vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Debt is paid. It needs to be removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Closed my cash app for no reason .. saying it went against some rules XXXX used my cash app to purchase stuff on XXXX from people .. I need it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account XXXX ending in XXXX ) that appears on my credit report. 

I previously submitted a formal dispute to XXXX XXXX  / Equifax XXXX XXXX  ] challenging inaccurate information associated with this account. The account was subsequently marked as re-verified, but the reporting still contains errors and inconsistencies : The account shows a status of Charge-Off while simultaneously being marked as Paid. If the account was paid, the reporting should accurately reflect Paid Charge-Off, Settled, or Paid in Full.

The balance is {$0.00}, and the account is closed, yet it continues to be reported negatively without clarification.

Important data is missing, such as the Date of Last Activity, and there is no supporting monthly payment history, which makes it difficult to validate the charge-off status. 

The Date of First Delinquency is XX/XX/XXXX, meaning the account is due to fall off in XX/XX/XXXX. However, the last report update was in XX/XX/XXXX, which raises concern about potential re-aging of the account. 

I was not provided with any documentation or verification to substantiate the accuracy of the re-verified information. This is a potential violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting the CFPB investigate this matter and assist in having the account corrected or removed. 

I am attaching a copy of the credit report with this entry, the original dispute letter I submitted, and screenshots of the response or lack thereof. 

Please help ensure this matter is addressed properly and fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: CA

Complaint narrative:
FIRST OFF the letter received stated it was a second attempt/letter sent .. Then claimed the first letter was undeliverable... The address isn't even a valid address and must be what the original creditor provided to them went the information was sent over... If they had my real address that's been the same last 5 years then it would of been delivered... The first address they tried to reach or send a letter to was made up of 2 of my previous addresses ... That's why it couldn't be delivered it wasn't even a valid address ... That's obviously not my address and should of been there first indicator of fraud like I address to them previously ... Then the debt collector/service is XXXX XXXX XXXX XXXX but the letter was sent from XXXX XXXX XXXX stating they where the debt collector/servicer as the original creditor... Even though the in the top corner of the letter it says XXXX XXXX XXXX ... Then in the first sentence it has XXXX XXXX XXXX.. So there are at least 3 different companies stated as the original debt collector/servicer in the same letter ... Everything on what I have read and seen none of it matches up and seems to change depending on what page or sentence I'm reading in there letter... The original account says Synovua Bank but i have never heard of Synovus Bank or open an account with them NEVER!!! I have been involved in 10 different data breach all of witch are document and can easily be researched and verified... The address isn't a real valid address on original report the original collectors are all different... This is the most contradicting thing I have ever seen in my life... It an obvious FRAUDULENT account that shouldn't even been on my credit record and closed upon me saying it was fraud...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I rented a car from XXXX XXXX XXXX  on XX/XX/XXXX. I returned the car on XX/XX/XXXX and I had a {$200.00} deposit that they told me I'd be receiving back. They told me that they returned my deposit on XX/XX/XXXX and sent me a photo of the receipt where they returned it to my card. However, I didn't see anything come through to my bank. I reached out to the credit card company and they told me they never received anything. I opened a dispute with the company providing all of the documentation which I have attached here, and they denied my request to have the {$200.00} back. All of my documentation I provided is clear as to why I should have gotten the {$200.00} back and I provided documentation that they even said they were returning the deposit.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Sent a XXXX payment for XXXX to my son XXXX XXXX by XXXX through Bank of America account by being reviewed in the message section I typed happy Birthday Cub now I sent the XXXX on XXXX XXXX XXXX it is now XXXX XXXX XXXX there is nothing to review nothing fraudulent the bank is trying to keep XXXX please either deliver it or return it I am not a criminal and neither is my son

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed several inaccuracies on my credit report

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Received daily collection calls and endless mail from LVNV FUNDING LLC. I have called multiple times to dispute the validity and requested a copy of the original contract, reps have stated they are a debt collection agency and have purchased this debt from another agency. I let them know that since they purchased the debt, the debt is no longer mine since I do not have a contract with them. Reps let me know that does not matter. I have asked repeatedly for the calls and correspondence to stop but they do not listen so I am filing a complaint, in hopes that all this stops.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I disputed the following account on my credit Report XXXX Account # XXXX XXXX ) Debt was sold to to third [ arty creditor is being collector therefore the balance being shown is incorrect. 

