vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-11-21 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:
I am submitting this formal complaint regarding XXXX XXXX Banks inaccurate reporting of late payments for XXXX and XX/XX/year>2025, which has resulted in significant damage to my previously perfect payment history. 
On XX/XX/scrub>, 2025, a payment in the amount of {$19000.00} was sent to XXXX XXXX Bank. This payment was made timely and in full. Because this payment was properly sent and received, there is no valid basis for XXXX XXXX Bank to report me as late for either XXXX or XXXX. 
Despite this, the bank has furnished information to the credit bureaus indicating that I was delinquent. This is false, harmful, and constitutes improper reporting. 
Statutory Concerns I am requesting that the CFPB investigate XXXX XXXX Bank for failing to comply with federal requirements, including : 15 U.S.C. XXXX ( b ) addressing creditor responsibilities regarding billing errors and dispute resolution under the Fair Credit Billing Act.

15 U.S.C. XXXX outlining limitations on unfair or deceptive actions related to debt collection under the Fair Debt Collection Practices Act. 
Additionally, although not cited by me originally, I also request a review under the relevant provisions of the Fair Credit Reporting Act ( FCRA ) requiring furnishers to report accurate information and correct known errors. 
Requested Resolution I respectfully request that the CFPB require XXXX XXXX Bank to : Immediately correct all inaccurate late payment entries for XXXX and XX/XX/scrub> 2025. 
Update all credit bureaus with accurate, timely information. 
Provide written confirmation that my payment history has been corrected. 
Investigate why accurate payment informationspecifically the payment of {$19000.00} on XXXXwas not properly applied or reported. 
This false reporting has caused unnecessary harm to my credit standing, and I am seeking your assistance to ensure that XXXX XXXX Bank complies fully with federal consumer protection laws. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-11-21 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:
I am submitting this formal complaint regarding XXXX XXXX Banks inaccurate reporting of late payments for XXXX and XX/XX/2025, which has resulted in significant damage to my previously perfect payment history. 
On XX/XX/ 2025, a payment in the amount of {$19000.00} was sent to XXXX XXXX Bank. This payment was made timely and in full. Because this payment was properly sent and received, there is no valid basis for XXXX XXXX Bank to report me as late for either XXXX or XXXX. 
Despite this, the bank has furnished information to the credit bureaus indicating that I was delinquent. This is false, harmful, and constitutes improper reporting. 
Statutory Concerns I am requesting that the CFPB investigate XXXX XXXX Bank for failing to comply with federal requirements, including : 15 U.S.C. XXXX ( b ) addressing creditor responsibilities regarding billing errors and dispute resolution under the Fair Credit Billing Act.

15 U.S.C. XXXX outlining limitations on unfair or deceptive actions related to debt collection under the Fair Debt Collection Practices Act. 
Additionally, although not cited by me originally, I also request a review under the relevant provisions of the Fair Credit Reporting Act ( FCRA ) requiring furnishers to report accurate information and correct known errors. 
Requested Resolution I respectfully request that the CFPB require XXXX XXXX Bank to : Immediately correct all inaccurate late payment entries for XXXX and XX/XX/2025. 
Update all credit bureaus with accurate, timely information. 
Provide written confirmation that my payment history has been corrected. 
Investigate why accurate payment informationspecifically the payment of {$19000.00} on XXXXwas not properly applied or reported. 
This false reporting has caused unnecessary harm to my credit standing, and I am seeking your assistance to ensure that XXXX XXXX Bank complies fully with federal consumer protection laws. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-21 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: WI

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: WI

Complaint narrative:
Please correct/update this inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2025-11-21 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: PR

Complaint narrative:
The creditor is repeatedly reporting Voluntary Surrender / Voluntary Repossession on my auto account every month, instead of reporting it only once as a final status. 
The account is XXXX XXXX XXXX XXXX XXXXXXXX The repeated reporting of a Voluntary Surrender status is causing ongoing damage to my credit profile and constitutes a violation of my rights under the Fair Credit Reporting Act ( 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 2025-11-21 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: FL

Complaint narrative:
The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license.

Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive.

These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. 
XXXX. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third-party debt buyers. 
XXXX. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. 
XXXX. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. 
4. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired.

This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Alleged Violations Include : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Failure to block fraudulent information upon request.

15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681 ( a ) ( 2 ) : Improper use and dissemination of consumer credit information.

15 U.S. Code 1666b and 12 CFR 1026.13 : Violations related to billing error resolution procedures.

15 U.S. Code 1692c and 1692g : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt.

15 U.S. Code 1681 ( 2 ) ( xi ) : Improper reporting of charged-off accounts without proper documentation.

Florida Statutes Chapter 679, Article 9 of the Uniform Commercial Code : Violations concerning secured transactions and consumer protections under Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have been disputing an inaccurate XXXX XXXX auto loan account on my Experian credit report for years. The account was for a financed vehicle that was repossessed and sold, and XXXX confirmed in XX/XX/year> that my balance was {$0.00}, yet the account continues to be reported as a {$19000.00} full charge-off. I have provided photos, official documents, and multiple dispute submissions showing that I owe nothing, but every time I dispute it, the inaccurate reporting is renewed. Experian has failed to correct the reporting, and it appears they may be giving special treatment to XXXX XXXX. This ongoing error is fraudulent and has caused significant financial and personal harm to my family. 

