vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute multiple inaccuracies reported on my credit report. These accounts contain false information regarding payment history, charge-offs, and collections. I request that CFPB review these matters and ensure the reporting agencies correct or delete the inaccurate information. 
Accounts in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$1200.00} o Issue : Reported as Late Payment. I have never made late payments on this account. The reporting is inaccurate and must be corrected. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Balance Owed : {$0.00} o Issue : Reported as Late Payment. I have always paid on time ; this status is false. Please correct. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Balance Owed : {$56000.00} o Issue : Reported as Late Payment. I never missed any payments. The history is inaccurate and requires correction. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Balance Owed : {$520.00} o Issue : Reported as Charge-Off. I have no knowledge of this account and dispute the validity. I request deletion. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Balance Owed : {$9600.00} o Issue : Reported as Late Payment. This is incorrect. I have never made late payments. Please correct the reporting. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Balance Owed : {$14000.00} o Issue : Reported as Collection. I do not recognize this account and request immediate deletion from my credit report. 
These inaccuracies are affecting my creditworthiness and causing undue hardship. I request the CFPB to intervene, investigate, and ensure these accounts are corrected or removed as appropriate. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 ] 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX i took XXXX dollars and sent it yo my chime account from my XXXX account twice. Total XXXX. I looked a Chime and had a pending XXXX being taken away. The next day i dont see thr pending charge and my funds are not plus XXXX. I Seen on my XXXX account end i had a XXXX sent and asked how is that possible when XXXX is the min withdrawal and told me it was a ach transfer and takes 3 days. Looking at the tranaction on XXXX website/ App it dont say ach but dsys it arrived. Another thing with chime my disabilty check they get never add up of what the be taken out every month before i can access my funds

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

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$460.00} Inquiries : No inquiries are being disputed on my Equifax credit report. 

Late Payments : I am disputing the following late payments on my Equifax credit report : XXXXXXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 ] Account Number : [ XXXX103 ] 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
Bounce AI is reporting an account on my credit report and falsely listing itself as the original creditor. I have documentation showing that XXXX XXXX is the original and current creditor. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), a company reporting information to credit bureaus must provide accurate and verifiable information. Since Bounce AI does not own this debt, this reporting is false and misleading.

I request that Bounce AI : Immediately delete this account from all credit reporting agencies, including Equifax, Experian, and TransUnion.

Provide written confirmation that the account has been deleted.

If Bounce AI can not provide proof of ownership, the account must be removed from my credit report. 

Attachments : Documentation showing XXXX XXXX is the original and current creditor Correspondence from Bounce AI Requested Action : Delete the account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am XXXX XXXX, a XXXX XXXX XXXX, currently residing in XXXX. On XX/XX/XXXX, I sent an official letter from XXXX to the Bank of America XXXX Customer Service Center, requesting account closure and an international wire transfer of the remaining {$1900.00} USD to my account in XXXX XXXX. 

I received notification of account closure on XX/XX/XXXX. However, as of today, XX/XX/XXXX ( over XXXX weeks since the request was mailed, 15 days since closure confirmation ), the {$1900.00} has not been deposited. 

I have been unable to connect with Bank of America customer service ( XXXX ) to trace the wire or obtain a Reference/Trace Number. The bank is unresponsive, and the transfer has failed.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
A cell number under Syncom has continuously been calling me and i looked up the business and it says that they are a debt collection company but I do not have any outstanding debts or any form of money that has been sent to collections and everytime i answer they immediately hang up and ive said multiple times to stop calling i blocked the first number they called me from which is XXXX to which they called me from a different number which is XXXX, which i again answered and told them to stop calling and blocked that number as well

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

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report with Equifax. The information provided is either inaccurate or incomplete and needs to be corrected. 

