vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On or around XX/XX/year>, I charged {$6000.00} from XXXX XXXX under an XXXX deferred interest plan. Well in advance of the expiration of this plan, and in an effort to settle this matter, I contacted Synchrony to obtain the amount necessary to pay this bill in order to avoid the imposition of interest that would have been imposed at the end of the XXXX - month period. Following that instruction and after, I spent hours with various Synchrony staff, including the Office of the President, in an effort to resolve this matter and to no avail. I was told that the interest had already been assessed in an apparent blatant violation of this program. My husband, XXXX XXXX, acting on my behalf and with a Financial Durable Power of Attorney which I granted to him and known to Synchrony, filed two Complaints with the CFPB and after a protracted period of time, Synchrony refused to respond.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently submitted my payments on time, and any errors in this reporting are unfair as well as unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I signed up for SoFi Plus Investing product ( https : //www.sofi.comXXXX  ) and have had a recurring Buy of an ETF for over a month. That recuring buy ( {$200.00} per week ) of {$1000.00} over 5 weeks should have resulted in {$10.00} credit added to my SoFi account, but after it did not, I reached out to SoFi support and they said that the recurring buy that automatically pulled from my Savings account did not qualify as a " recurring deposit '' because it was not set up through a specific form that was called " recurring deposit ''. It is important to note that the " recurring buy '' automatically ACH transferred from my other Savings account and was technically and practically a " recurring deposit '' by anyone 's reasonable interpretation of the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I lost my job and fell behind on my payments, its been a struggle to live right now and I cant even provide for myself at the moment. I need my credit score back to how it was so I can get my life back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XX/XX/year>XXXX   and my vehicle loan with JD Byrider/CNAC was included in the discharge. Despite the discharge, CNAC repossessed my vehicle on XX/XX/year>XXXX  without proper notice or explanation of my rights. When I contacted CNAC to inquire about retrieving my vehicle on XX/XX/year>, they refused to provide any information in writing. They demanded {$1400.00} via XXXX to return the car, claiming it did not require reaffirming the loan. This is highly suspicious because : ( 1 ) XXXX is an irreversible payment method, leaving no paper trail or protection for the consumer. ( 2 ) They refused to confirm the terms in writing, which is a red flag for fraud/exploitation. ( 3 ) They pressured me to act immediately, stating the car would be moved to auction if I waited to pay until my paycheck came through next week. This urgency is a classic tactic to prevent consumers from seeking legal advice or understanding their rights. 
CNAC appears to be violating federal consumer protection laws and bankruptcy laws, including : ( 1 ) Fair Debt Collection Practices Act ( FDCPA ) : Attempting to collect on discharged debt is illegal. ( 2 ) Bankruptcy Code Violations : Repossessing a vehicle without proper notice or attempting to collect on a discharged debt violates the bankruptcy discharge order. ( 3 ) Unfair or deceptive Acts or Practices ( UDAP ) : Their refusal to provide written documentation and use of high-pressure tactics may violate federal and state consumer protection laws.

I request that the CFPB investigate JD Byrider/CNAC for their predatory practices. I would like the CFPB to hold JD Byrider/CNAC accountable for their actions, and if applicable, require them to provide restitution for their exploitative behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nationwide Capital Services, LLC
State: TN

Complaint narrative:
I am currently enrolled in a XXXX XXXX XXXX with XXXX XXXX XXXX. XXXX of the accounts in my program was originally from XXXX ( XXXX Bank ) and was later sold to Nationwide Capital Services LLC. 
A company called XXXX XXXX ( XXXX ) has been repeatedly calling me, my spouse, and my workplace regarding this same debt over 40 times in the past month. They have left multiple voicemails referring to a bad check and threatening to hold me accountable according to our laws and add fees and fines. 
This is misleading and intimidating. This debt originated from a line of credit, not a check, and I have never written a physical check for this account. I have also informed my debt resolution company of these calls. 
I believe this behavior violates several provisions of the Fair Debt Collection Practices Act ( FDCPA ) including harassment, false threats of legal action, and false representation of a debt as a criminal matter. 
I am requesting that the CFPB investigate this matter and require the collector to cease direct contact with me, my family, and workplace.

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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I was contacted by Syncom Corp claiming I owe {$5000.00} to XXXX XXXX XXXX. I have not lived at XXXX XXXX XXXX since XXXX, and my credit report shows this account was closed on XX/XX/XXXX. 

