vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate payment histories across several of my accounts, despite my prior submission and my rights under FCRA 602 , 611, and 623 ( a ) ( 2 ) ( b ) requiring fair, accurate, and fully verified information. My XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX  ) is inaccurately reported with multiple delinquencies, including XXXX lates in XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; XXXX lates in XXXX XXXX and XXXX XXXX ; and XXXX lates in XXXX XXXX, none of which align with my actual payments or the servicers acknowledgments. My XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account, open since XXXX with a {$0.00} balance, is incorrectly showing a XXXX late in XX/XX/XXXX, despite documented on-time payment and no late reporting by Experian or Equifax. My XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately marked with a XXXX late in XX/XX/XXXX, although the payment was timely and accepted by the lender. The closed XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reported with escalating delinquencies from XX/XX/XXXX through XX/XX/XXXX, which do not reflect the accounts reconciliations and {$0.00} balance at closure. Additionally, my XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows late payments from XXXX XXXX that contradict verified lender records and the accounts final {$0.00} balance. These reporting errors violate the bureaus obligation to ensure maximum possible accuracy and the furnishers duty to correct incomplete or inaccurate information, continuing to harm my credit despite responsible account management. I request a full investigation and immediate correction of all inaccurate information to ensure my credit profile accurately reflects my payment history.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX & Lowes Accounts ) I maintained Synchrony Bank credit cards for XXXX XXXX and Lowes. 
In XXXX XXXX, Synchrony closed these accounts, citing three returned or dishonored payments These payments were assistant payments initiated by a third party, not made by me. 
I continued making payments on time from my personal account. 
Despite my valid payments, Synchrony closed both accounts. 
My Lowes account had not been used in over a year yet was still closed for this reason.

I believe Synchronys actions were : - Unfair and harmful to my credit history. - Based on inaccurate assumptions about the returned assistant payments. 
Synchrony approved a cash advance which put me over my balance and I was being assisted with third party payments and not knowing that they would not go through. 
XXXX 's XXXX ending in : XXXX and Lowe 's ending in : 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I XXXX XXXX am a natural person filing this formal complaint because SYNERGETIC COMMUNICATION is engaging in illegal, predatory, and fraudulent collection practices against the wrong person. 
This alleged debt is 100 % NOT MINE. I have never opened an account with the original creditor, never signed any contract, never made a payment, and have zero connection to this account. The fact that they are pursuing me proves they are either incompetent or deliberately collecting on bad, stolen, or mixed-up data and I will not be their victim. 

I sent a timely written dispute and validation demand by certified mail demanding : * The name and address of the original creditor. 
* The name and address of the current creditor ( including proof of ownership, such as a complete chain of title or assignments from the original creditor to you, with specific reference to this account ). 
* A copy of the original signed agreement or contract creating the debt. 
* An itemized account statement or ledger showing the full payment history, including the original balance, all charges, payments, credits, interest, and fees, with explanations for how the current balance was calculated. 
* The date of the last payment or default on the account ( to verify it is within the statute of limitations ).

* Verification that the debtor 's name matches mine exactly ( provide evidence addressing the name mismatch ).

Their response? NOTHING. Complete silence. Instead of validating as required by law, they continued reporting to my credit files This is a blatant violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. The law is crystal clear : the second I dispute the debt in writing ; they MUST cease ALL collection activity including lawsuits and credit reporting until they mail me proper validation. They have refused. That makes every phone call, letter, credit report entry, and court filing since my dispute illegal. I am refusing to pay even one penny of someone elses debt.

I demand the CFPB force SYNERGETIC COMMUNICATION to : Permanently cease all collection activity against me forever. 
Delete this fraudulent tradeline from XXXX XXXX, and XXXX  within 24 hours. 
Send me written confirmation on company letterhead that the account is closed as not mine, and the deletion is complete. 
Pay the maximum statutory fines and penalties for refusing validation, collecting without validation, and harassing the wrong consumer. 

