vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I ordered a shirt from a website ( XXXX XXXX XXXX ) for {$120.00}. On XX/XX/XXXX, XXXX notified me that I need to pay an extra {$75.00} to get my package. I tried to just get the package returned and they refused to return it without me paying for a " return shipment '' when I didn't even receive my product. I told them I'm not paying it, they told me they are giving me or returning the product, even though it was already in my state. I decided to go through Chime instead to just dispute the charge. I have never had an issue disputing charges with my other bank. It might have taken a few days, but even then, they would provide me with a temporary credit. I filed the dispute on XX/XX/2025. They did not provide me with any follow up or temporary credit because " my claim did not qualify for one because my dispute isn't for a billing error. '' I called them about a month later and asked why the claim hadn't been processed yet. They had me on the phone with their " AI receptionist '' and would not connect me with a real person. Then I talked to a real person and they told me I would just have to wait longer. So I said, verbatim, " It is ridiculous that I am waiting this long for my money back on a product I never received. All of the screenshots and proof I provided you guys with, is enough for you to determine I did not receive my product or my refund, therefore I am entitled to my funds. I am about to close my account. '' They then told me that they are trying to get the company to refund my money, even though I provided them with a screenshot of an email from the company stating that they would not. I finally gave up and closed my account the same day. They told me that once the account was closed and the dispute was processed, I would receive a check with my funds. 44 days. It took 44 days. XX/XX/XXXX to XX/XX/XXXX, to process my dispute. A day before their " 45 day '' deadline. This is a gross practice. I call them and the representative doesn't know what I am talking about at all. Doesn't see the funds that were deposited into my closed account. Once I read the email to her, she said " Oh yeah I see them. It's gon na take 30 days for us to give you a check. '' I asked if there was any way for her to just transfer the funds to my account. " Nope ''. Great. So I will have to wait a whopping 74 days to get my money back. Their employees don't know what they are talking about, and they are going to get the company sued one day for spreading misinformation and withholding consumers ' funds from them. They told me I never qualified for a temporary credit because of a billing error, and then the email stating that my dispute processed, said IT IS A BILLING ERROR. They straight up lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had an Amazon Credit Card managed by Synchrony Bank that had been dormant for over 6 years. It was not listed as a valid payment method on my Amazon account. 

In XXXX of XXXX, I downloaded the Audible app ( which uses Amazons payment infrastructure ), and it automatically charged this long-inactive Synchrony card {$8.00} without my awareness. 

Once I noticed this dormant card was charged, I paid the balance in full. In XXXX, the late charge showed up on my credit report. I then contacted Audible, and they confirmed the charge should not have occurred. They refunded the full {$8.00} and acknowledged it was a mistake. This was in XXXX of XXXX. 

I reached out to Synchrony Bank to request removal of the XX/XX/XXXX day late payment, given the unique circumstances and that the charge was refunded. I was told they could not make any changes. I called multiple times and was hung up on or refused escalation to a supervisor. 

As a result, my credit score dropped from around XXXX to around XXXX and has remained suppressed. Ive been unable to rent an apartment due to my score falling below XXXX, all over a single, unintentional {$8.00} charge that was refunded and originated from an account I had not knowingly used. 

Im requesting that Synchrony remove this late payment as a goodwill gesture or that the CFPB investigate whether it was fairly and accurately reported given the refund and unusual context.

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 2025-08-03 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: PA

Complaint narrative:
Please investigate these accounts as they are from previously identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both account was obtain as result of identity theft per FRCA 605A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
I am submitting this complaint against Continental Finance Company and XXXX XXXX XXXX XXXX  for issuing a credit card to me during my active XXXX  XXXX bankruptcy without court approval, despite having full access to public bankruptcy records confirming my legal status. 

ILLEGALLY ISSUED CREDIT DURING BANKRUPTCY The account appears on my credit report as XXXX  Account # XXXX, with the following details : Opened : XX/XX/XXXX Closed : XX/XX/XXXX Charged Off : XX/XX/XXXX Balance : {$0.00} Status : Charge-off, marked transferred At the time this credit was issued, I was still under active protection of a confirmed XXXX  XXXX bankruptcy, filed on XX/XX/XXXX, and not closed until XX/XX/XXXX. Continental Finance and XXXX XXXX XXXX XXXX  had access to XXXX  and were fully aware of my bankruptcy status when they issued the card. They did not seek or receive court approval, which is required under federal law to extend post-petition credit during an active bankruptcy. 

