vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I typically pay my charges, bills, statements as soon as they're able to be paid. In this complaint, myCFNA for my XXXX credit card is not reporting to the major agencies. The account was paid in full on XX/XX/XXXX, and now on XX/XX/XXXX, still shows an open balance of {$500.00} - what I originally used and paid off 3 days later. XXXX  reports the debt and so doe XXXX. The balance has been {$0.00} since XX/XX/year>. I would like XXXX  and XXXX  to do a better job at collecting and reporting accurate data. Same deal for Synchrony Bank XXXX XXXX. I don't STILL owe {$3500.00} there either. I paid that down to {$2000.00} on XX/XX/year>. Today is XX/XX/year> and this old data doesn't change. I am doing all I can to be debt free and improve overall so I can finally purchase my first home. I need your help getting these reporting agencies reporting fairly because there is a lot of old data stopping me from progressing that I believe should be removed and no longer reported to make me look like an untrustworthy and unreliable citizen.

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 2025-06-16 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: GA

Complaint narrative:
I typically pay my charges, bills, statements as soon as they're able to be paid. In this complaint, myCFNA for my XXXX credit card is not reporting to the major agencies. The account was paid in full on XX/XX/XXXX, and now on XX/XX/XXXX, still shows an open balance of {$500.00} - what I originally used and paid off 3 days later. Transunion reports the debt and so doe XXXX. The balance has been {$0.00} since XX/XX/year>. I would like Transunion and XXXX  to do a better job at collecting and reporting accurate data. Same deal for XXXX XXXX  XXXX XXXX. I don't STILL owe {$3500.00} there either. I paid that down to {$2000.00} on XX/XX/year>. Today is XX/XX/year> and this old data doesn't change. I am doing all I can to be debt free and improve overall so I can finally purchase my first home. I need your help getting these reporting agencies reporting fairly because there is a lot of old data stopping me from progressing that I believe should be removed and no longer reported to make me look like an untrustworthy and unreliable citizen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of XXXX  to me. I require you to take action immediately to prevent further XXXX  and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-06-16 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account listed on my credit report. I have attempted to dispute this item multiple times, and yet it remains uncorrected or improperly verified. This is now my third dispute regarding this account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on a consumers credit report is accurate, complete, and verifiable. I am requesting that you conduct a reinvestigation under Section 611 of the FCRA and provide documented proof that this account belongs to me and that it was reported accurately.

If you can not provide proper documentation from the original creditor validating this charge-off, it must be removed from my credit report immediately 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 2025-06-16 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account listed on my credit report. I have attempted to dispute this item multiple times, and yet it remains uncorrected or improperly verified. This is now my third dispute regarding this account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on a consumers credit report is accurate, complete, and verifiable. I am requesting that you conduct a reinvestigation under Section 611 of the FCRA and provide documented proof that this account belongs to me and that it was reported accurately.

If you can not provide proper documentation from the original creditor validating this charge-off, it must be removed from my credit report immediately 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
I received incorrect information from XXXX University regarding my student loan status, which has led to confusion and potential issues with my account managed by Edfinancial. Specifically, I was either misinformed or not properly advised about the loan terms, deferment status, or repayment requirements. 

This misinformation has caused significant problems with my credit report, resulting in a substantial impact on my credit score. 

