vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
Subject : Formal FCRA XXXX XXXX XXXX XXXX  Account I am disputing the reporting of the closed account XXXX XXXX XXXX. This account is listed as paid and closed, yet it continues to report late payments and derogatory information. 
Violations : FCRA s602 ( A ) Failure to ensure maximum possible accuracy.

FCRA s605 ( a ) ( 5 ) Closed and paid accounts can not continue reporting adverse marks.

FCRA s611 No proper reinvestigation has been conducted despite prior disputes.

FCRA s623 ( a ) ( 1 ) ( A ) Furnisher is prohibited from reporting inaccurate information.

This continued reporting of derogatory marks on a closed/paid account is illegal. I demand immediate deletion of this account from all bureaus. If not corrected, I will pursue legal remedies under FCRA s616 and s617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
b'I am writing to formally dispute certain items that are inaccurately reported on my credit file. I believe these entries are incorrect and may have been mistakenly attributed to my account. I kindly request that you investigate and remove these items from my credit report to ensure the accuracy of my information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXXiginal Creditor: XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX            \nUnder the Fair Credit Reporting Act (FCRA), specifically Section 1681i, I have the right to dispute any information that is inaccurate or unauthorized. The presence of these entries on my report, if they are incorrect, constitutes a violation of my rights under the FCRA.'

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 2025-08-27 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:
b'I am writing to formally dispute certain items that are inaccurately reported on my credit file. I believe these entries are incorrect and may have been mistakenly attributed to my account. I kindly request that you investigate and remove these items from my credit report to ensure the accuracy of my information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXXiginal Creditor: XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX            \nUnder the Fair Credit Reporting Act (FCRA), specifically Section 1681i, I have the right to dispute any information that is inaccurate or unauthorized. The presence of these entries on my report, if they are incorrect, constitutes a violation of my rights under the FCRA.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
My student loan accounts with XXXX were never late. I am part of the Sweet v Cardona borrower defense class action, and my loans have been in administrative forbearance. First forbearance was for the SAVE transition, second for the Borrow Defense admin forbearance. Management only recently contacted me saying my accounts have not been late, and account needs to be updated.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My student loan accounts with XXXX were never late. I am part of the Sweet v Cardona borrower defense class action, and my loans have been in administrative forbearance. First forbearance was for the SAVE transition, second for the Borrow Defense admin forbearance. Management only recently contacted me saying my accounts have not been late, and account needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Klarna AB
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquiries To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Act ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX- date on inquiry- XX/XX/XXXX XXXX- date of inquiry- XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX- Date of Inquiry- XX/XX/XXXX XXXX XXXX- date of inquiry- XX/XX/XXXX XXXX XXXX- date of inquiry- XX/XX/XXXX XXXX XXXX- date of inquiry- XX/XX/XXXX XXXX- date of inquiry- XX/XX/XXXX XXXX- date of inquiry- XX/XX/XXXX XXXX  XXXX- date of inquiry- XX/XX/XXXX XXXX XXXX XXXX.- date of inquiry- XX/XX/XXXX XXXX  XXXX via XXXX date of inquiry- XX/XX/XXXX Pursuant to FCRA 1681 under reinvestigation procedures, you are allowed 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results. I am asking that you verify the account directly with the source of the information. If the account is verified, I require that you provide me the mode and method of communication and verification you received from the furnisher Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX ; XXXX. XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX. XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Late Dates XXXX ; XXXX XXXX. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-08-27 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:
On XX/XX/year>, I submitted a formal request to have my accounts blocked. To date, it appears that this request has not been processed. Under applicable federal consumer protection regulations, I am entitled to have this request acted upon in a timely manner.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX and LOCKHART, MORRIS & MONT It's a violation of 15 U.S. Code & 1692c 15 U.S. Code & 1692g 15 U.S. Code & 1681 e ( b ) must be deleted immediately before you face serious penalties ... I never did any business or any transaction with theses companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 filing a complaint to formally dispute several charge-off and collection accounts reported on my credit file that are inaccurate, unverifiable, or obsolete. 
First, my report includes charge-offs with balances exceeding {$600.00} for XXXX XXXX XXXX XXXX XXXX XX/XX/year>, balance {$6900.00} ), XXXX XXXX ending in XXXX ( balance {$3000.00} ), and XXXX XXXX ending in XXXX ( balance {$3000.00} ). I have not received any IRS Form 1099-C for these accounts, which is required under federal law to validate canceled debt above {$600.00}. Reporting these accounts without proper verification is inaccurate and misleading, and I request that they be removed immediately. 
Additionally, my report includes charge-offs for XXXX ending in XXXX, XXXX ending in XXXX XXXX and XXXX ending in XXXX, all with XXXX balances. Under FCRA 605 ( a ) 15 U.S.C. 1681c, outdated or unverifiable information must be removed from consumer reports. These accounts no longer reflect any balance owed and should be deleted from my credit file. 
Lastly, my report includes a collection from XXXX XXXX ( original creditor : XXXX XXXX. XXXX XXXX ) ending in XXXX with a balance of {$2000.00}. Under FCRA 605B / 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), inaccurate, incomplete, or unverifiable collection accounts must be removed from consumer reports. This account can not be verified as accurate and should be deleted.

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 2025-08-27 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: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding their handling of my credit accounts, specifically the PayPal Mastercard, PayPal Credit, and Venmo Credit Card. 

I have experienced a recurring and damaging pattern with all three accounts. Each time I make a payment, the following month Synchrony Bank lowers my credit limit. For example, my PayPal Mastercard originally had a {$900.00} credit limit. After some time, it was reduced to {$600.00}. When I worked hard to pay the balance off completely, just a few days later Synchrony dropped my limit again, this time down to {$100.00}. 

This same pattern has occurred on my PayPal Credit and Venmo Credit Card accounts as well. No matter how consistent I am with my payments even when paying more than the minimum my credit limits are continually reduced immediately after. 

Synchrony Banks stated reasoning is that they review credit scores quarterly, but what I am experiencing is far more frequent. These reductions are happening almost every month, and they consistently follow right after I make payments toward my balances. 

This practice is devastating for consumers like me who are trying to rebuild their financial stability. I lost my job and my housing, but I have been working very hard to improve my credit score so I can qualify for an apartment. Despite my best efforts, Synchronys actions erase my progress. Each time my score improves, their limit reductions push it back down like starting from the ground up again. 

I believe these practices are unfair, harmful, and predatory. Synchrony Bank is penalizing me for making on-time payments and responsibly managing my accounts. I am requesting that the CFPB investigate these practices and require Synchrony Bank to stop reducing credit limits in this retaliatory manner, especially against consumers who are actively trying to rebuild credit.

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 2025-08-27 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: NY

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-27 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-27 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: CA

Complaint narrative:
Under 15 U.S. Code 609 ( 15 U.S.C. 1681g ) I previously requested that the credit reporting agencies and furnishers provide me with verification of these accounts, including a copy of the original contract bearing my signature. That request has not been honored. Additionally, under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information if, after reinvestigation, any disputed information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. These accounts remain on my credit file without proper verification and continue to cause harm. I am requesting immediate deletion : XXXX XXXX  XXXX loan Balance : {$30000.00} 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 2025-08-27 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: NJ

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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