I requested verification in writing, but they have not provided it and continue to call and email me. I believe this may be a fraudulent or deceptive debt collection attempt. 

Attached also are the verification letter I emailed Syncom Corp via email as was given via phone : Csr @ syncomcorp.net and my XXXX XXXX report that confirmed said debt was settled in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
To TransUnion, I respectfully submit this dispute as a consumer striving to rebuild my credit responsibly. I request a fair review of the items below. Some may contain errors or outdated information, and I ask for reinvestigation under FCRA 611 ( a ). 

Charged-Off Accounts in Dispute : XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX  Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: TX

Complaint narrative:
I am submitting this formal complaint concerning several negative items that continue to appear on my credit report even after multiple dispute attempts. These entries have not been properly corrected or removed, which raises questions about the accuracy and integrity of the information being reported. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), credit reporting agencies are legally obligated to conduct a thorough reinvestigation whenever a consumer disputes information. If the data can not be fully verified, it must be corrected or deleted from the report. Furthermore, 15 U.S.C. 1681e ( b ) requires that all information furnished to the credit bureaus be maintained with the highest level of accuracy possible.

Despite these legal protections, the remaining negative items on my credit report suggest a failure to comply with federal requirements. The continued reporting of unverified or inaccurate information is misleading and causes unnecessary harm to my credit standing. I am requesting an immediate and complete reinvestigation of all remaining disputed accounts to ensure their accuracy and legitimacy. 

If the credit bureaus or furnishers are unable to provide certified evidence from the original creditors verifying the accuracy of these items, they must be deleted immediately. Retaining unverifiable or incorrect data is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Cease and Desist & Debt Validation Request Pursuant to 15 U.S.C. 1692c ( c ) and 1692g Dear National Credit Systems, This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease all communication with me regarding the alleged debt you claim I owe and provide proper validation of that debt.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease all further contact with me, my family, or my place of employment concerning this matter. You may only contact me to : 1. Confirm that collection efforts are being terminated ; 2. Notify me that specific legal remedies may be invoked ; or 3. Notify me that you intend to invoke a specific legal remedy.

In addition, under 15 U.S.C. 1692g, I dispute the validity of this alleged debt and request that you provide full verification and documentation supporting your claim. This includes, but is not limited to : * The name and address of the original creditor; * The amount of the alleged debt and an itemized statement ; and * Documentation bearing my signature or evidence that I am legally responsible for the debt.

Until such validation is provided, you must cease all collection efforts and report this debt as disputed to any credit reporting agencies to which you have furnished information.

Be advised that failure to comply with these requests may constitute violations of federal law and could result in legal action seeking statutory damages, actual damages, and attorneys fees as authorized by 15 U.S.C. 1692k.

Please respond to this notice in writing within 30 days confirming that you have ceased communication and are providing the requested validation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Around XX/XX/year>, I was contacted by a debt collector claiming that I owed a balance to XXXX XXXX XXXX. I immediately informed the caller that this was impossible, as I am up to date with all my XXXX XXXX XXXX payments and have never had an outstanding balance with them. 

After the call, I contacted XXXX XXXX XXXX  customer service directly to confirm the status of my account. XXXX XXXX XXXX verified that I had no balance due and no record of any account being sent to collections. Based on that confirmation, I reasonably assumed the call I received was a scam and took no further action. 

However, I recently checked my credit report and discovered that a collection account related to XXXX XXXX XXXX has been reported. This information is false, and I believe it is the result of either identity theft or an internal error by XXXX XXXX XXXX or the collection agency. 

This false report has negatively affected my credit score, and I am requesting that the CFPB investigate this matter. I would like the false collection to be removed from my credit report immediately and for XXXX XXXX XXXX and the collection agency to provide proof of the alleged debt, including any account details, signatures, or documentation that connect me to it.

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 2025-10-31 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
I am a victim of identity theft, there is someone pretending to be me, I am a single mother of XXXX trying to make it through these rough, I have No knowledge of this, My Social Security and other information was exposed in the Equifax data breach and I have never recover since then, I was informed that my information is being sold on the XXXX web and there is nothing I can do about that, I never a car through XXXX  XXXX, I dont shop at XXXX XXXX and never did any business with XXXX XXXX XXXX , Im demanding that this fraudulent accounts that is reporting this information be block and remove pursuant to section 695B 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 explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Can you go through this record again? Its delayed and possibly erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: VA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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