vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Dear BARCLAYS BANKXXXX : cfpb ; When I reviewed my credit report recently, I was surprised to see late payments reported on my account. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-10-09 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Failure by Equifax to Conduct a Reasonable Reinvestigation and Provide Verification Results ( FCRA XXXX & XXXX ( b ) ) Dear CFPB Compliance Division, I am submitting this complaint to formally report Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 611 ( a ) and 607 ( b ).

Despite multiple disputes filed directly with Equifax regarding unauthorized credit inquiries, I have not received any written investigation results, verification documents, or valid legal responses. Instead, Equifax representatives have dismissed my disputes as invalid during numerous phone calls ( over XXXX documented attempts ), without any basis or explanation, in clear violation of their statutory duties. 

Facts and Chronology On XX/XX/XXXX, I filed a formal complaint with the Federal Trade Commission ( FTC Report # XXXX ), attaching evidence of unauthorized inquiries appearing on my Equifax credit report. 

The disputed inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each furnisher confirmed to me that they have no signed authorization or verbal consent linked to my name or credit file. 

Equifax, however, has failed to verify or remove these inquiries, nor have they provided any copy of the alleged authorization as required under FCRA 611 ( a ) ( 2 ) ( B ).

Legal Basis FCRA 611 ( a ) ( 1 ) ( A ) requires CRAs to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any item. 

FCRA 607 ( b ) mandates CRAs to follow reasonable procedures to assure maximum possible accuracy.

FCRA 616-617 provides civil liability for willful or negligent noncompliance.

Federal courts have ruled that failing to conduct a reasonable reinvestigation or to provide documentation constitutes actionable misconduct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-09 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: CITIBANK, N.A.
State: IN

Complaint narrative:
This reporting is inaccurate, incomplete, and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ).

A closed account should not continue to report as delinquent or late once it is settled, paid, or otherwise finalized. Continuing to display negative payment history after closure creates a false representation of current credit behavior and constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-10-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * CCB/ZALESCC * * Regarding : * * CCB/ZALESCC, Account ending in XXXX XXXX * * * * * * * Summary of Complaint : * * I am disputing the way CCB/ZALESCC is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by CCB/ZALESCC - The account reported positively for a period of time.- After I became delinquent, CCB/ZALESCC charged it off and began reporting derogatory information to the credit bureaus. 

- I never received a Negative Information Notice.

- I never received an Adverse Action Notice.

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
National Credit Adjusters has bought payday loan account from XXXX XXXX XXXX parent company of XXXX XXXX XXXX from Iowa. Violation of Illinois Predatory Loan Prevention Act. Payday loan amount for a XXXX dollar payday loan with an Annual Percentage Rate XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXXs falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-09 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was notified in XXXX or XXXX of XXXX that my Synchrony /PayPal account was in arrears. I discovered that someone opened a virtual account with the above on XX/XX/XXXX. 
( XXXX ) XXXX opened XX/XX/XXXX - closed XX/XX/XXXX ( XXXX ) XXXX opened XX/XX/XXXX - closed XX/XX/XXXX ( XXXX ) XXXX opened, date unknown reported lost or stolen by whomever opened the account. 
Upon being informed that may fraud claim was dismissed, I asked for the reason. I was told it was due to the fact that the account was open for more than one year. I contend that that fact has absolutely no bearing on my culpability nor does it link me to the account. There was a specific payment of {$170.00} made on XX/XX/XXXX. They refused to comment on whether they determined the origin of the payment, likely the person that had opened and been using the account totally unknown to me. I also noticed that they were charging me {$3800.00} for a transaction dated several weeks after the account was closed. I don't even know how that was possible. Information is not readily forthcoming from SYNC fraud team, but had they done routine due diligence, they would cleared me.

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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I am requesting a full review of these entries, and if they can not be confirmed as accurate, they must be removed.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2025, I requested a debt validation from XXXX  for LVNV Funding LLC. XXXX answered 5 days later stating the debt will remain on my credit without providing any proof of the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-10-09 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: MD

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I was locked out of all my banking accounts due to suspected fraud as of XXXX of XXXX. Issues with XXXX have been resolved recently, XXXX is investigating several instances of unautahorized changes in XXXX, and XXXXXXXX XXXX  is investigating fraud due to someone having added themself as a coowner of the account and transactions they made. SoFi said there is nothing to discuss with me since my accounts were emptied and closed on XX/XX/XXXX of XXXX. I had tried to let them know that the address on my acount had been chnged from XXXX XXXX XXXX, XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for months, and got nowhere with them. I have no idea how much money is missing.XXXX XXXX is the date for 3 tranactions totaling approxomately XXXX from XXXX occurred. I have some name of people who tried to use my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: WI

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-09 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: OH

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-09 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I'm being pursued for a debt XXXX account that it is not mines and has resulted in a case of inaccurate being reported on my credit report.On XX/XX/year>2025 Credit Collection Service told cfpb that they don't have any information on my case which is false I attached the document so you can review the situation. I don't have any bills or letter from them, they refused to send me any written validation notice to my address, I called the original creditor and they have a totally different address on file. Second that the credit or collector failed to provide me with any mandatory debt validation required noticed because they are using a incorrect address where I never lived at and which is a key violation of fair debt collection practices. I'm tired going back and forth with them. They misinformed cfpb they have no record of my account and I'm uncomfortable sending my documentation to them I don't trust them at all so I'm opening up this report again and sending you the credit report I don't not have any correspondence from them. Also my information is on the dark web with different address and phone number and social security number and driver license. Very unfair practices they want me to respond with a letter from them when I have no ties to that address never lived there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation