vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
I am a victim of identity theft, upon checking my credit report from your company I saw that theres a fraudulent account that I dont recognize and didnt authorize to have open.The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Reports and proof of my identity. A copy of section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
To : LOWE'S/SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute Regarding Account XXXXXXXX Synchrony Bank, and Debt Validation Request for Court Case XXXX. 

Dear Lowe's/Synchrony Bank  and XXXX XXXX XXXX XXXX This letter serves as a formal dispute regarding an alleged debt and to request validation of this debt. 

XXXX XXXX To Lowe's/Synchrony Bank  : XXXX XXXX  I am writing to inquire about the status of my charge-off account. I understand that XXXX XXXX XXXX, as an assignee of Synchrony Bank, has filed a Statement of Claim in an effort to collect an alleged debt related to a Synchrony Bank account with an amount claimed to be {$4700.00}. 

Please confirm whether XXXX XXXX XXXX is suing on your behalf or not. Additionally, I request a clear statement detailing the exact amount for which this debt was sold to XXXX XXXX XXXX. 

Furthermore, I explicitly opted out of having my privacy shared, sold, and communicated to third parties through your website and via email to XXXX. My privacy preferences should be respected, and I did not provide consent for my personal information to be shared or sold to third parties, including debt collection agencies. 

* * To XXXX XXXX XXXX ( and XXXX XXXX XXXX ) : * * I am formally requesting validation of this alleged debt. I demand that you provide the following documentation : 1. A copy of the original contract agreement bearing my hand signature, demonstrating my agreement to do business with Synchrony Bank and subsequently with your entity.

2. The forward flow agreement related to the sale and assignment of this debt.

3. The complete chain of assignment, showing a clear and unbroken transfer of ownership of this debt from Synchrony Bank to XXXX XXXX XXXX XXXX, and then to XXXX XXXX XXXX. 
4. Account-level documentation to fully validate this debt, including the original agreement, complete payment history, and any other records pertinent to the chain of custody of this alleged debt. 

Please note that this debt was allegedly sold to you without my written consent. Until such time as you provide all requested documentation validating this debt and demonstrating your legal right to collect it, I dispute the validity of this debt and will not make any payments. 

Your failure to provide the requested documentation within a reasonable timeframe, e.g., 30 days, will be considered an admission that you do not have a valid claim and will be evidence of non-compliance with fair debt collection practices. 

I expect a prompt response to this dispute and validation request.

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 2025-07-01 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:
Subject : Unverified and Inaccurate Collection Account Still Reporting on My Credit File Im submitting this complaint because I disputed a collection account being reported by XXXX XXXX ( Source Receivables ), originally tied to XXXX XXXX XXXX on my credit report. The account number ends in XXXX, and the balance is reported as {$1000.00}. 

I formally disputed the accuracy of this account with the credit bureaus ( TransUnion and Experian ) and requested a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). I also submitted a debt validation request to XXXX XXXX directly under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my written requests, the bureaus have either failed to respond within the XXXX deadline, or they responded without providing any meaningful documentation proving the accuracy of the information. XXXX XXXX has not provided a signed agreement, payment history, or proof of ownership of the debt. 

The account is also inconsistently reported as open with TransUnion and closed with Experian which is misleading and potentially unlawful. 

Requested Resolution : I am asking the CFPB to require the data furnishers ( XXXX XXXX and the credit bureaus ) to : XXXX. Provide full documentation validating the debt, including chain of assignment from XXXX. 
XXXX. Remove the account entirely from my credit file if it can not be fully verified. 
XXXX. Ensure that any future reporting is accurate, consistent, and legally compliant. 

I have attached copies of my disputes, credit report excerpts, and identification for reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Unverified and Inaccurate Collection Account Still Reporting on My Credit File Im submitting this complaint because I disputed a collection account being reported by XXXX XXXX ( Source Receivables ), originally tied to XXXX XXXX XXXX on my credit report. The account number ends in XXXX, and the balance is reported as {$1000.00}. 

I formally disputed the accuracy of this account with the credit bureaus ( TransUnion and Experian ) and requested a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). I also submitted a debt validation request to XXXX XXXX directly under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my written requests, the bureaus have either failed to respond within the XXXX deadline, or they responded without providing any meaningful documentation proving the accuracy of the information. XXXX XXXX has not provided a signed agreement, payment history, or proof of ownership of the debt. 

The account is also inconsistently reported as open with TransUnion and closed with Experian which is misleading and potentially unlawful. 

Requested Resolution : I am asking the CFPB to require the data furnishers ( XXXX XXXX and the credit bureaus ) to : XXXX. Provide full documentation validating the debt, including chain of assignment from XXXX. 
XXXX. Remove the account entirely from my credit file if it can not be fully verified. 
XXXX. Ensure that any future reporting is accurate, consistent, and legally compliant. 

I have attached copies of my disputes, credit report excerpts, and identification for reference

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i dispute the XXXX on my credit report that they are reporting, this information is not accurate, i ask the credit reporting agency to provide me with information from the courts and not a XXXX party to verify that the information is accurate, credit reporting agency refuse to provide information and refuse to remove XXXX  from my report. i also ask them who did they contact to verify this information, or what department they work in or their name, no information of this sort was provided, this creditor was never verify or accurate.

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 2025-07-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 item 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I am writing to express my extreme frustration and disappointment with my ongoing inability to access my patient portal and make a payment on my account. Since XX/XX/year>, I have repeatedly attempted to log in to pay my minimum balance, only to find my online access revoked. This is particularly concerning as I continue to receive emails from your company stating that online payments are available. 

I have tried to resolve this issue by contacting your customer service representatives, but my attempts have been unsuccessful. The representatives I spoke with were unable to provide adequate assistance due to significant communication barriers. Their inability to clearly communicate in XXXX has left me feeling completely disregarded and unheard. 

Furthermore, the fact that I have been locked out of my copay.com account prevents me from paying my balance online, despite your claims that this method of payment is an option. I have already sent two emails to your customer service department requesting assistance, yet I have received no response.

This situation is not only inconvenient, but deeply concerning as I am worried that this unresolved issue will negatively impact my credit score. I have consistently tried to fulfill my financial obligations, but your companys actions are preventing me from doing so.

Given the lack of response and resolution from your company, I am considering filing a formal complaint citing possible violations of the Consumer Fair Credit Act. I strongly urge you to investigate this matter immediately and provide me with a prompt solution to restore my online access and allow me to make the necessary payments. I look forward to your immediate attention and a swift resolution to this problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-01 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
Eastern Account services, I paid the {$150.00} owed and I have the receipt showing paid, but yet they still have it as a collection on my credit. I have asked them for XXXX  months to update the incorrect information and they have not corrected the report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AL

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 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 2025-07-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation