vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am on SSI, and this is my only source of income. Federal law ( 42 U.S.C. 407 ) protects SSI benefits from garnishment, levy, or other collection.

Before this incident, I had already informed Discover through a XXXX  complaint that I am on SSI and requested that they stop collection activity. Despite that, I received a letter from Discover titled Attorney Referral Pending, dated XX/XX/year>, threatening to refer my account to an attorney and file a lawsuit if I did not make payment by XX/XX/year>. I have attached a copy of this letter. 

After receiving it, my son called Discover with me on the line. I authorized Discover to speak with him. During the call, he told the representative several times that I am on SSI and can not afford payments. The representative responded that if I did not agree to a settlement, Discover would move forward with legal action. 

Feeling scared and pressured, I agreed to a settlement even though I can not afford it and my income is legally protected. I felt I had no choice because I did not want to be sued. 


I have attached a letter from Discover dated XX/XX/year>, titled Attorney Referral Pending, which threatens to refer my account to an attorney and file a lawsuit if I did not make payment by XX/XX/year>. This letter was received after Discover had already been informed through a prior XXXX  complaint that my only income is SSI, which is federally protected from collection or garnishment. 

Despite this knowledge, Discover continued collection activity and threatened legal action, which caused distress and confusion. This conduct appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d, 1692e ( 5 ), and 1692f ), the UDAAP provisions of the Consumer Financial Protection Act ( 12 U.S.C. 55315536 ), and SSI income protections under 42 U.S.C. 407.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/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 2025-10-22 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-22 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: MO

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts that are being reported on my credit reports by several original creditors and at least one third-party collection agency for the accounts in question. 

In XX/XX/year>, TransUnion publicly disclosed a major data breach that exposed sensitive consumer financial data, including Social Security numbers, account numbers, and credit files. As a result, I have reason to believe the accuracy and integrity of these accounts may be compromised, misattributed, or unverifiable due to the breach. 

I submitted written disputes to the credit bureaus and the furnishers involved, demanding full reinvestigations under my rights outlined in the Fair Credit Reporting Act ( FCRA ) specifically Sections 609, 611, and 623 which require : Access to all data being reported about me A full reinvestigation when data is disputed The obligation of furnishers to provide accurate, verifiable information To date, I have not received proper verification or any documentation confirming that these accounts are valid, belong to me, and were unaffected by the data breach. Some accounts continue to report inaccurate balances or statuses. 

I am now escalating my complaint due to non-compliance and failure to follow federal dispute procedures.

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 2025-10-22 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: MO

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts that are being reported on my credit reports by several original creditors and at least one third-party collection agency for the accounts in question. 

In XX/XX/year>, TransUnion publicly disclosed a major data breach that exposed sensitive consumer financial data, including Social Security numbers, account numbers, and credit files. As a result, I have reason to believe the accuracy and integrity of these accounts may be compromised, misattributed, or unverifiable due to the breach. 

I submitted written disputes to the credit bureaus and the furnishers involved, demanding full reinvestigations under my rights outlined in the Fair Credit Reporting Act ( FCRA ) specifically Sections 609, 611, and 623 which require : Access to all data being reported about me A full reinvestigation when data is disputed The obligation of furnishers to provide accurate, verifiable information To date, I have not received proper verification or any documentation confirming that these accounts are valid, belong to me, and were unaffected by the data breach. Some accounts continue to report inaccurate balances or statuses. 

I am now escalating my complaint due to non-compliance and failure to follow federal dispute procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported by Kickoff to XXXX  and XXXX. 

Both credit bureaus are reporting contradictory and inaccurate details about my account. 
XXXX  reports the account as Paid, but still lists the status as Negative and shows XXXX  days late, even though no late payments are shown in the payment history. 
XXXX reports the account as Closed with a Negative status and also shows XXXX  days late, which is incorrect. 

They never reported to XXXX. 

The account was paid in full and has never been XXXX  days late. I have documentation from Kickoff confirming that the account is paid. 

I have already disputed this information with both credit bureaus, but it remains inaccurate. 

I am requesting that Kickoff and the credit bureaus verify and correct this inaccurate reporting or remove the negative information from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am writing to formally dispute an item that appears on my credit report. The entry from XXXX XXXX XXXX is inaccurate and does not meet the verification standards required under the FAIR CREDIT REPORTING ACT ( 15 U.S.C 1681i ). 
Upon reviewing my credit file, I found this item to be inaccurate and unverifiable. I am requesting that you conduct a thorough investigation and remove this account from my credit report unless XXXX XXXX XXXX can provide documented, verifiable proof that : They have a legal right to collect this debt, and The information reported is accurate, complete, and current. 

If XXXX XXXX XXXX can not verify this debt with proper documentation ( such as a signed original contract or detailed payment history from the original creditor ), the FCRA requires that this account be deleted immediately from my file.

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 2025-10-22 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
am writing to dispute and demand immediate removal of the accounts and/or tradelines listed below because they are the result of fraud/identity theft and are not mine. I did not open, authorize, or incur these accounts and I am the victim of identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) you must conduct a reasonable investigation, delete any information you can not verify as accurate, and prevent further dissemination of fraudulent information If you do not remove these fraudulent items within the time required by the FCRA, I will pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and pursuing civil remedies. I expect written confirmation of the results of your investigation. Immediately mark the above items as Fraud/Account not mine ( or similar ) and remove them from my credit file if you can not verify them as accurate directly with the original creditor.

Conduct a complete, reasonable investigation under the FCRA and delete any items you can not verify. If you verify any item, please provide mewith written documentationthe name, address and telephone number of the furnisher and copies of the documentation relied upon to verify the account. 
Send me a written notice of the results of your investigation and provide an updated copy of my credit report showing the deletion or correction of the fraudulent items. 
Remove all late payments off all accounts I demand it to be removed It was fraud And those inquiriesf XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT account and all late payments removed XXXX XXXX NA XXXX XXXX XXXX UT inquired on XXXX XX/XX/year> removed fraud NAVY FEDERAL CU XXXX XXXX XXXX va all late payments and account fraud removed XXXX XXXX XXXX XXXX XXXX tax account and all late payments removed INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX UT inquired on XXXX XX/XX/year> removed fraud XXXX XXXX XXXXXXXX XXXX DE XX/XX/year> removed fraud XXXX XXXX  XXXX XXXX DE XX/XX/year> removed XXXX XXXX XXXX XXXX DE XXXX XX/XX/year> Removed fraud data breach XXXX XXXX XXXX XXXX XXXX XXXX Removed All inquiries and all fraud from data breach removal immediately off my credit report please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 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 2025-10-22 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I opened an account with the Arvest Bank branch on XXXX XXXX XXXX XXXX in XXXX, Arkansas. XXXX weeks later, on Thursday, XX/XX/XXXX, I tried to withdraw money from an Arvest ATM which was unsuccessful. Furthermore, I was unable to log in to Arvest online banking, and was met with an " Error, please try again later '' message. I called Arvest and was informed by a woman named XXXX that my account had been closed. She refused to give me any further details, and was incredibly rude. I called once more and spoke to XXXX, who was far more helpful and kid, and who told me that the fastest way to receive an answer would be to visit the branch where I opened the account. I did this, and was met with further obfuscations. I eventually met with XXXX XXXX XXXX XXXX XXXX, who likewise couldn't provide me with a reason for why my account was closed. He insisted that the fraud team had deemed that the relationship between myself and Arvest was " not mutually beneficial '', but would not elaborate further as to what this meant. He gave me his card and told me that he would call later when he had more information. Over the weekend, I finally received notice through the mail that my account was being closed, though this too did not explain the reason for the closure. The following Monday, XX/XX/XXXX, I received a call from XXXX. I returned his call the next day, and asked me to clarify a discrepancy between my permanent address and the address on my drivers license. I explained that since I had moved recently, the address was not updated on the drivers license. I asked why they did not ask me to explain this discrepancy prior to de-banking me, but he claimed that this was not in fact the reason for closing my account. XXXX once against encouraged me to open an account with another institution, and once more refrained from accusing me of fraud, or any other crime that would make it fair for the bank to close my account. XXXX told me that he would not be helping me get any further information or details on the closure of my account. I was shocked by the deeply unprofessional way in which XXXX, and other employees at this branch handled me as a customer. Furthermore, I still have no explanation, which leads me to suspect some sort of political or religious motivations, which would be deeply illegal as per executive order XXXX, as well as the civil rights 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My money was stolen from me over XXXX I am XXXX and schizophrenic this is not right that my bank has not taken care of these unauthorized transactions this has made me suicidal. I did not catch someone stealing all of this money from me at the time I have all of the transactions and also the case numbers for the disputes. I really need my money back this is no joke at all. this made me want to hurt myself the fact that all of this money was stolen from me and my bank is not getting it back. I want my money that was stolen from me this is from. My account number is XXXX. The case numbers for my disputes are XXXX, and 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 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
At XXXX pm XXXX XX/XX/XXXX Phone : XXXX Who : synchrony Bank Account number : XXXX card : XXXX XXXX ( closed ) Transaction amount : XXXX My complaint is with synchrony Bank who did a transaction with XXXX of their lower tier credit card companies on a close account that is attached to XXXX 's Club. This is my complaint XXXXXXXX XXXX  knowly charged it XXXX dollars running the XXXXXXXX XXXX into the negative which had XXXX ( my complaint is not with XXXXXXXX XXXX  ) my problem is with synchrony bank for running transaction on a low balance in chase bank. After calling the number that it's associated with XXXX 's Club for this phantom transaction which is attached to synchrony Bank credit card division I spoke to an XXXX, first and then her his supervisor XXXX, and instead of fixing my problem they told me to call back or they will call me back in XXXX hours about this phantom transaction, also XXXX refused to use phone number that I was speaking from and refused to use an alternative. I asked for a supervisors then XXXX did not correct XXXX mistake instead she lean in with disrespectful speech arguing about my word choice using her banking technical jargon. All over a transaction that they could've fixed less than 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 2025-10-22 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
LVNV Funding LLC is reporting and attempting to collect a debt that has not been validated or verified as required by federal law. 

I previously submitted a written Debt Validation Request pursuant to 15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act ), asking LVNV Funding to provide proof of ownership, account history, itemized balance, and any signed agreement. To date, they have failed to provide any documentation showing that this debt is valid or that they have legal authority to collect or report it.

Despite that failure, LVNV continues to report this account to XXXX and other credit bureaus, marking it as a valid debt. This constitutes continued collection activity on an unverified account and violates both the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ).

I also disputed this account directly with XXXX and the bureau stated that LVNV verified the debt without producing supporting documentation. This is inaccurate and misleading. 

LVNVs conductcontinuing to report, collect, and verify a debt without validationhas caused ongoing harm to my credit reputation and financial standing. I am requesting that the CFPB review this matter and compel LVNV to comply with all applicable consumer protection laws.

Company response to consumer: Closed with explanation