I am sick and tired of junk-debt buyers and bottom-feeder collectors terrorizing innocent people over debts that do not belong to them. Make an example out of this company so they finally stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
TransWorldSystems Inc. ( TSI ) has reported a collection account on my credit profile that I was completely unaware of. I never received any prior notice, validation, or communication regarding this alleged debt before it appeared on my credit report. I did not receive any written correspondence, itemized statements, or verification giving me an opportunity to review or dispute the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I only discovered this collection after checking my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple ongoing violations across my TransUnion, Experian, and Equifax credit files. Despite prior disputes, several items continue to be reported inaccurately, misleadingly, or without proper verification. These failures have resulted in continued harm to my credit profile and demonstrate noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

The collection account reported by XXXX for the original creditor XXXX XXXX XXXX XXXX ( Acct # XXXX ), with an alleged balance of {$1200.00}, has never been properly validated. This violates FDCPA 809 due to the lack of required debt validation, and the reporting includes misleading and unfair representations in violation of FDCPA 807 and 808. The Date of First Delinquency is either incorrect or missing, which violates FCRA 623 ( a ) ( 5 ), and the account appears to contain obsolete or improperly aged information prohibited under FCRA 605 ( a ) and 605 ( c ).

The credit bureaus have not provided full disclosure as required by FCRA 609 ( a ) ( 1 ) and have failed to conduct a reasonable reinvestigation under FCRA 611, resulting in the continued reporting of inaccurate, unverified, and misleading information. This also violates the furnishers obligations under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate data.

My credit reports further show unauthorized inquiries from XXXX and XXXX, both dated XX/XX/year>. These inquiries lack a documented permissible purpose as required under FCRA 604 ( a ) and are being retained on my file contrary to the reporting standards of FCRA 605 ( a ).

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Issue : PayPal denied my unauthorized transaction claim even though the payment was sent to the wrong person. The email associated with the recipient is NOT the person I intended to pay. 

Details : I attempted to send {$200.00} to XXXX XXXX, a person I have sent money to in the past. However, PayPal auto-filled an outdated or incorrect email address that does not belong to XXXX XXXX XXXX The payment was instead sent to a completely different individual whose name and email I do not recognize. 

PayPal denied my dispute claiming the transaction was consistent with my past activity, but this is incorrect. While I did send money to XXXX XXXX years ago, the recent transaction went to a different email and a different person entirely. I have never sent money to this new email, and I do not know the person who received it. 

This is an unauthorized transaction because the actual recipient is not who I intended to pay. I never approved payment to this email or person. PayPal did not perform a proper identity review and denied my appeal without explaining how they determined authorization. 

I am requesting that PayPal reverse this incorrect payment and return the {$200.00} I did not authorize to this stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VI

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of my attempts to remove these unauthorized inquiries. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VI

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of my attempts to remove these unauthorized inquiries. Please remove immediately.

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 2025-12-04 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: TX

Complaint narrative:
I currently have a credit card with the XXXX XXXX. I submitted a payment to them which was withdrawn from my XXXX XXXX account on XX/XX/year>. Per XXXX they did not receive payment. I went to my bank ( XXXX XXXX ) and they informed me that the payment was received on the above date. XXXX XXXX wanted to speak to XXXX by phone but they declined. XXXX XXXX also provided me with the trace number but they ( XXXX ) declined to receive it. I have spoken to three managers who said they would call me back within 24 hours and it has been several weeks with no call back. 

XXXX XXXX eventually informed me that if they ( XXXX ) would not assist me an investigation would be initiated regarding the payments. I called back and informed XXXX XXXX  that if I did not receive assistance XXXX XXXX would complete a federal investigation and investigate. I was placed on hold and eventually XXXX informed me to upload the letter from XXXX XXXX onto their website. 

Now, today XXXX is refusing to talk to me. They also have not updated the negative information ( missing payment ) from my credit report. 