XXXX ) The account was reported numerous months therefore re-aging the account. 

XXXX ) A settlement offer was reached on the account. This information was shown on the account

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 2025-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase checking account was abruptly closed without any prior notice or written explanation. I was told verbally multiple stories and none are adding up one agent states it was closed but that there was no fraud alert, the next one said that the fraud department had closed it, but I have not been given any documentation or opportunity to understand the reason or appeal the decision.

At the time the account was closed, I had a pending check deposit of {$500.00} and Chase is now withholding those funds along with my balance that was available. I am currently stranded out of town with my XXXX XXXX XXXX child without access to my own money, and this is causing extreme financial hardship. I have no funds for food, lodging, or transportation. 

I went to a local Chase branch and was denied assistance and not allowed access to my funds or to speak with a manager who could help. I was told to wait and was not given a timeline or even a confirmation that the funds will be returned. I have asked repeatedly for : A written explanation of why my account was closed The status and amount of my pending deposit The date and method Chase will use to return my funds A clear resolution timeline I was met with vague responses, no follow-up, and no official communication. This treatment has put me in a desperate situation, despite the fact that the money in question is lawfully mine and was deposited from a legitimate check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
On XX/XX/year>, I was notified of a new account appearing on my credit report by Experian. I looked at the account, and it was listed as XXXX XXXX XXXX It states on my report that this account was opened on XX/XX/year>, but I never requested to open a chime bank account. My credit has been on a freeze with all 3 credit bureaus for years, from a prior ID theft issue. There was no inquiry made against my credit, and the account was still able to be opened. A dispute is open with Experian. I have not seen the account appear on my other credit reports yet. I also called the number on the credit report listing for the account and was directed to a scam line trying to sell promotional medical fall alert devices. I then had to XXXX the XXXX customer service line and call them directly ( XX/XX/year> ). I verified with XXXX that there was an account opened in my name, which is fraudulent. The account was closed and deleted.

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 2025-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2025-07-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: DE

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 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 2025-07-19 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: IL

Complaint narrative:
I am a victim of identity theft and recently discovered a fraudulent account on my credit report with XXXX XXXX ( ending in XXXX ) for a balance of {$1200.00}. I did not open this account or authorize any of its activity. I have already filed an official FTC Identity Theft Report ( Report # XXXX ) and provided documentation to both the credit bureaus and the company. Despite this, the account is still being reported on my credit. This situation is extremely stressful and is negatively affecting my credit and financial well-being. If this account continues to report inaccurately, I will have no choice but to explore legal options to protect my rights and restore my credit. This is a clear case of identity theft, and Im asking for immediate action.

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 2025-07-19 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: IL

Complaint narrative:
I am a victim of identity theft and recently discovered a fraudulent account on my credit report with XXXX XXXX ( ending in XXXX ) for a balance of {$1200.00}. I did not open this account or authorize any of its activity. I have already filed an official FTC Identity Theft Report ( Report # XXXX ) and provided documentation to both the credit bureaus and the company. Despite this, the account is still being reported on my credit. This situation is extremely stressful and is negatively affecting my credit and financial well-being. If this account continues to report inaccurately, I will have no choice but to explore legal options to protect my rights and restore my credit. This is a clear case of identity theft, and Im asking for immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-07-19 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX  via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The letter was delivered to Equifax in XXXXGA on XXXX  at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1XXXX XXXX XXXX Balance $0 and account number  XXXX. XXXX  Balance XXXX and account number  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The problem is that equafax keeps letting things go on my report and my credit keeps dropping drastically for something that was never supposed to be on there in the first place. Then when they correct it they only put my credit up XXXX  points. Its seems like they are sabotaging my credit with things that arent valid.

Company response to consumer: Closed with explanation