vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Around XXXX and I was not informed until XXXX XXXX months. I had a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I had set up by banck account on there profile to make my payments. I did it and XXXX  months later they charged me with {$700.00} for late fees. When I called they said my bank had rejected the payment. I called the bank they verified that nothing had come through from them. I call the creditor and it took me multiple phone calls until we could figuer out he problems. At this time the account was closed and I verified the account information and submitted a payment with the rep on the phone to verify that it went through. I told the I would be making payment that was and she said it was fine. 

Today XX/XX/year> at around XXXX I called and asked if there was any program available to help me with paying off the account. The account is closed, more than half of the payment is going to interest, how is it that they want me to pay off the account. I downloaded the statement. And I tried to reopen it, it was deleted and tried logging in to the account and I couldn't.

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 2025-05-29 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: NV

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX and block the following accounts from my credit report Accounts XXXXXXXX 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 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 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

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: WI

Complaint narrative:
I am writing to formally report and dispute a wrongful repossession of my vehicle on XX/XX/year>, despite my good-faith payment and assurances from your representative that no such action would be taken. 

On XX/XX/year>, I contacted your office to make a payment on my vehicle loan. I was informed that my outstanding balance was approximately {$1500.00}. I explained that I could immediately pay {$1000.00} and asked if the remaining balance of {$540.00} could be deferred to a later date. Your representative explicitly assured me that this arrangement was acceptable and that my vehicle would not be repossessed as long as I made the {$1000.00} payment. 

Trusting this verbal agreement, I proceeded to make the {$1000.00} payment via card. Approximately 45 minutes later, I exited a local store to find that my vehicle was gone. I called the police and my insurance provider. I then contacted your office again, where I was initially told there was no record of a repossession. After further insistence and clarification, I was told that the vehicle had, in fact, been repossessed by a third-party tow company. 

This contradiction and miscommunication from your company left me stranded without transportation, and worse, without access to my prescription medication, house keys, garage remote, work laptop, ID badge, and other personal and professional belongings. Your agent acknowledged the situation and apologized, but informed me I would need to wait until Friday, XX/XX/year>, to retrieve my vehicle because the third-party company had closed for the day. I was later told I could retrieve my vehicle on Friday, XX/XX/year> a clear mistake in dates that added to my frustration and concern. 

This incident represents a serious breach of trust and professionalism. I acted in good faith and upheld my end of the agreement. Your representatives assurances, followed by the subsequent repossession, amount to a wrongful repossession and possible violation of consumer protection laws, particularly if my personal property was not properly safeguarded or returned. 

I respectfully request the following : Immediate return of my vehicle and all contents. 

A full investigation and explanation for the wrongful repossession. 

Written confirmation that this event will not negatively impact my credit report or loan status. 

Reimbursement for any costs I incur ( transportation, locksmith services, lost wages, etc. ). 

A written apology and confirmation of procedural changes to prevent this from happening again. 

If this matter is not addressed promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general and will consult legal counsel to explore further action. 

I expect a written response within 12 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IN

Complaint narrative:
This letter serves as a formal dispute and a demand for immediate explanation regarding Discovers decision to abruptly close my account on XX/XX/XXXX, under the vague and unsubstantiated claim of past or present delinquency. This action is not only unjustifiedit reeks of retaliation. 

Lets be very clear : Discover had multiple opportunities to close my account during XXXX, a period when my account was, in fact, severely delinquent and months behind. You knowingly chose to keep the account open during that time. Now, after I have taken the necessary steps to get back on track and make consistent, on-time payments, you decide to shut the account down? The timing is more than suspiciousits punitive. 

Your own reporting to the credit bureaus shows that you conducted only XXXX account reviews, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. During my actual period of delinquency in XXXX, there was no action taken and certainly no closure. Why was my account allowed to remain open when I was at my lowest point, only to be shut down now that I am compliant and current? 

Even more telling is that this account closure occurred immediately after I submitted XXXX complaints to the Consumer Financial Protection BureauXXXX on XX/XX/XXXX, and another on XX/XX/XXXX, XXXXregarding Discovers handling of my account. This sequence of events can not be ignored. The account closure appears to be direct retaliation for exercising my right to hold your company accountable through proper regulatory channels. 

I am demanding a detailed explanation in writing : Why my account remained open throughout XXXX despite being significantly delinquent. 
Why it was only closed in XX/XX/XXXX, during a period of on-time payments and improved financial standing. 
What internal rationale or policy change suddenly justified this decisioncoincidentally after CFPB complaints were filed. 
Make no mistakeI will be escalating this matter. In addition to following up with the CFPB, I will also be reaching out to the Attorney General in my state, as well as any other appropriate regulatory or legal entities. If Discover believes it can retaliate against customers for speaking up, it is severely mistaken. 

