vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Complaint against Citizens PayXXXX Account XXXX. XXXX I am submitting this complaint regarding serious issues I faced with my Citizens PayXXXX account. While I was temporarily out of the country due to a critical family emergency my mother underwent a XXXX XXXX I was unable to make payments on time. However, this was not simply due to my absence. The companys internal system errors played a major role in preventing me from resolving the issue. Citizens Pay had incorrect information in my account profile, including my phone number. Every time I attempted to contact them by phone from abroad, my account would get locked because they tried to call back on a XXXX number that was not functional in XXXX. I repeatedly asked for alternative methods of authentication or ways to verify my identity, but they were unwilling to provide a solution. I also tried reaching them via email and through all contact methods available, but I received no assistance or resolution. As soon as I returned to the United States, I promptly paid the overdue balances. Despite all this, Citizens Pay has refused to remove the negative credit reports related to this issue. These late payments XXXX XXXX, XXXX XXXX, and XXXX XXXX are a result of a situation that was partially caused by their own system errors and poor customer service. I believe this is an unfair representation of my credit behavior and is severely impacting my credit score. I respectfully request that the CFPB investigate this matter and support the removal of these derogatory marks from my credit report. Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: WA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-19 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: KY

Complaint narrative:
Full Name : XXXX XXXX Date of Birth : XXXX Last 4 digits of XXXX Agencies Involved : Transunion Creditor or Furnisher Name : XXXX XXXX  Account Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint pursuant to multiple violations of the Fair Credit Reporting Act ( FCRA ) and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and/or data furnishers. This complaint concerns the reinsertion of an account that was previously deleted from my credit report without the legally required prior written notification. 
Below are the specific legal violations involved : FCRA 611 ( a ) ( 5 ) ( B ) : Credit reporting agencies must notify the consumer in writing within five days of reinserting a previously deleted account. I did not receive any such notification, making this reinsertion unlawful.

FCRA 607 ( b ) : Requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of information. Allowing a deleted account to reappear without proper validation violates this section.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Re-reporting a deleted account without new investigation is a breach of this statute.

FDCPA 807 ( 8 ) : Prohibits the use of deceptive or misleading practices in the collection of debts. Reinserting a deleted account may be considered a deceptive act.

FCRA 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute incomplete or inaccurate information. This account was previously disputed and removed, and its reappearance infringes on my rights. 

I respectfully request that the CFPB : - Thoroughly investigate the reinsertion of this account on my credit report. 
- Require the agencies to provide documented evidence of written notification within the legal timeframe. 
- Permanently delete the reinserted account due to FCRA violations. 
- Apply penalties or sanctions if a pattern of misconduct is found. 
- Provide me with a detailed report of your findings regarding this complaint. 


Thank you for your attention to this matter. I trust that the rights granted under federal law will be upheld. 

Sincerely, 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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My CD got matured today ( XXXX ). I wanted to open a new CD with the money I was supposed to get from the CD that matured today, as mentioned above. The Notoriously XXXX synchrony bank refused to open a new CD today. Synchrony bank said that to call again on monday ( XXXX ). I asked that synchrony bank, by LAW, MUST pay me XXXX days extra interest. Synchrony bank refused. That is how this XXXX bank, synchrony bank, is minting money, illegally, by refusing to give XXXX day extra interest. One must note that synchrony bank has millions of accounts and it makes millions of dollars illegally, stealing money of XXXX citizens, and our XXXX government is a silent spectator.

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 2025-04-19 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
This information on my report is incorrect I need it removed immediately I already did an ftc report to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This information on my report is incorrect I need it removed immediately I already did an ftc report to get this resolved

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 2025-04-19 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: Rent Recovery Solutions
State: FL

Complaint narrative:
I have no knowledge of this account nor have I ever had any dealings or contracts with this company. This company is reporting on my credit report without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX # XXXX - Opened on XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
I am currently making on-time monthly payments on a court-approved settlement for a XXXX credit card account that was sent to collections and handled through Ras Lavrar. I have not missed any payments and have been current since XX/XX/year>. 

However, my credit reports continue to reflect this account as late or delinquent every month. I contacted Ras Lavrar, who stated they do not report to credit bureaus. XXXX has stated they are no longer managing the account and therefore are not responsible for the credit reporting either. 

I need clarification on who is furnishing the data to the bureaus, and I am requesting that the tradeline be updated to reflect my accurate, current payment status. This reporting is materially impacting my credit score and my ability to secure housing, employment, and credit. This should not have to wait until the account is fully paid off my payment history deserves to be fairly reflected now. I am not disputing the debt or the payment plan itself. I simply want my on-time payment history to be accurately reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : 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 explanation
Consumer complaint received 2025-04-19 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: KY

Complaint narrative:
Full Name : XXXX XXXX Date of Birth : XXXX Last 4 digits of XXXX Agencies Involved : Transunion Creditor or Furnisher Name : XXXX XXXX  Account Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint pursuant to multiple violations of the Fair Credit Reporting Act ( FCRA ) and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and/or data furnishers. This complaint concerns the reinsertion of an account that was previously deleted from my credit report without the legally required prior written notification. 
Below are the specific legal violations involved : FCRA 611 ( a ) ( 5 ) ( B ) : Credit reporting agencies must notify the consumer in writing within five days of reinserting a previously deleted account. I did not receive any such notification, making this reinsertion unlawful.

FCRA 607 ( b ) : Requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of information. Allowing a deleted account to reappear without proper validation violates this section.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Re-reporting a deleted account without new investigation is a breach of this statute.

FDCPA 807 ( 8 ) : Prohibits the use of deceptive or misleading practices in the collection of debts. Reinserting a deleted account may be considered a deceptive act.

FCRA 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute incomplete or inaccurate information. This account was previously disputed and removed, and its reappearance infringes on my rights. 

I respectfully request that the CFPB : - Thoroughly investigate the reinsertion of this account on my credit report. 
- Require the agencies to provide documented evidence of written notification within the legal timeframe. 
- Permanently delete the reinserted account due to FCRA violations. 
- Apply penalties or sanctions if a pattern of misconduct is found. 
- Provide me with a detailed report of your findings regarding this complaint. 


Thank you for your attention to this matter. I trust that the rights granted under federal law will be upheld. 

Sincerely, 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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Some Time In XXXX My Account Was Saying XXXX $ And I Wanted To Know Where That Came From Because I Know Once I Put Money On Cashapp I Used JUST That. That XXXX Been On Since XXXX Causing Me To Have To Use My Friends Cashapp To Send/Recieve Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I have listed in my affidavit/demand to comply be removed immediately within four ( 4 ) business days of receiving this notice. In accordance with CRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally dispute and demand the removal of the following inaccurate and unverified negative accounts and collections currently appearing on my credit report.

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 2025-04-19 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: MI

Complaint narrative:
XXXX XXXX XXXX added {$1600.00} in a collection account that doesnt belong to me. Opened XX/XX/XXXX. Collection reported to Experian credit reporting on XX/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 explanation
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I called Experian Credit Bureau about inquiries on my consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I ask that these inquiries be removed immediately per FCRA 605B ( 15 USC 1681c-2 ) and 15 USC 1681b . The inquiries in question are as follows : 1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/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 explanation
Consumer complaint received 2025-04-19 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 asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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