HARMFUL CREDIT REPORTING Despite showing a {$0.00} balance and no current collection, this account continues to be reported with derogatory remarks : 30-, 60-, and 90-day late payments Charge-off status " Worst Rating : Collection/Charge-off '' Remarks : " Transferred to another lender '' This account was also disputed with XXXX XXXX and XXXX, but no correction or removal has occurred. 

VIOLATIONS COMMITTED : 11 U.S.C. 362 ( a ) Violation of the bankruptcy automatic stay 11 U.S.C. 1305 Unauthorized post-petition debt 11 U.S.C. 524 ( a ) ( 2 ) Violation of discharge injunction 15 U.S.C. 1681s-2 ( a ) Furnishing knowingly inaccurate information 15 U.S.C. 1681i Failure to investigate and correct disputed account 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-08-04 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX 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 2025-08-03 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: NY

Complaint narrative:
I previously filed a dispute regarding an alleged debt that XXXX XXXX XXXX ( XXXX ) is reporting on my credit report. I have never received a written notice of this debt, and upon discovering it, I promptly submitted a written dispute and demand for validation. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), XXXX  was required to provide : Proof of the original creditor The signed agreement creating the debt A complete and unbroken chain of assignment Proof that XXXX  has legal authority to collect the debt A detailed itemized accounting of the debt I also invoked my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), requiring XXXX to conduct a reasonable investigation and remove or correct any inaccurate or unverifiable information they are furnishing to consumer reporting agencies. 

XXXX responded to my initial complaint by stating only that they would " cease communication '' with me. They did not validate the debt and did not address or remove the tradeline from my credit report. 

Ceasing communication is not a valid substitute for debt validation or proper credit reporting investigation. Their continued furnishing of this account without validation or investigation violates both the FDCPA and FCRA. 

I am requesting the CFPB require XXXX to provide full validation documentation or remove the tradeline from all consumer reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
The accounts from XXXX XXXX XXXX, XXXX, and XXXX XXXX are inaccurate. The credit bureaus failed to verify them as required by the FCRA. I request investigate and their removal.

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 2025-08-03 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: CA

Complaint narrative:
I sent a VERIFIED NOTICE AND DEMAND to TransUnion, Experian, and Equifax disputing multiple false, outdated, and unauthorized tradelines. The dispute included a notarized affidavit under 28 U.S.C. 1746, proof of identity, and a formal demand for verification and the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). None of the bureaus responded within the required timeframe. They failed to provide the method of verification, and continue to report the disputed and unverifiable information in violation of FCRA 1681i, 1681b, 1681e ( b ), 1681n, and 1681o.

They did not conduct a lawful investigation and ignored a legally sufficient and verified dispute. This constitutes willful noncompliance, bad faith, and continued commercial injury. I am demanding the immediate deletion of the listed tradelines and full compliance 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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I asked the company to provide debt validation or remove the debt from my credit report. They did not provide the written debt validation and did not remove the debt from my credit reports including but not limited to XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XXXX of XXXX, I paid off a Chase credit card that had been closed in full. As of XX/XX/XXXX, the account is showing OPEN when it should be CLOSED. Also, I paid the full amount due, and it says in the credit report that it is settled for less than the full balance. This is causing issues with my ability to gain credit, because it is indicating a serious delinquency. I am not delinquent on the Chase account. It is closed and paid and has been for a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account has late payments where I was not responsible for such an eventual outcome that has affected by credit history. I believe that the issue was because the financial institution flawed on the automatic payments, and I was never made aware of it until late payments occurred. I was never given a warning phone call, nor given notice by email or text message, even though such a warning system was already in play. I request a full accounting of the late payment history and if I am 100 % accurate the deletion of the late payment history. 