This experience demonstrates how persistent errors in credit reporting, even when supported by clear evidence, can seriously affect consumers and their families.

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 2025-11-21 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: ID

Complaint narrative:
I have been disputing an inaccurate XXXX XXXX auto loan account on my XXXX  credit report for years. The account was for a financed vehicle that was repossessed and sold, and XXXX confirmed in XX/XX/year> that my balance was {$0.00}, yet the account continues to be reported as a {$19000.00} full charge-off. I have provided photos, official documents, and multiple dispute submissions showing that I owe nothing, but every time I dispute it, the inaccurate reporting is renewed. XXXX  has failed to correct the reporting, and it appears they may be giving special treatment to XXXX XXXX. This ongoing error is fraudulent and has caused significant financial and personal harm to my family. 

This experience demonstrates how persistent errors in credit reporting, even when supported by clear evidence, can seriously affect consumers and their families.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have been disputing an inaccurate XXXX XXXX auto loan account on my XXXX credit report for years. The account was for a financed vehicle that was repossessed and sold, and XXXX confirmed in XX/XX/2023 that my balance was {$0.00}, yet the account continues to be reported as a {$19000.00} full charge-off. I have provided photos, official documents, and multiple dispute submissions showing that I owe nothing, but every time I dispute it, the inaccurate reporting is renewed. XXXX  has failed to correct the reporting, and it appears they may be giving special treatment to XXXX XXXX. This ongoing error is fraudulent and has caused significant financial and personal harm to my family. 

This experience demonstrates how persistent errors in credit reporting, even when supported by clear evidence, can seriously affect consumers and their families.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I do not owe this debt and would like it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A Synchrony Bank/Value City XXXX account was opened in my name through deception when I was only XXXX. I was not told I was applying for a credit card. The employees misrepresented paperwork and made me sign forms they claimed were required for a furniture purchase. I did not authorize a credit check, credit application, or credit card. This is identity theft by deception. 

I filed an FTC Identity Theft Report. XXXX XXXX XXXX have removed the account, but XXXX  still shows it and will not allow me to dispute it online because the account was previously investigated or suppressed. I have attached all documents including my FTC report, dispute letters, and ID. 

I am requesting the CFPB require XXXX  and Synchrony Bank to remove this fraudulent account, delete all inquiries, and permanently block the account under FCRA 605B. I am also requesting an investigation into Value City XXXX deceptive practices.

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 2025-11-21 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and unverified reporting on a closed XXXX XXXX credit card account ( ending in XXXX ). Between XXXX and XX/XX/XXXX, I disputed this account with XXXX, XXXX, and TransUnion because no documentation was provided to support the information XXXX XXXX is furnishing. 

On XX/XX/XXXX, I mailed a Formal Dispute of Inaccurate Credit Report Entry to all three bureaus, delivered on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX  sent a generic response without providing any validation. 

On XX/XX/XXXX, I sent a Method of Verification request to XXXX, delivered on XX/XX/XXXX. XXXX  did not provide any documentation showing how the furnisher verified the account. 

On XX/XX/XXXX, I sent a Method of Verification request to XXXX, delivered on XX/XX/XXXX. No verification was provided. 

XXXX XXXX has not provided : A signed credit application Any itemized billing or payment history Any documentation proving the accuracy of the dates or amounts they reported Any verification supporting the furnished information Additionally, the email associated with this account has appeared in multiple dark web breach alerts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This indicates possible identity compromise, yet the furnisher and bureaus have not performed enhanced verification. 

I am requesting CFPB review because XXXX XXXX continues to furnish unverifiable information in violation of FCRA 623 ( a ), and the credit bureaus continue reporting the account without providing the legally required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-21 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: TX

Complaint narrative:
I am disputing inaccurate and unverified reporting on a closed XXXX XXXX credit card account ( ending in XXXX ). Between XXXX and XX/XX/XXXX, I disputed this account with XXXX, Equifax, and XXXX  because no documentation was provided to support the information XXXX XXXX is furnishing. 

On XX/XX/XXXX, I mailed a Formal Dispute of Inaccurate Credit Report Entry to all three bureaus, delivered on XX/XX/XXXX. 

On XX/XX/XXXX, Equifax sent a generic response without providing any validation. 

On XX/XX/XXXX, I sent a Method of Verification request to XXXX, delivered on XX/XX/XXXX. XXXX  did not provide any documentation showing how the furnisher verified the account. 

On XX/XX/XXXX, I sent a Method of Verification request to Equifax, delivered on XX/XX/XXXX. No verification was provided. 

XXXX XXXX has not provided : A signed credit application Any itemized billing or payment history Any documentation proving the accuracy of the dates or amounts they reported Any verification supporting the furnished information Additionally, the email associated with this account has appeared in multiple dark web breach alerts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This indicates possible identity compromise, yet the furnisher and bureaus have not performed enhanced verification. 

I am requesting CFPB review because XXXX XXXX continues to furnish unverifiable information in violation of FCRA 623 ( a ), and the credit bureaus continue reporting the account without providing the legally required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Disappointed with the new Four Leaf Management or Bethpage FCU Bi-Weekly Payment from Four Leaf Checking / Savings of HELOC is restricted Class action should follow if this continues. 
Auto payment was turned off. 
Forced interest is greed.

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