair company. 
I am the one who submitted every dispute. 
Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days. 
I gave you XXXX days each round, and you still failed to provide verification. 
Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you must provide a description of the procedure used to verify each item. 
You did not. 
Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy. 
You did not. 
Under Metro 2 Compliance Standards, you are required to maintain accurate reporting, proper coding, and proper consumer dispute handling. 
You did not. 
Under FCRA 609 ( e ) and 611, you must provide documents used to verify accounts, including : Original creditor documentation Contract or application bearing my signature Complete payment history Itemized accounting Proof of assignment for any collection Matching identifying information You provided none of these. 
Instead, all three bureaus continue to verify information WITHOUT verification, which is a violation of FCRA, Metro 2, and CFPB regulations. 
Patterns of Illegal Behavior & Known Issues Your company has a documented history of : Failing to investigate disputes Using automated stall tactics Issuing third-party denial letters without evidence Adding unauthorized fraud alerts And multiple federal lawsuits, including data breach failures I am aware of your past violations, including the data breaches with all the XXXX  Yet these are the companies trusted to report and protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the following accounts that are in dispute on my credit report. I am requesting your investigation into the inaccuracies present, as outlined below. Please investigate these accounts per the Fair Credit Reporting Act ( FCRA ) and the applicable consumer protection laws. 

Charged Off Accounts : Bankruptcy : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX  : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} Inquiries : ( None listed for XXXX  ) Late Payments : XXXX XXXX XXXX : Account 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 2025-11-26 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: NV

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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