vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought something off XXXX market and I paid through paypal and never got the product. I requested the seller to provide the shipping number but they weren't able to provide anything. Despite my immediate refund request.

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 2025-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TESORO FINANCIAL, LLC
State: TN

Complaint narrative:
Entity : Solutions Finance XXXX XXXXXXXX ( Solutions Finance of XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What Happened This complaint concerns a deceptive, unsworn debt-collection lawsuit filed under the caption Solutions Finance XXXX XXXXXXXX ( case XXXX ) by XXXXXXXX XXXX XXXX 
The firm used multiple names, addresses, and identifiers to pursue collection without jurisdiction or standing, mirroring the earlier XXXX XXXX XXXX XXXX case ( XXXX ). 

Timeline : XX/XX/XXXX XXXX XXXX  announcement ( Solutions Finance XXXX XXXX is merging with XXXX XXXX XXXX XXXX ). 

XX/XX/XXXX XXXX Welcome Packet from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX issued the same day the other civil summons was filed against me. 

XX/XX/XXXX XXXX Registered mail debt-validation demand ( XXXX ) delivered XX/XX/XXXX ; no response from Solutions or XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX Defective civil summons pre-stamped Filed before service, captioned Solutions Finance XXXX XXXX, missing sworn affidavit and business records. 

XX/XX/XXXX XXXX XXXX served summons ; hearing set XX/XX/XXXX XXXX ( XXXX  days later ). 

XX/XX/XXXX XXXX Clerk email confirmed no return of service on file. 

XX/XX/XXXX XXXX Plaintiffs counsel still failed to provide validation or proof of standing. 

Violations : FDCPA 1692g, 1692e ( 2 ) ( A ), 1692f ( validation, misrepresentation, unfair means ) T.C.A. 24-5-107 ( no sworn account creates no prima facie case ) Tenn. R. Civ . P. 12.02 ( 5 ) ( insufficient process ) Tenn. R. Civ . P. 17.01 ( no real party in interest Solutions Finance XXXX XXXX not a registered entity ) Tenn. Const. Art. I 8, 18 ( due process rights and freedom from imprisonment for debt ) Adoption by Reference : I adopt and incorporate by reference Exhibits AK filed by co-defendant XXXX XXXX XXXX in this same case ( XXXX ). These include the defective summons, clerk emails, merger and entity records, registered mail logs, and XXXX printouts linking XXXX XXXX XXXX to both entities. Copies are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I made a dispute and was told that I needed to take a selfie with my debit card, picture of my ID and a sheet they sent me with my signature within XXXX business days and upload it to receive provisional credit. I sent everything they asked for within the time frame they gave me but didnt receive provisional credit which is a violation of Regulation E. It has been well past the deadline and every time I call they keep telling me they escalated the problem and to wait XXXX days with no resolution or update. I am requesting that the CFPB ensure Credit Karma Money and its bank partner comply with Regulation E by issuing the provisional credit immediately or providing a written explanation for the delay. 
Account type : Credit Karma Money XXXX  ( debit card ) I can provide proof of my dispute, document submission dates, and communications upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-08 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
I am senidng to formally dispute several accounts that appear on my credit report, as I have found discrepancies that do not accurately reflect my true payment history or account activity. I take my financial responsibilities very seriously and have always made an effort to maintain transparent and accurate records. Upon review of my credit file, I discovered multiple accounts that appear to contain inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, I have the right to dispute any information in my credit file that I believe to be incomplete or inaccurate, and I am exercising that right with this letter. The presence of these reporting errors has caused unnecessary stress and could potentially damage my creditworthiness and financial reputation. As outlined in FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of all information they report. 

XXXX 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 Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a formal complaint against Equifax and TransUnion for willful non-compliance and illegal reinsertion of a fraudulent account after it was already verified as inaccurate and removed by another credit bureau. 

The XXXX XXXX XXXX account # XXXX was rightfully DELETED from my XXXX credit file as of XX/XX/year>, after I proved it did not belong to me. However, Equifax and TransUnion continue to illegally report this same account that has already been established as fraudulent. 

This constitutes a clear pattern of willful non-compliance under FCRA 1681n and illegal reinsertion under FCRA 1681i ( a ) ( 5 ) ( B ). The fact that one major bureau has confirmed the inaccuracy while others refuse to correct it demonstrates reckless disregard for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
b'I am submitting this formal follow-up to dispute several inaccurate, incomplete, and unverifiable items that continue to appear on my credit report. Despite my previous dispute submission, these entries remain unresolved, uncorrected, or improperly verified. Upon a thorough review of my credit file, I have determined that certain items are being reported inaccurately or without sufficient validation, in direct violation of the Fair Credit Reporting Act (FCRA).\n\nThe FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 (15 U.S.C. 1681i), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 607(b) (15 U.S.C. 1681e(b)), credit reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of the information they report. Additionally, under FCRA 623(a)(1)(A), furnishers of information are prohibited from reporting data they know or should know to be inaccurate or misleading.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
b'I am submitting this formal follow-up to dispute several inaccurate, incomplete, and unverifiable items that continue to appear on my credit report. Despite my previous dispute submission, these entries remain unresolved, uncorrected, or improperly verified. Upon a thorough review of my credit file, I have determined that certain items are being reported inaccurately or without sufficient validation, in direct violation of the Fair Credit Reporting Act (FCRA).\n\nThe FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 (15 U.S.C. 1681i), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 607(b) (15 U.S.C. 1681e(b)), credit reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of the information they report. Additionally, under FCRA 623(a)(1)(A), furnishers of information are prohibited from reporting data they know or should know to be inaccurate or misleading.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 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: CA

Complaint narrative:
I have previously disputed these accounts through XXXX online and electronic dispute channels, as well as directly with the furnishers. Despite providing evidence that these accounts are closed, charged off, and reflect a {$0.00} balance, TransUnion continues to report them with negative payment history and balance information. 