I have contacted both XXXX University and Edfinancial to try to clarify the situation, but the issue remains unresolved as of XX/XX/year>. Im requesting that the companies involved investigate and correct the inaccurate information and provide me with a clear explanation of my loan status and obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
its was XXXX cst on XXXXand I paid my bill today XX/XX/XXXX, but the system forced me to change the date to tomorrow XX/XX/XXXX. This due by XXXXXXXX XXXX is ridiculous. Please waive the late fee. I always make my payments ans spend good money at XXXX I will be contacting the CFPB to let them know all about this. I paid on XX/XX/XXXX and your system forced me to choose the next days date. 
You are stealing people 's money and the CFPB will investigate and put a stop to this They still charged me {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXXXXXX 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
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and related consumer protection statutes, I formally dispute the alleged debt referenced above and demand full validation. This letter serves as : A COMPLETE DISPUTE of the debt 's validity and your legal authority to collect it A CEASE COMMUNICATION DEMAND under 15 U.S. Code 1692c ( c ) NOTICE OF LEGAL ACTION for any violations VALIDATION REQUIREMENTS ( 15 U.S. Code 1692g ( b ) ) : You must provide ALL of the following within 30 days : Original signed contract proving liability ( UCC 1-201 ) Complete accounting of all charges/interest ( 15 U.S. Code 1666 ) Chain of title proving your legal right to collect ( 15 U.S. Code 1692e ( 5 ) ) License to collect debts in my state [ State Statute ] IMMEDIATE LEGAL DEMANDS : CEASE ALL COLLECTION ACTIVITY ( 15 U.S. Code 1692g ( b ) ) until full validation REMOVE ANY CREDIT REPORTING ( 15 U.S. Code 1681s-2 ) PROVIDE WRITTEN CONFIRMATION of compliance NOTICE OF VIOLATIONS : Failure to strictly comply will result in : CFPB/AG complaints ( 12 U.S. Code 5491 ) Civil action for {$1000.00} per FDCPA violation Punitive damages for willful non-compliance This dispute is made under penalty of perjury. Any continued collection activity constitutes harassment under 15 U.S. Code 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 2025-06-16 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$50000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed an account from XXXX XXXX XXXX XXXX XXXX XXXX that is being reported on my Experian credit report. The dispute was marked as verified, but no documentation was provided to me showing how the account was verified or who verified it. 

I then submitted a formal request for the Method of Verification under FCRA 611 ( a ) ( 7 ) through Experians online platform. Experian has not responded to that request.

Additionally, Experian is now blocking me from disputing this account online again, instructing me to call or mail a letter instead, which limits my legal right to challenge inaccurate or unverifiable information.

I am requesting the following : A full explanation of how the information was verified All documentation used to verify the account Removal of the account if Experian can not provide sufficient verification This is a violation of the Fair Credit Reporting Act, and I am seeking CFPB assistance to hold Experian accountable.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am shocked that the capital one bill pay feature is so dangerous!! There's no cancelled/ cleared bill paycheck image record in capital.one. If the bill pay receiver said not received the payment, then the payer can not get any payment proof from capital one! I'd no more use the capital one bill pay feature in the future to avoid having my money paid somewhere with no payment proof! ! Here 's my extremely bad experience and what happened : I used Capital one bill pay feature paid Missouri IRS quarterly estimated tax {$2000.00} each on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, total {$6000.00}, Later, the Missouri IRS sent me letter require me to send them canceled check image front and back for these payments as proof. I started contacting Capital one customer service in XXXX and required for these images. The customer service told me the only way to get proof of bull pay payment It's to submit a payment dispute and ask for money back to me. I submitted a dispute for this payment, Two weeks later I received a denial of dispute with no payment proof given. I contacted them again, waited another two weeks, received the same result - denied and no canceled check image was given.I made many calls to capital one during this period, eventually Being transferred to the claim department supervisor XXXX, employee number XXXX. I am really in bad luck talked to this man. He was rude and rejected my request to get check image. Just told me the dispute is closed and can not go further. I will not be given. cancelled check images for this payment.I required the supervisor man who is he's up level contact, so I could continue to request the payment proofs, This man told me he is the highest level in capital one. There is no boss above him and he judged my case is closed, check image will not be given. WOW, I just reached the dead end, it is absolute my bad day to meet this rude man!! My {$6000.00} money be paid by capital one, but Capital One does not give me payment proof for these payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
I have never validated or confirmed the accuracy of my credit history or the information listed below. I am exercising my consumer rights to demand that only factual, verifiable, and fully compliant data be included in my credit report. Any errors must be corrected immediately. Additionally, I request a full investigation into the origin of each account and proof that each creditor had a legitimate and lawful basis for accessing or reporting information on my credit file. 

Accounts being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurate or unverified information, especially after receiving this formal dispute, is a direct violation of federal law. I demand that you immediately delete any illegitimately reported items from my credit file. Do not confuse my file with any other individual with a similar name, address, or Social Security number. 

All reported information must meet the required legal standards of being accurate, verifiable, complete, timely, and truly mine. This includes compliance with the Fair Credit Billing Act ( XXXX ), Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. 

If you continue to report unverifiable data or attempt to mislead after this notice, you are willfully violating my consumer rights. You must permanently delete all items that can not be proven to be accurate, lawful, and my responsibility.

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 2025-06-16 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} 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 : {$880.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief