vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
The mistakes on my report are more than an annoyancetheyre actively hurting my score and my ability to pursue new opportunities. Its draining to keep finding errors that shouldnt exist, knowing theyre negatively affecting my life. This has gone on long enough.

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 2025-01-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX [ Date ] Experian XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX Subject : Dispute of XXXX XXXX  under 15 U.S.C. 1681 ( Negligent Noncompliance ) Dear Experian, I am writing to formally dispute the accuracy of an item on my credit report, specifically XXXX XXXX, which I believe to be a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I have previously requested that this item be removed from my credit report, but to date, Experian has failed to take appropriate action. 

Disputed Item ( s ) : FXXXX XXXX  data should be deleted This item should not be on my credit report. Despite my previous request for its removal, it remains listed, which I believe constitutes a failure on XXXX part to follow the necessary procedures for investigating and correcting inaccurate or outdated information. 

In accordance with 15 U.S.C. 1681i, I request that Experian promptly investigate this matter and remove XXXX XXXX from my credit report. As per FCRA guidelines, if this matter is not resolved within the 30-day period mandated by law, I will be forced to consider further actions, including claims for civil liability under 15 U.S.C. 1681n and 1681o for any damages resulting from your noncompliance.

Please notify me of the results of your investigation and the steps taken to resolve this issue within the required 30-day period. I look forward to your prompt attention and resolution of this matter. 

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 2025-01-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Sir/Madam, I am writing to formally dispute XXXX unauthorized hard inquiries on my credit report that I did not authorize. Upon reviewing my credit report, I have identified the following inquiries that I believe to be inaccurate : Creditor Name : XXXX  XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize these inquiries, nor did I apply for any credit or services from the companies listed above on the dates provided. As such, I request that these inquiries be removed from my credit report. 

Please conduct a thorough investigation into this matter and provide me with the results within the 30-day period required by law. If these inquiries can not be verified as authorized, I respectfully request that they be removed from my credit file. 

Should you need additional information to assist in your investigation, please feel free to contact me by phone at XXXX or via email at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of SSN : 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 2025-01-25 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: SD

Complaint narrative:
The mistakes on my report are more than an annoyancetheyre actively hurting my score and my ability to pursue new opportunities. Its draining to keep finding errors that shouldnt exist, knowing theyre negatively affecting my life. This has gone on long enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, XXXX, and Equifax ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and XXXX report {$1400.00}, while Equifax incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, XXXX, and Equifax ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and XXXX report {$1400.00}, while Equifax incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors. 
Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX 2025 : reached out to Synchrony bank to dispute a XXXX $ dollar charge back that was a result of me setting up my auto payment improperly. I opted to pay the statement balance, which turned out to be the entire current balance of the account which is very misleading. The payment account attached to this auto payment did not have sufficient funds to complete the charged amount and resulted in a pay back and a charge of {$30.00} initiated by Synchrony bank ( XXXX  card ). I called multiple customer service representatives and a supervisor that just said no to forgiving this as a one time courtesy. I expressed the issue I had in navigating their ui and they were unwavering in their decision to not forgive the charge. I have been a customer with synchrony for years and have NEVER had a late payment or issue.

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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XX/XX/year>2025 To Whom It May Concern, I am writing to request validation of a debt your company claims I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently became aware of this debt in my credit report, and I need more information before proceeding further. 
Please provide the following : XXXX. Proof that you own or have been assigned the debt from the original creditor, XXXX XXXX XXXX XXXX XXXX 
XXXX. A copy of the original contract or agreement that shows I agreed to the debt. 
XXXX. A complete and detailed account of how the balance of {$740.00} was calculated, including any fees or interest added. 
XXXX. Proof that your company is licensed to collect debts in my state. 

I also request that you cease reporting this account to any credit bureaus until the debt is fully validated. Please note that this letter is not an acknowledgment or acceptance of liability for the debt. 

Under the FDCPA, you are required to provide the requested information and cease collection activities until the debt is validated. If you are unable to provide sufficient proof, I request that the debt be removed from my credit report, and you cease any further contact regarding this matter. 

Please respond to this request in writing at the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: WA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$22000.00} XXXX XXXX XXXX XXXX XXXX - {$51000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Victim of identity theft. Please remove all inaccurate information. Also please remove all inaccurate personal information. I have sent off multiple letters requesting this information be removed/deleted from my credit report and nothing has been done. I sent each letter off certified mail and I have receipts. The credit bureaus Experian, XXXX and XXXX all said that they received my documents but didn't remove the requested and inaccurate information from my credit report. Please delete.

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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited {$580.00} to my Truist savings account from a check that was given to me by a new employer for travel reimbursements while touring the new workplace. Truists fraud analysts instantly flagged my account and the check as being fraudulent and froze and closed the account.

Since then, Ive been calling every day to get an update on the account. Each day I was told to call back the next day as theyd surely have an update. I kept calling and calling until the end of the calls, their supervisor told me absolutely nothing had been done or notated.

This company is highly irresponsible and will negatively impact you financially without any regard for their customers. Now, I am left with multiple car payments and rent in this new location and I need to figure out how Im going to be able to pay for the things I need. This is not including the extra couple of XXXX XXXX  that I had in my others accounts with Truist as well. 

All of that money is gone and now I have nothing left.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  XXXX {$3300.00} XXXX XXXX XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with TransUnion, it remains unresolved. I am requesting immediate investigation and removal of these items, as it is incorrect and does not reflect my my true credit history.

I requested that TransUnion look into and verify these collection accounts. They sent me a letter back saying it was verfied but did not provide me any of the proof of their verification methods ( such as who they spoke with, whether the debt was mine, amount, etc )

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