PLEASE UPDATE THIS ACCOUNT AND DELETE THE LATE PAYMENTS COMPLETELY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: IA

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Metro 2 Compliance Dispute - Demand for Deletion Account : XXXX XXXX XXXX  | Account Number : XXXX To Whom It May Concern, I am formally disputing the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 
Upon review of my consumer report dated XX/XX/XXXX, I identified multiple violations and inaccuracies in the reporting of this account. 
XXXX. The account fails Metro 2 format compliance by reporting without complete and verifiable information. 
XXXX. The account reflects no payment history data, yet is reported as an active collection with an unpaid status. 
XXXX. The Date Opened ( XX/XX/XXXX ) and Status Updated ( XX/XX/XXXX ) are inconsistent and misleading under Metro 2 standards. 
XXXX. The account balance of {$2100.00} is reported without validation or supporting documentation as required by 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ). 
XXXX. No permissible purpose for the furnishing of this account has been verified per 15 U.S.C. XXXXb. 
Given these violations, I demand immediate removal of this account from my consumer file. Failure to remove this inaccurate and non-compliant entry will result in my filing a formal complaint with the CFPB, FTC, and my State Attorney General, and I will seek damages under 15 U.S.C. XXXX and XXXX. 
Page XXXX Metro 2 Compliance Dispute Letter This is a formal notice to delete the account within XXXX  days from receipt of this letter, as continued reporting of inaccurate data constitutes willful noncompliance. 
Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am filing this complaint against ( Experian or XXXX  ) for its continued and unlawful reporting of a child support tradeline that was paid in full and officially requested for deletion by a government agency. 

On XX/XX/year>, I received a second confirmation call from the Florida Department of Revenue ( FDOR ) stating that a deletion request for the child support tradeline was submitted via their internal system to both Experian and XXXX. This deletion was authorized due to the tradeline being paid in full as agreed and no longer meeting the criteria for continued reporting. 

XXXX  fully complied with this request and removed the tradeline on XX/XX/year>, pursuant to the same communication from the Florida XXXX. However, Experian and XXXX  have allowed 47 days to pass and have not complied with the government 's request, nor have they provided any legal justification for doing so. 

Their inaction continues to cause reputational harm, emotional distress, and damages to my creditworthiness despite the tradeline being resolved. This constitutes willful and negligent noncompliance under multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to update or delete inaccurate information after notification from the furnisher 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681n Willful noncompliance, entitling me to statutory and punitive damages The tradeline, although showing a {$0.00} balance, remains marked with derogatory remarks and is damaging my personal and professional credibility. This is especially egregious given that the deletion was mandated by a state agency and already honored by one of the national credit bureaus. 

If this matter is not resolved promptly, I will take legal action in federal court under the FCRA. I have already sent formal legal notice of my intent to sue to the involved parties.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I should have had a credit report by XX/XX/XXXX or XXXX as I started my new credit card in XXXX. It is my first credit card, I was told by the credit card company ( Capital One ) that something was incorrect on my credit report through their Creditwise program ( my social security was apparently incorrect ) and I was told by them to file a dispute against that. Then I called XXXX XXXX XXXX and was told by XXXX that I do not have a credit report at ALL and that I should file a dispute through this website against it. I have no recollection or idea how my social security was incorrectly put into an application as that never shouldve gotten accepted. I do not want this affecting my credit score and still can not access my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have a severely delinquent federal student loan currently serviced by Nelnet. The account has been reported as over 120+ days past due and is negatively affecting my credit. I was unaware that I was eligible for the Department of Educations XXXX XXXX program, which allows defaulted borrowers to return to good standing. I was never notified or offered enrollment until recently, and the negative reporting continued even after I began seeking rehabilitation. I am now trying to resolve the matter and remove the derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
In XXXX of XXXX, I paid off a XXXX credit card that had been closed in full. As of XX/XX/XXXX, the account is showing OPEN when it should be CLOSED. Also, I paid the full amount due, and it says in the credit report that it is settled for less than the full balance. This is causing issues with my ability to gain credit, because it is indicating a serious delinquency. I am not delinquent on the XXXX account. It is closed and paid and has been for a 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 non-monetary relief