Charged Off Accounts : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX withdrew {$530.00} from my checking account ( unauthorized ) on XX/XX/year>. They did the same thing last month. I was made to wait 6 days to be refunded last month. They made it difficult to get my money back. They said I would need to spend the money from a XXXX card online, and there was acharge for using the card. They refused to send me my cash back to my account immediately. I finally was sent my money. I also asked them to send my money ( {$530.00} ) that was withdrawn on XX/XX/year>, back to my account on the debit card They used. They have not. They said it would be in my account in 2 days. It should have been deposited into my account by Wednesday, XX/XX/year>. We are now Thursday, and I have not received anything. I aslo asked for a supervisor to call me at noon yesterday to discuss who was going to reinburse me the overdrafts their withdrawl caused me. I am negative {$300.00} because they withdrew a second payment. Please help me. I am without the money to cover my Car insurance, and my XXXX & O payment that was returned insuficient funds because of XXXX 's actions. I asked the person helping me " to check, and triple check to take me off the auto draft. " This request was ignored. Becuase of their actions, I am withdrawn, and have no means to buy gas or groceries, and have been charged {$70.00} in charge backs up to date. I ask that you look into their recording, they rexord all calls. I did instruct the young man helping me to take me off auto draft. This should not keep happening. I ask that you look into this matter, respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
In XXXX Arbor Professional Services ( APS ) began reporting an auto-related account on my credit report, claiming I made payments to them during XXXX. I never made these payments and have never had an account with APS.

APS submitted documents to XXXX  that looked like they came from XXXX XXXX XXXX XXXX XXXX XXXX, even though XXXX confirmed that they did not send these documents and that I am not associated with APS. My real XXXX  account, which ended in XXXX, was closed after a write-off and was never assigned or transferred to APS. The APS account they reported ( ending in XXXX ) is not mine. 

When I contacted XXXX XXXX XXXX, the representative reviewed the APS documents and noted inconsistencies. Due to the misleading information, she instructed me to file an FTC Identity Theft Report. I completed the FTC report and provided supporting documents, including XXXX verification letter and copies of the false APS paperwork. 

The credit bureaus have since deleted the APS account, but because APS falsely represented themselves using XXXX formatting and submitted fraudulent documents, I am concerned they may attempt to reinsert the account or report it again under XXXX identity. I am filing this complaint to ensure the issue is permanently resolved and to prevent future fraudulent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Purchased some furniture from XXXX XXXX XXXX they use the Synchrony Bank credit original loan available was {$4000.00} XXXX ordered furniture it was about {$2500.00} and My available credit left was {$1400.00}. I was making my monthly payments on time and then XXXX of my payments. I decided to pay {$600.00} .. synchrony Bank XXXX show their appreciation to me by after that payment they bought it down to what I owed and then close my account which intern messed up my credit I couldnt understand why they did that to me when I paid faithfully and then gave up the extra {$600.00} on a payment that was supposed to be like XXXX some dollars. so, after that encounter, I no longer trusted them. And then they proceeded to charge me, interest rate and fees, on top of fees on the closing account, which brought the total to {$3000.00} in something. To get the accurate mount and should be available but and this is what theyre trying to sue me for now after they messed up my XXXX XXXX when I paid them {$600.00} etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and several accounts on my credit reports were opened or reported without my authorization. I discovered these fraudulent accounts while reviewing my reports dated XX/XX/XXXX. 

The following accounts are not mine and were opened or placed in collections without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}, opened XX/XX/XXXX XXXX XXXX XXXX / PayVantage {$280.00}, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, opened XX/XX/XXXX Ability Recovery/ XXXX XXXX {$1100.00}, opened XX/XX/XXXX XXXX XXXX {$1000.00}, reported XX/XX/XXXX I placed an extended fraud alert in XXXX, and I have repeatedly disputed these accounts with Experian, TransUnion, and Equifax. I provided each bureau with my government ID, proof of address, and my identity theft report. Despite this, the credit bureaus refused to block or remove these accounts as required under 15 U.S.C. 1681c-2, and many remain on my reports.

I am requesting CFPB assistance to require all three credit bureaus to fully investigate, block, and delete the fraudulent accounts, remove related negative information, and ensure they comply with the Fair Credit Reporting Act.

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