vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
I am a consumer disputing the accuracy and completeness of the following information on my Equifax credit report. I request an immediate investigation into the following items, as I believe them to be incorrect or incomplete. 

CHARGED OFF : No charged off accounts reported. 

INQUIRIES : XXXX, XXXX : I request a thorough review of this inquiry. If it can not be verified or tied to any open accounts, I request it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

POSITIVE ACCOUNTS : No positive accounts listed. 

LATE PAYMENT : XXXX Account Number XXXX : This late payment is disputed. I request verification of this information. If it can not be verified or is found to be inaccurate, I request it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank I paid my account off on XX/XX/year> in the amount of {$6400.00}. Then, on XX/XX/year> the company charged me interest in the amount of {$120.00}. I contacted them to get a payoff amount, and I couldn't get one. I paid the interest amount that they charged me after I paid the card off online and could not get confirmation from them that they wouldn't continue to charge me even though I paid the card off twice.

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 2025-11-06 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: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint because two Jefferson Capital Systems accounts are being reported on my credit report that I have no knowledge of. The accounts are : JEFFERSON CAPITAL SYST Account # XXXXXXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/year>XXXX  JEFFCAPSYS Account # XXXXXXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/year> I have never opened or authorized any account with Jefferson Capital Systems. These appear to be inaccurate or duplicate collection accounts. I am requesting that the CFPB investigate this issue and ensure the furnisher provides proof of ownership and validation of the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered on my credit report as of XX/XX/year>. I have identified several accounts that do not belong to me and appear to have been opened or reported without my authorization. 

I am requesting an immediate investigation and removal of the following accounts from my credit file : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX. ) Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX I want to clarify that none of the accounts listed above are mine, nor have they ever been opened, used, or authorized by me. Therefore, I respectfully request that these fraudulent accounts be investigated and deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Mortgage online auto draft system has proven to be unreliable. When attempting to setup auto draft, the system was failing to pull my payment. When contacted about this, Regions Mortgage blamed my bank or my entries. We thought things were resolved, they were not. A late payment was missed, they waived the late fee acknowledging the issue was on their side, but they still put a bad mark on my credit. I asked for a reversal, they refused. Later, their system did not work again, we did a 3-way call with my primary XXXX, XXXX and them. It was determined on that call the issue was on THEIR side. THey still refuse to accept responsibility or to fix my credit marks. The system then failed AGAIN this week, they took the same stance. They are operating in bad faith and blaming customers for their dated, ineffective and buggy online interface. Please help me.

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 2025-11-06 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: PA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PayTomorrow, LLC
State: CO

Complaint narrative:
On XX/XX/year> I logged into my account to make a payment and there is no way to see the outstanding balance or even past payments made.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I secured a home equity loan and received funds to do a debt consolidation. On XX/XX/XXXX I mailed a check to XXXX XXXX XXXX/ Synchrony along with my statement and ask them to pay my account off. Along with the check I included my monthly statement which included my account information name and payment amount. Despite including the statement HSN returned the uncashed check along with my statement and has continued charging my account interest They informed me with a letter that they did not know who to credit the payment to or how much they should pay. I believe the information included with my payment should have been sufficient for them to properly credit my account. I have half a dozen Synchrony accounts and paid all of them off in XXXX and none had an issue crediting my account properly but HSN has refused to accept the payment. The payment came directly from XXXX XXXX XXXX XXXX who handled my closing and HSN sent the check back to them and then they sent it back to me. Si I sent it again XX/XX/XXXX. In the meantime HSN continues to charge me interest. I mailed the second check on XX/XX/XXXX and the second check has still not been credited to my account. Along with the second payment I included a note stating that I wanted the account paid off and I provided my phone number along with a copy of my statement but they still not have applied the payment. I live in XXXX TX and the payment went to XXXX Texas so it should have been applied within a day or two. Can you please help me resolve this matter with synchrony as I feel that they are unfairly charging interest on this account that should have been paid off in XXXX? I also feel that they should have to reimburse me for the interest that they charged in XXXX which came to the amount of {$45.00}.

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 monetary relief
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
I am disputing the reporting of this account as a charged-off debt. I request that Equifax verify the accuracy of the account details, including the status and balance. Should this account be found to be inaccurately reported or unverifiable, I respectfully request the complete removal of this account from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) regarding the requirement of accuracy in credit reporting. 

Charged Off Accounts XXXX ( Account XXXX. XXXX ) - Date : XX/XX/year>, Balance : {$1700.00} Late Payments XXXX XXXX XXXX ( Account No. XXXX ) XXXX XXXX ( Account XXXX. XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-11-06 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: Self Financial Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a derogatory account reported by SELFINC/LEAD on my credit report with XXXX. The account was opened on XX/XX/XXXX, as a secured revolving credit card with a credit limit of {$500.00} and a high credit of {$570.00}. It is currently reported as Charged off as bad debt, Profit and loss write-off, and Unpaid balance reported as a loss by the credit grantor, with a payment status of Collection/Chargeoff. The balance is listed as {$160.00}, and the past due amount is also {$160.00}. The last payment was made on XX/XX/XXXX, and the account was last reported on XX/XX/XXXX. 
I believe this reporting is inaccurate and potentially misleading for the following reasons : The account is listed as charged off and written off as a loss, yet still shows a full past due balance. This may violate the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 
There is no indication of whether the debt has been sold, settled, or remains collectible, which creates confusion and undermines the completeness of the reporting. 
T

he monthly payment is listed as {$0.00}, which is inconsistent with the nature of a revolving credit acco unt and may suggest the account is inactive or closed. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the rig ht to dispute any information that is inaccurate, incomplete, or unverifiable. Credit reporting agencies are required to conduct a reasonable reinvestigation and remove any data that can not be verified within 30 days. 
Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate. If the reporting of this account violates these provisions, it must be corrected or removed.