I expect a full, transparent, and timely response. If you choose to remain silent or hide behind vague policy statements, it will only further validate the retaliatory nature of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CO

Complaint narrative:
I recently reviewed my report and noticed that an account was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my credit report to this complaint on the following dates ( XXXX, XXXX, XXXX, XXXX and XXXX of 2024 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action as usual.

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 2025-05-29 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 am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX and block the following accounts from my credit report Accounts XXXXXXXX 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 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 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

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I submitted a written dispute to Portfolio Recovery regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
Equifax stated that the company provided further documents to account for the account reporting on my credit report as a charge off. I have not received anything from the company to support the account reporting. I am requesting the account be removed due to not being able to establish permissible purpose according to 1681 ( b ). I am not denying the account being mine. I did open the account however the status of being a charge off is incorrect and the amount that is present is inaccurate. I am requesting a reinvestigation. IRS documentation should be provided to account for this account being labeled as a charge off to show what was charged off. I did not receive any notifications of having a balance with this company. Please get a breakdown of all fees and what the balance consist of that they are stating I owe. If not. Remove this account completely for being unverifiable. Account in reference : XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint due to Jefferson Capital Systems failure to properly submit a deletion request for a tradeline that was previously agreed to be removed. Despite Jefferson Capitals confirmation that they submitted a deletion request to XXXX, the tradeline remains on my credit report indicating that XXXX  failed to act on the request and update my file accordingly.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under the following provisions : FCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

FCRA 611 ( a ) XXXX  failed to properly investigate and correct inaccurate or outdated information upon receiving notice from both myself and the furnisher ( Jefferson Capital ).

FCRA 623 ( a ) ( 2 ) ( A ) Jefferson Capital was required to update and correct the information it reported to XXXX, including marking it for deletion if necessary. 

I contacted XXXX  directly on XX/XX/year>2025, in a 22-minute phone call ( screenshot attached ), and they confirmed that they had not received a deletion request from Jefferson Capital as claimed. This call was part of my good-faith effort to resolve the issue through proper dispute channels, and their failure to act constitutes negligence under the Fair Credit Reporting Act ( FCRA 611 ). This raises serious concerns of negligence or willful noncompliance from one or both parties, which has resulted in continued damage to my credit profile.

As a result of this unresolved inaccuracy, I may be entitled to statutory damages under FCRA ranging from {$100.00} to {$1000.00} per violation, or actual damages plus punitive damages in the case of willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
XXXXXXXX XXXX has bought my loan a year ago. They have been having problems removing my payment with their automated system since then. I already paid them but just clicking on my bank on XXXX XXXX website. They are saying there is an issue with my account! They also charge me late fees and other charges which I believe that is a fraud than anything else. 
I have more than XXXX accounts that they all on the automated payment ( my credit cards bill, utilities and so on ). I have had no issue with any XXXX last at least XXXX years which I could provide my bank accounts and credit report. 

I believe there is an issue with their website or that is a way to charge extra otherwise there is no reason that my autopayment won't work with them but works with other mortgage and accounts that I have. 
I will now pay from my bank through my bank XXXX XXXX to prevent anymore issues, but my main concern is they have reported a month late to my credit report. I can't get hold of anyone regarding this issue after hours on the phone, and they want me to just send an email to them. I have but just denied with no explanation. 
It is a scam than late charges to a customer for their own mistake. All I need at this point to remove false report on my credit report please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
Subject : Dispute of XXXX Account Due to Conflicting Statuses and Re-aging Dear CFPB I am formally disputing the accuracy and legality of the XXXX account reporting under my profile. This account violates multiple provisions of the FCRA, specifically : 607 ( b ) Data must be accurate and complete 611 ( a ) Right to dispute unverifiable information 605 ( c ) Prohibits re-aging of accounts older than 7 years from delinquency The account shows conflicting statuses across credit bureaus with one bureau reporting Charged Off and another listing Paid, was a Charge-Off. This contradiction makes the data unverifiable and inaccurate by federal standards.

Additionally, the last activity on this account occurred in 2020, yet it is being artificially updated to appear recent a known tactic of illegal re-aging, which is expressly prohibited under the FCRA. 

I demand an immediate reinvestigation. If XXXX can not provide signed, timestamped, and fully authorized proof of debt ownership and validation, including original account terms, the account must be permanently removed from my credit file. 

Please confirm deletion

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 2025-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hi, Im writing because I woke up to this error on my account and have been trying to figure out what happened. Ive been a loyal member for well over a decade and have never had any issues or problems.

In all the time Ive had the account, Ive never had a complaint or resolution center needing to be involved. My account has been used to make purchases and receive rewards and rebates. I have never had any payment chargebacks or under review. I dont understand why my account is being limited, not to mention my funds frozen for up to 3 months?!

I would seriously appreciate it if you could review my account and restore it back. I have not violated any of your terms and conditions. I would appreciate you to review and restore my account within 72 hours or I have no choice to file a formal complaint to the oversight authorities.

Please respond and let me know asap. Thanks

Company response to consumer: Closed with explanation