vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: CA

Complaint narrative:
Debt Collector is Sallie Mae XXXX from credit department called and offered me to pay the settlement amount of something {$8100.00} and stead of pending balance.

He reduce the debt by 55 % and advised to clear this and I agreed to clear this payment.

He asked me to make first payment of {$500.00} and then second payment of {$500.00} and then third payment of pending balance.

I agreed and then asked to get same in written. He acknowledged and he said you proceed with first payment so i did first payment of {$500.00} and till now I did not receive anything in written and now someone else is calling from Sallie Mae and is requesting for different amount for payment whereas they not willing to hear what was agreed and they not connecting me with same person who offered this settlement amount in XXXX. 

My concern is Sallie Mae is not providing me same in information in written so I can arrange payment. They are harassing by calling me during work hours but they are not giving me anything in written.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the following unauthorized hard inquiries : XXXX  XXXX XXXX and XXXX. These inquiries were made without my consent violating 15 U.S.C. 1681B ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reports can only accessed with written permission from the consumer. Since I did not authorize these inquiries, I am requesting their immediate deletion from my credit file. These unauthorized inquiries are negatively impacting my credit standing and need to be removed promptly. Please provide written confirmation once these deletions have been completed.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I acknowledge that I have one or more overdue credit card accounts and understand the impact they have on my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX | DOB : XXXXXX/XX/XXXX Date : XX/XX/XXXX Zion Debt Holdings Urgent Demand for Deletion of Unverified Account FCRA & FDCPA Violations. 
This is a formal and urgent demand regarding the account you are reporting under my name. This account is inaccurate, unverifiable, and is being reported in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You have failed to provide full validation of this account. To comply with federal law, you must immediately provide : XXXX. A copy of the original signed contract or agreement bearing my signature. 
XXXX. A full chain of title from the original creditor to Zion Debt Holdings proving your legal right to collect. 
XXXX. A complete itemization of the alleged balance, including principal, interest, fees, and payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-30 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: MI

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 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB I am writing to urgently notify you of the severe and escalating hardship I am experiencing due to Capital Ones continued failure to release funds after the California Employment Development Department ( EDD ) issued a Release of Levy on my account. 

Case Information XXXX Case # : XXXXXXXX Capital One Reference # : XXXX Amount on Hold : {$14000.00} Capital One Fax : XXXX Summary On Monday XX/XX/year>, EDD faxed a Release of Levy to Capital One directing you to reverse the levy and release the hold on my account. The fax was sent to this phone number XXXX. 

On Friday, XX/XX/year>, EDD re-sent the Release via fax. This was confirmed on a joint call between me, EDD, and a Capital One representative. 

As of today, XX/XX/year>, the hold remains in place. If not corrected by XX/XX/year>, the funds will be remitted in error. 

EDD Contact for Verification My assigned EDD representative is XXXX XXXX, who can confirm reached at email XXXX The Release of Levy was transmitted twice : Voicemail : XXXX Fax : XXXX Hardship Impact My auto insurance has already been cancelled, leaving me uninsured. 

I received a XXXX eviction notice, which I could not cure solely because my funds are still on hold. 

I am now at risk of losing my housing and experiencing possible homelessness. 

Requested Action ( Immediate ) Confirm receipt and processing of the EDD Release of Levy. 

Lift the hold and restore the {$14000.00} to my account immediately. 

Provide written confirmation today that the funds will not be remitted to EDD on XX/XX/XXXX now that a release is on file. 

I am copying my State Representatives office XXXX XXXX ( XXXX of XXXX XXXX XXXX XXXX, XXXX ) on this message, and I will also notify my EDD representative, XXXX XXXX of this communication. 

Thank you for your urgent attention. 




Sincerely, XXXX XXXX Ph : XXXX Em : XXXX cc ( via email ) : XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: TN

Complaint narrative:
XX/XX/year> XXXX pm est - XXXX of events. 

For several weeks I have been calling XXXX Klarna customer service at a variety of numbers which they have provided either through their app, through XXXX search, or by the recommendation of their own staff. 

I have complained about XXXX of XXXX active accounts that they allege I owe them. 

My payments are current and on time. 

Problem # XXXX : I was issued a partial refund on XXXX of the orders, for XXXX of the account, because XXXX of the items I ordered was not properly delivered. However, they have not provided me with a copy of the orginal payment plan contract, nor the amended payment plan contract, and in the app, there is no transaction history explained what they did with my money. This was OVER {$50.00}. I have made over XXXX calls to them in 2 days, missed work for every XXXX of those calls, and NONE of their agents have been able to provide me with what is legally due to be provided to me under state and federal XXXX law for verification of debt. I believe they are over billing, and stealing from me. All of the " support '' staff are in a foreign country, are difficult to understand, and can not understand me. How am I supposed to get a resolution? I believe they are stealing from me. They have exceeded the legal time frame to validate the debt. They need to mark this account balance as {$0.00} owed. Currently they allege I owe {$1700.00}. 

Problem # XXXX : I returned an item that was over {$200.00} in value for another order with XXXX. I received a text message from the order company that my account was supposed to be credited yesterday, XX/XX/year> for over {$200.00}. The item was defective. I have had to order another one from a different company to replace what was sent to me. I have had the same lost wages, missed work, and problems trying to communicate with them about this today, and yesterday, as well. This money just appears to have disappeared, and vanished into the air. They continue to allege I owed them over {$200.00}. My payments are on time. I'm being held XXXX to pay for an items that I have tracking numbers to prove the company is in possession of, because it was already returned. Where is my money?!!!! Again, they are breaking XXXX and XXXX law by not following proper communications practed with consumers, debt validation, transaction history, and are committing theft and fraud. 

WHEN WILL XXXX COMPANIES BE REQUIRED TO HIRE XXXX CITIZENS TO HANDLE XXXX ACCOUNTS? 

ANY AND ALL ACOUNTS THAT ARE ALLEGED TO BE OWED BY XXXX CITIZENS SHOULD BE HANDLED ONLY BY XXXX CITIZENS. 

THOSE JOBS SHOULD BE ON XXXX SOIL, WITH XXXX CITIZENS, WHO ARE GOVERNED BY XXXX LAWS, AND HELD ACCOUNTABLE TO THEM. 

THESE ACCOUNTS AFFECT MY CREDIT SCORES, MY LIFE, MY LIVELHOOD. 

I DO NOT DESERVE TO BE ABUSED BY THE OUTSOURCED INCOMPETANTS BREAKING LAWS WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Care Credit/Synchrony keeps losing my phone number on the account, leading me to be unable to update information. I can't fix addresses, monitor account details, or properly protect my account details. I have had this happen multiple times now, and I have to waste time dealing with support to try to resolve this. This latest time I am just being told to wait XXXX hours as they don't know why it doesn't work. I have outdated info on my account that I can't fix because their systems just don't work.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXXI was called by phone number XXXX XXXX XXXX at XXXX at XXXX XXXX.  the rep did not verify any information nor did she say the mini Miranda she stated I owed XXXX and I did not owe that I was trans feted to a manager after requesting to speak to one made a payment and XXXX  refused to give me any information about this issue she stated it is handled internally.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 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 JUST TYPED A LONG EXPLANATION AND IT WAS KNOCKED OFF.... JUST WHAT HAPPENS WITH TU !! tHERE WEBSITE IS ALWAYS BREAKING DOWN AND/OR FREEZING UP. UNREAL! Also, I don't understand last question about TU providing me information. They did not take the hard credit check off! My account is FROZEN.... HOW COULD THEY? SLOPPY AND UNTRAINED EMPLOYEES THAT DON'T CARE ABOUT SOMEONE'S CREDIT! 
THIS COMPLAINT IS AGAINST TRANSUNION FOR THEIR ERROR IN GIVING OUT MY CREDIT INFORMATION TO A COMPANY I DID NOT APPLY FOR CREDIT FROM AND MY CREDIT REPORT IS ALWAYS FROZEN ON ALL THREE COMPANIES... ESPECIALLY DUE TO ALL THE FRAUD THAT IS COMMON NOW! IT DOESN'T SEEM TO HELP MUCH THAT IT'S FROZEN!!! I NOW CHECK IT EVEN MORE OFTEN! 
THE REQUEST FROM SERVICE FINANCE THAT RESULTED IN A HARD INQUIRY ON MY REPORT MUST BE REMOVED! YOU CAN LOOK AND SEE THAT TU DOES FAR WORSE THINGS WITH CONSUMERS ' CREDIT REPORTS, BUT THIS IS BAD AND UNACCEPTABLE FOR ME!! CONSUMERS HAVE NO PROTECTION ANY LONGER! IF I 'LOCK " MY REPORT, I DON'T THINK IT WOULD EVEN MAKE A DIFFERENCE WITH TU.... they are horrible. All XXXX companies need to be revamped and monitored! XXXX  has made mistakes for as many years as I can remember, and it never changes. Not this particular error.

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 2025-09-30 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: VA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
South Mississippi Collection Service Inc illegally contacted and disclosed my debt to my wife. The debt is wrong and was already paid to the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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