I respectfully request that this account be thoroughly investigated and removed from my credit reports if it can not be verified with accurate and complete documentation. I am exercising my rights under federal law to ensure the integrity of my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Im reaching out because I need help resolving an issue with a credit account thats showing up under my name, but its not mine. 
The account in question is : Creditor : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, DE XXXX Date Opened : XX/XX/year>XXXX  Balance : Around {$5400.00} I was listed as an authorized user, but I never had access to this account, never used it, and never agreed to be added. Im not the original owner, and I shouldnt be held responsible for it in any way. This is seriously affecting my credit and I need it removed immediately. Ive tried resolving this through the credit bureaus, but its still showing up. Im hoping you can help get this corrected once and for all. I HAVE ALSO ATTACHED THE CREDIT REPORTS SO YOU CAN REVIEW THEM AND SEE HOW THIS IS ON LY ON EQUIFAX AND HOW ALSO THAT THE OTHER BUREAUS DO NOT HAVE IT Thanks so much for your time and support!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
This is a formal dispute and demand for validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX XXXX, the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and applicable Georgia law. Jefferson Capital Systems is reporting the above-referenced account as a collection/debt buyer account. I hereby dispute this account in its entirety. Required Validation You must provide the following within 30 days : Original Contract / Wet Signature A copy of the original contract bearing my wet ink signature, showing I created this obligation. Proof of Assignment / Chain of Title Complete chain of assignment from the original creditor to Jefferson Capital Systems. All bills of sale and transfer agreements proving you legally own or were assigned this debt. Itemized Accounting A full breakdown of the alleged balance, including principal, interest, late fees, and any other charges. Proof of Licensing Documentation proving Jefferson Capital Systems is licensed and authorized to collect debts in the State of Florida, including license number, issuing authority, and active status. XXXX XXXX XXXX XXXX that you are legally permitted to furnish this information to XXXX XXXX or XXXX while the account is in dispute in compliance with XXXX XXXX. XXXX. Notice to XXXX XXXX Until you produce full and proper validation, you must : Cease all collection activity. Cease all reporting to the credit bureaus. Remove this account from my credit file immediately. Any continued attempts to collect or report without validation will constitute willful violations of FDCPA and FCRA, subjecting Jefferson Capital Systems to statutory damages, actual damages, attorneys fees, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 2025-11-06 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:
I am formally disputing the accuracy of the following account reported on my credit file. The account listed below is believed to contain incorrect or incomplete information, and I respectfully request a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ), Section 609. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint because Experian, XXXX XXXX XXXX  are reporting multiple inaccurate and/or unverifiable collection accounts that are negatively impacting my credit. These accounts appear to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Despite my prior disputes, the credit bureaus have not provided sufficient validation or proof of the accuracy and ownership of these debts, and the accounts continue to report in error. 
Disputed Accounts XXXX  Account Number : XXXX Reported Amount : {$660.00} XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Amount : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Amount : {$210.00} First Point Coll ( XXXX XXXX XXXX ) Account Number : XXXX Reported Amount : {$0.00} Fair Collections & Out ( Fair Collections & Outsourcing ) Account Number : XXXX Reported Amount : {$660.00} XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$620.00} Complaint Details The above-listed accounts are either : Duplicated across bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting the same account number XXXX and amount {$660.00} ) ; Unverified ( no proper documentation has been provided to confirm ownership or debt validation ) ; Inaccurate ( for instance, accounts showing {$0.00} balance are still reporting as active ) ; or Reported in violation of my FCRA rights under 611, which guarantees a reasonable investigation and accurate reporting. 
I have made multiple attempts to dispute these items directly with the bureaus and with the furnishers. However, I have not received verification compliant with FCRA 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and 1681s-2 ( b ) ( duty of data furnishers to correct or delete inaccurate information ).

Continued reporting of unverifiable or duplicated accounts constitutes a willful and negligent violation of federal consumer protection laws. 
Requested Resolution I am requesting that the CFPB : Investigate the actions of Experian, XXXX XXXX XXXX for failing to ensure the accuracy of my credit file. 
Require the immediate deletion of the above-listed accounts from all three credit reports, as they remain unverified and/or duplicated. 
Ensure compliance with the FCRA and FDCPA moving forward. 
Provide me with written confirmation once the accounts have been deleted or corrected.

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 2025-11-06 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: TX

Complaint narrative:
I am writing to file a formal complaint against multiple entities reporting inaccurate and unauthorized information on my credit report. The following accounts and inquiries are appearing on my credit file without my authorization or knowledge : XXXX Account Number : XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this account, never opened or authorized it, and request a full investigation. This account must be deleted from my credit report immediately as it represents a fraudulent or misreported item. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these inquiries, nor did I apply for credit with these institutions on the listed dates. These hard inquiries are damaging my credit score and constitute a violation of the Fair Credit Reporting Act ( FCRA ) as they were made without permissible purpose or consent. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am exercising my right to dispute inaccurate and unauthorized information. The reporting of accounts or inquiries without verification, authorization, or permissible purpose is a serious violation of federal law. 

I request that : A full investigation be initiated into each of the accounts and inquiries listed above ; Any and all unverified or unauthorized items be permanently deleted from my credit report ; Confirmation of these deletions be provided to me in writing. 

I expect your office to review this matter promptly and take action to ensure full compliance with federal law. I am attaching a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your attention and prompt handling of this serious matter.

Company response to consumer: Closed with non-monetary relief