vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
After reviewing my recent credit report, I was alarmed to find that Experian is the only credit bureau reporting late payment status information for the following four accounts. XXXX and XXXX both report these accounts as current with no history of late payments, making Experians reporting inconsistent, incomplete, and inaccurate. 

The payment status fields listed by Experian include Current, was past due 60 days and Current, was past due 30 days yet no specific month or year is provided to indicate when these alleged late payments occurred. This omission prevents me from understanding or validating the accuracy of the reporting and appears to violate the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reporting. 

The impacted accounts are : Account Name : XXXX XXXX Payment Status : Current, was past due 60 days Account Number : XXXX Account Name : XXXX XXXX XXXX Payment Status : Current, was past due 60 days Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Payment Status : Current, was past due 30 days Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Payment Status : Current, was past due 60 days Account Number : XXXX This issue was originally addressed in a dispute letter sent to Experian on XX/XX/year>, outlining these reporting discrepancies in detail. For reference, I have attached a copy of that letter, which is both dated and time-stamped via certified mail as evidence of timely communication.

Additionally, under 15 U.S. Code 1681a, 1681a-1, and 1666b, it is unlawful to report adverse information on a consumers report without proper verification and without clear disclosure of the underlying transaction. I have never consented to the reporting of inaccurate or unverifiable late payment data, and to date, no supporting documentation has been provided to justify these derogatory remarks.

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank is calling from XXXX XXXX constantly and daily..early morning and late evening. I need these calls to stop. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-14 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: MS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
XXXX XXXX  trying to hold me liable for a debt that I didnt agree to for pictures never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 : Urgent Demand for Immediate Verification and Rectification of False Information on My Credit Report Stemming from Suspected Fraudulent Actions Dear Sir/Madam, I am hereby addressing you in accordance with the regulations outlined in the Fair Credit Reporting Act ( FCRA ), more specifically referencing sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ). It is imperative that you promptly verify and expunge the erroneous late payment details currently reflected on my credit report.

The accounts in question are as follows : Creditor Name :XX/XX/XXXXAccount Number : XXXX Reported Late Payment Date : XX/XX/year> / XX/XX/year> / XX/XX/scrub>XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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 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 non-monetary relief
Consumer complaint received 2025-04-14 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 : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 



According to 15 U.S. Code 1666XXXX, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota Financial Services failed to notify me in XX/XX/2023 that I was past due on a payment originally due on XX/XX/2023. Their own records show that they initiated repossession activity without ever sending an email, even though I consistently received email alerts in other months including an alert dated XX/XX/2023, for a payment missed on XX/XX/XXXX. 

This selective notification is especially concerning given that XXXX was undergoing a system migration on XX/XX/XXXX, which appears to have disrupted their alerting systems. Their subsequent claim that billing statements were available online does not replace the direct email alerts I had consistently received. 

As a result of this breakdown, I was unaware my account had entered delinquency, and the account was reported XXXX days late, affecting my ability to obtain home financing. 

I request that the CFPB and/or Toyotas legal counsel review whether this constitutes a failure of due process, and I renew my request for a goodwill removal of the late mark based on documented communication lapses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-14 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 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 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: NC

Complaint narrative:
I have been disputing the XXXX XXXX account listed above with the credit bureaus for several months. Despite my repeated formal written disputes, this account continues to be reported inaccurately, inconsistently, and in violation of the Fair Credit Reporting Act ( FCRA ). The information being reported is not only harmful to my credit profile, but it is also legally non-compliant, and the credit bureaus have failed to properly investigate or correct it.

Specifically : This account is reported as charged off but still shows a balance owed ( {$74.00} ) across all three credit bureaus. Under FCRA 623 ( a ) ( 1 ), this is inaccurate reporting and creates a misleading representation of my financial obligations. 

The account statuses are inconsistent across bureaus : Experian reports the account as Closed TransUnion and Equifax list the status as Derogatory This violates FCRA 607 ( b ), which requires accurate and consistent reporting.

Key dates are conflicting, including Date of Last Activity and Date of Last Payment, which appear to be re-aged across bureausanother violation of FCRA 611 ( a ) ( 5 ) ( B ).

No bureau has provided me with a signed contract or validation of the account, despite multiple disputes. Under FCRA 609 ( a ) ( 1 ) ( A ), I have a right to receive documentation bearing my signature, and under 611 ( a ), unverified accounts must be promptly deleted.

Equifax reports an inaccurate high credit ( {$74.00} ) and a {$0.00} credit limit, which is contradictory and violates Metro 2 reporting standards.

Despite my detailed disputes and lawful requests, this account remains on my report with conflicting, unverifiable, and outdated information.

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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had auto payment set up, but my information was compromised, and I believe some unauthorized charges were made on my card. When I reported to the companies, they decided to close my accounts. The company failed to investigate the fraudulent transactions and contacted me for payment. Upon contacting me to collect the amount due, a representative from the company agreed that I should pay a certain amount. Then, they also promised that they would remove the account from my credit report due to the unauthorized charges and automatic payment error. The company did not fulfill the agreement, and representatives from such companies used false statements and lied to force customers to settle or pay off the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, WI XXXX XXXX XXXX Synchrony Bank ( original creditor ) XXXX XXXX XXXX XXXX, XXXX, CT XXXX Subject : Dispute of Charged-Off Account & Request for Debt Validation To Whom It May Concern, I am writing to dispute the validity and accuracy of a charged-off account being reported under my name. This account is listed as a charge-off on my credit report and may also have been transferred or sold to a third-party debt collector. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you provide full verification and documentation of this debt. 

Please consider this letter as a formal dispute of the alleged debt and request for : A complete itemization of the original debt amount, including principal, interest, fees, and payments applied ; The name and address of the original creditor ; Proof of the charge-off including the date and reason for the charge-off ; Proof that your agency has the legal right to collect or report this debt ; A copy of the signed contract or agreement creating this obligation ; Documentation that the account has been charged off in accordance with federal banking regulations and GAAP guidelines. 

Until such validation is provided, I am requesting that : You cease all collection activities on this account ; You refrain from reporting or remove any current reporting of this account to the credit reporting agencies ( XXXX, XXXX, and XXXX ) ; Any reporting that continues must be marked as Disputed under 15 U.S.C. 1681s-2. 

Please respond to this request in writing within 30 days as required by federal law. If you fail to provide proper documentation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may seek legal action for noncompliance. 

Sincerely, 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 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: OH

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within XXXX  days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company response to consumer: Closed with non-monetary relief