This reporting is both inaccurate and misleading and violates several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days after receiving notice of dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of obsolete or misleading information pertaining to accounts that are no longer valid or collectible. 

Under FCRA, TransUnion has an affirmative duty to ensure that all reported data is accurate, complete, and verifiable. When a debt has been charged off and sold to a collector, the original creditor must report a {$0.00} balance, and the debt should not continue to show active delinquencies or past due balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 submitting this complaint to dispute several discrepancies on my report. During a recent review of my credit report, I discovered several discrepancies that are causing me both confusion and concern, and I am formally disputing these items under the rights granted to me by the Fair Credit Reporting Act ( FCRA ). 
First, I have identified multiple charge-off accounts that appear inaccurately on my report. Specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either disputed or were previously settled, and I am requesting that the XXXX account in particular be handled using a 1099-C procedure, as this may affect the reporting of a forgiven debt. I further request these accounts be investigated under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update and FCRA 623 ( b ) Furnishers Duty to Investigate, to ensure all information reported is accurate, complete, and up-to-date.

Additionally, there are several accounts that are marked as charge-offs but have a XXXX balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting these as charged-off accounts is misleading and inconsistent with the actual account status. I request that these inaccuracies be corrected immediately in compliance with FCRA 611 Consumer Dispute Rights, which obligates credit reporting agencies to conduct a reasonable investigation of disputed information. 
I have also discovered a collection account that appears inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} * * I do not recognize this debt as valid, and I am requesting that the collector provide verification of this account as required under FCRA XXXX XXXX a ) ( XXXX ) Obligation to Report Accurate Dates of Delinquency. 
Finally, I am disputing several inquiries that were recorded without my explicit authorization or permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are affecting my credit standing and may not meet the permissible purpose requirements under FCRA 604 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have already filed a complaint for the month of XXXX leading to XXXX over the issue of late release note of my vehicle after payment payment was fulfilled and finalized documented and screenshot and put in my XXXX XXXXXXXX files for insurance of my safety. After finally getting my vehicle after a month of waiting, they send me a XXXX day late reposition bill fee.Notice which is a error on their end since they did not invoice that with the total finalize of payment to retrieve vehicle back, pay off the full sum amount plus all repossion fees and ect that apply this is an issue because it took a month in order to just wait for them to send the release notice to get my vehicle.And now i'm in distraunt because they can withhold my title because of an error on their end. I did, as I was asked, I paid the amount that I was told to pay, and now they're adding more this is an ongoing issue.This bank lender is admitting to an internal error ( they " forgot '' to send an invoice, which is their problem, not yours, especially if you have a payoff confirmation ) .This letter is a formal dispute regarding a billing error on my auto loan account, which was paid in full on XX/XX/year>. 
The balance on this account is {$0.00}. Despite this, I have received a new bill for a " [ Name of the fee ] '' in the amount of " XXXX XXXX XXXX XXXX  ''. 
This fee is illegitimate. I have attached a copy of my payoff confirmation screenshot showing a XXXX balance as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
The debt was discharged due to the company filing bankruptcy. XXXX XXXX XXXX is garnishing my living wages that are no longer owed to XXXX XXXX. I recieved a letter shortly after I was taken to court for this debt, stating that I no longer owe any money on this debt, due to the discharge through bankruptcy. I spoke to the lawyer representing this debt and stated the above. This debt was from over XXXX  years ago. XXXX XXXX XXXX and XXXX in XXXX XXXX, XXXX, are currently garnishing my wages. I was making paymentspayments on this debt until I recieved the above stated letter from XXXX XXXX. The amount they are garnishing includes attorney fees and court costs so the total amount is close to double what I actually owed after the payments I had already made on the debt. The total amount to be garnished is {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because inaccurate and unauthorized information has been reported to my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The inclusion of a wrong address, false account activity, and an unauthorized inquiry has caused substantial damage to my creditworthiness, financial reputation, and personal credibility. These errors have created misleading impressions that do not accurately reflect my identity or payment history. 

XXXX XXXX Opened XX/XX/XXXX {$230000.00} Late Payment Unverified late payments remain with no proof of delinquency. Reporting false data violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$41000.00} Late Payment No verification of late payment provided. Violates FCRA 607 ( b ), 611, and 623 ( a ) ( 2 ). 

XXXX XXXX Opened XX/XX/XXXX {$7300.00} Charge Off Charge-off not validated or documented. Violates FCRA 607 ( b ), 611, and FDCPA 809 ( b ). 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$29000.00} Late Payment Repeated late payment entries are unverified. Violates FCRA 607 ( b ), 611 ( a ) ( 5 ), and 623 ( a ) ( 2 ). 

XXXX XXXX XXXX Inquiry XX/XX/XXXX Unauthorized inquiry with no permissible purpose. Violates FCRA 604 ( a ). Must be deleted. 

XXXX XXXX XX/XX/XXXX No consent or permissible purpose. Violates FCRA 604 ( a ) and 604 ( f ). 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized access. Violates FCRA 604 ( a ). Must be removed. 

I respectfully request that the Consumer Financial Protection Bureau fully investigate these violations and ensure that all incorrect, unverifiable, and unauthorized information is permanently deleted from my credit file. I also request that the involved partiescredit bureaus and data furnishersprovide proof of verification, consent, and reporting compliance in writing. I expect prompt corrective action and accountability in accordance with the FCRA and FDCPA.

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