vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-15 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:
Equifax reports false XXXX lates and payments after account closure. XXXX claim + police report filed. Data conflicts with creditor records. Request deletion under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information reported by XXXX XXXX XXXX XXXX to XXXX, which was relied upon by Capital One, N.A. to deny my application for a business checking account on or about XX/XX/XXXX. 

I never received any notice, billing statement, or communication from XXXX XXXX XXXX XXXX regarding an alleged balance, account abuse, or account closure prior to this reporting. I had no opportunity to dispute or resolve the issue before it was reported. 

My XXXX  consumer disclosure lists a single derogatory item from XXXX XXXX XXXX XXXX for account abuse in the amount of {$190.00}, reported as unpaid with a closure date of XX/XX/XXXX. The entry lacks sufficient detail and has not been verified. 

This reporting violates the Fair Credit Reporting Act, including the duty to ensure maximum possible accuracy and to furnish accurate information. Capital One relied on this disputed and unverified data to deny access to a business deposit account, causing financial and operational harm.

I have formally disputed the entry with XXXX  and notified Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am disputing unauthorized charges for extended warranty products that were added to my Synchrony Bank XXXX XXXX XXXX  XXXX ( SYNCB ) credit card account ( account ending in XXXX ). 

On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX located at XXXX XXXX XXXX # XXXX, XXXX, New Jersey. I received the furniture itself ; however, I did not request, authorize, or knowingly agree to purchase any extended warranties. The warranties were not clearly disclosed as optional, and their cost was bundled into the quoted price without my informed consent. 

The disputed amount is {$340.00}. This charge consists of XXXX separate warranty charges of {$69.00} each, listed on the invoice as XXXXXXXX XXXX XXXX XXXX. XXXX. These warranties were applied individually to separate components of the same bed ( such as the headboard, footboard, and related parts ), rather than as a single optional warranty for the furniture set. It was never disclosed to me that warranty coverage would be itemized and charged per component, and I did not authorize multiple warranties for parts of the same bed. 

When I later reviewed my invoice and account statement and discovered these charges, I contacted the XXXX XXXX XXXX  to request their removal. Store personnel informed me that the quoted price included the warranties, despite the fact that this was never explained or disclosed at the time of purchase. 

After the store failed to resolve the issue, I filed a dispute with Synchrony Bank ( Dispute ID XXXX ), which was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Synchrony Bank denied the dispute, stating that the merchandise was received and that the account was charged correctly. 

I then filed a second dispute with Synchrony Bank ( Dispute ID XXXX ), opened on XX/XX/XXXX and closed on XX/XX/XXXX, again clarifying that my issue was not about receipt of merchandise, but about the lack of authorization and disclosure for optional warranty products. Synchrony Bank denied the dispute a second time using the same reasoning, focusing on receipt of merchandise rather than addressing whether I affirmatively authorized multiple warranties. 

My concern is that Synchrony Bank failed to properly investigate and resolve a billing dispute involving unauthorized charges and misclassified the nature of my dispute. The core issue is the absence of clear disclosure and affirmative consent, particularly where multiple warranties were charged separately on individual components of a single furniture purchase.

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 monetary relief
Consumer complaint received 2025-12-15 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:
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 explanation
Consumer complaint received 2025-12-15 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions inaccurate and/or unverifiable credit reporting and failure to properly correct disputed payment history after notice.

Navy Federal Credit Union is furnishing a late payment notation on my credit report that I dispute as inaccurate and unsupported by proper documentation.

Account and Item in Dispute Navy Federal Credit Union Acct : XXXX Late payment reported for : XX/XX/year> I dispute the accuracy and completeness of this late payment entry. 