I am requesting assistance in removing this false information from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate, incomplete, and misleading reporting of late payments on my credit file, despite my efforts to maintain an accurate credit history under the Fair Credit Reporting Act ( FCRA ). Specifically, my XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX and closed with a {$0.00} balance on XX/XX/XXXX, continues to show past late payments ( XXXX late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX late in XX/XX/XXXX ) but does not reflect that the account was fully brought current, paid in full, and closed in good standing, creating an incomplete and misleading record of my payment history. Similarly, my XXXX  account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX and closed with a {$0.00} balance on XX/XX/XXXX, is reported with extensive late payments ( 120 days late in XX/XX/XXXX, recurring late reporting from XXXX through XX/XX/XXXX, XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX ) without acknowledging that the account was fully satisfied and closed. Both accounts were paid and completed as agreed, yet the credit reporting for each fails to reflect their accurate final status. This continued misreporting violates FCRA 602 regarding fairness and relevance, 611 requiring reinvestigation and maximum possible accuracy, and 623 ( a ) ( 2 ) and ( b ) obligating furnishers and credit reporting agencies to update or correct incomplete or inaccurate information once notified. The failure to report the complete and accurate final status of these accounts has caused, and continues to cause, a distorted view of my creditworthiness and harm to my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a complaint as a consumer to formally demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items currently reported on my credit report, which are causing significant harm to my creditworthiness and financial stability. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of all disputed information. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), no information that can not be fully verified or legally substantiated may remain on my credit report. 
I am disputing multiple late-closed accounts reported across all three credit bureaus. These accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax ) * * and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} TransUnion ) * *. These accounts are inaccurate, unverifiable, and should be removed immediately. 
I am also disputing multiple charge-off accounts that have been reported without the required 1099-C for debts over {$600.00}, which is a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2. These accounts include XXXX XXXXXXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax, TransUnion ) * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} Experian, Equifax, TransUnion ) * *. Because these accounts are unverifiable, they can not legally remain on my credit report and must be removed immediately. 
Furthermore, I am disputing collection accounts reported in violation of FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), as well as 15 U.S.C. 1681c-2, which include SPRINGOAKCAP XXXX XXXX ( {$940.00} Experian, TransUnion ) XXXX XXXX XXXX * ( {$280.00} Equifax ) XXXX XXXX XXXXXXXX * ( {$280.00} Experian, TransUnion ) XXXX XXXX XXXX * ( {$940.00} Equifax ) XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4500.00} Experian, Equifax, TransUnion ) XXXX *. These accounts are inaccurate, unverifiable, and must be removed immediately from my credit file. 
Additionally, I am disputing unauthorized hard inquiries performed in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). These inquiries include XXXX XXXX XXXX XX/XX/XXXX Experian ), XXXX XXXX XXXX  ( XX/XX/XXXX Experian ), XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX Equifax ) XXXX XXXX XXXX XX/XX/XXXX Equifax ) XXXX XXXX XXXX XX/XX/XXXX TransUnion ), and XXXX XXXXXXXX ( XX/XX/XXXX TransUnion ). I did not authorize any of these inquiries, and they must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a complaint as a consumer to formally demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items currently reported on my credit report, which are causing significant harm to my creditworthiness and financial stability. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of all disputed information. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), no information that can not be fully verified or legally substantiated may remain on my credit report. 
I am disputing multiple late-closed accounts reported across all three credit bureaus. These accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax ) * * and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} TransUnion ) * *. These accounts are inaccurate, unverifiable, and should be removed immediately. 
I am also disputing multiple charge-off accounts that have been reported without the required 1099-C for debts over {$600.00}, which is a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2. These accounts include XXXX XXXXXXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax, TransUnion ) * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} Experian, Equifax, TransUnion ) * *. Because these accounts are unverifiable, they can not legally remain on my credit report and must be removed immediately. 
Furthermore, I am disputing collection accounts reported in violation of FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), as well as 15 U.S.C. 1681c-2, which include SPRINGOAKCAP XXXX XXXX ( {$940.00} Experian, TransUnion ) XXXX XXXX XXXX * ( {$280.00} Equifax ) XXXX XXXX XXXXXXXX * ( {$280.00} Experian, TransUnion ) XXXX XXXX XXXX * ( {$940.00} Equifax ) XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4500.00} Experian, Equifax, TransUnion ) XXXX *. These accounts are inaccurate, unverifiable, and must be removed immediately from my credit file. 
Additionally, I am disputing unauthorized hard inquiries performed in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). These inquiries include XXXX XXXX XXXX XX/XX/XXXX Experian ), XXXX XXXX XXXX  ( XX/XX/XXXX Experian ), XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX Equifax ) XXXX XXXX XXXX XX/XX/XXXX Equifax ) XXXX XXXX XXXX XX/XX/XXXX TransUnion ), and XXXX XXXXXXXX ( XX/XX/XXXX TransUnion ). I did not authorize any of these inquiries, and they must be removed immediately.

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