Basis of Complaint After disputing this late payment, the reporting has remained unchanged without Navy Federal providing documentation to substantiate the delinquency. A furnisher reporting late payments must be able to support the reporting with clear records, including billing statements and payment posting history. To date, I have not been provided documentation showing : The contractual due date and amount due for XX/XX/year> The date payment was received and the date it was posted/applied Any applicable grace period, payment arrangement, or processing issue relied upon to determine delinquency The specific basis used to classify the account as late for that billing cycle Generic verification without documentation does not resolve the dispute or demonstrate that the reporting is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

In accordance with FCRA 609 ( a ) ( 1 ), I hereby request full disclosure of all information in your possession related to this account. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are explicitly prohibited from reporting information that they knowor should reasonably knowto be inaccurate or unverifiable. The continued reporting of such information constitutes negligent or willful noncompliance with federal law.

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 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my CareCredit credit card account with Synchrony Bank in full and closed the account in good faith. 

Months later, I received a call stating I owed residual interest. I was never notified of this balance. 

Synchrony confirmed that my mailing address was incorrect in their system, which explains why I never received paper statements. I also did not receive electronic statements. 

Because I was not notified, interest continued to accrue without my knowledge, including interest on interest. 

I requested a waiver due to lack of notice, which was refused.

I am requesting a full reversal of all residual and accrued interest and written confirmation that the account has a zero balance and no negative credit reporting. 

They verified my email address, but i never received statements by email. I was told by the representative I spoke to on XX/XX/year> that they were mailed. I verified my address and they had my apartment # as XXXX ... my apartment # is XXXX. When I closed the account, I was not informed of any accrued intrest and didn't hear from anyone until a phonecall today. I am withholding payment cause I don't trust that more intrest will be tacked on after its paid.

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 2025-12-15 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-15 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: LA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-15 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: TN

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my Equifax credit report. I am actively working to improve my credit, and I request a reinvestigation of the following items to ensure they are accurately reported and compliant with the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts I do not have any charged-off accounts to dispute for Equifax at this time XXXX 

Inquiries I dispute the following inquiries as unauthorized or lacking proper authorization : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Please verify these inquiries were authorized or remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I reviewed my New York credit report and discovered that XXXX XXXX  and XXXX XXXX XXXX XXXX  are reporting accounts with account numbers that do not match their own official records. 

For the XXXX auto loan, the account number being reported to the credit bureau does not match the account number listed on the official Notice of Right to Cure Default that XXXX sent to me. XXXX letter references a different account number than the one appearing on my credit report. 

For the XXXX credit card, the account number shown on my credit report does not match the account number on my official XXXX billing statement. The credit report lists an account ending in different digits than the statement issued by XXXX. 

Because the account numbers do not match the original creditor documents, I can not verify that the debts being reported are accurate or even belong to the same accounts. I disputed these inaccuracies, but the incorrect information continues to appear on my credit report.

As a result, inaccurate and misleading information is being furnished about me, which has negatively affected my credit profile. I am requesting that these items be corrected or removed unless the furnishers can provide documentation showing that the account numbers being reported are accurate and correspond to the same accounts shown in their own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I reviewed my New York credit report and discovered that XXXX XXXX  and XXXX XXXX XXXX XXXX  are reporting accounts with account numbers that do not match their own official records. 

For the XXXX auto loan, the account number being reported to the credit bureau does not match the account number listed on the official Notice of Right to Cure Default that XXXX sent to me. XXXX letter references a different account number than the one appearing on my credit report. 

For the XXXX credit card, the account number shown on my credit report does not match the account number on my official XXXX billing statement. The credit report lists an account ending in different digits than the statement issued by XXXX. 

Because the account numbers do not match the original creditor documents, I can not verify that the debts being reported are accurate or even belong to the same accounts. I disputed these inaccuracies, but the incorrect information continues to appear on my credit report.

As a result, inaccurate and misleading information is being furnished about me, which has negatively affected my credit profile. I am requesting that these items be corrected or removed unless the furnishers can provide documentation showing that the account numbers being reported are accurate and correspond to the same accounts shown in their own records.

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 2025-12-15 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation