vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Names : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Dear This letter is being sent to you in response to : XXXX XXXXXXXX ( XXXX ) - Notice sent to me on XXXX - Response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal ounsel for suit. This includes any listing of any information to a credit reporting repository that coul XXXX inaccurate or invalidatec It your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A collection account is being reported on my credit report with inconsistent and inaccurate information across the credit reporting agencies. The account is attributed to XXXX XXXX XXXXXXXX XXXX Synchrony Bank ; however, the original creditor, collection agency name, and account status are reported differently by XXXX XXXX XXXX XXXX reports the account as account seriously past due/ assigned to collections, while other credit reporting agencies list different original creditors or collection agency information. This indicates the information is not being reported accurately or consistently as required by the Fair Credit Reporting Act. 

I previously disputed this account, and it was marked as verified ; however, no documentation was provided to explain or correct these discrepancies. I am requesting a meaningful investigation and either correction of the inaccurate reporting or deletion of the account.

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 2025-12-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had an account with Wells Fargo and I am an employee. Wells Fargo has closed my account I have tried to open the account and I am unable to

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had a promotional balance on my Living Spaces/Synchrony account. 

On XX/XX/XXXX a Synchrony chat representative ( XXXX XXXX XXXX told me in writing that if I paid the remaining promotional balance by XX/XX/XXXX and contacted Synchrony, the interest would be waived. I relied on that written statement. 

On XX/XX/XXXX I made a payment of {$2200.00}. During that chat, another representative ( XXXX XXXX XXXX confirmed in writing that she successfully waived the interest charge of {$2000.00} and that my account was paid in full and nothing further was required of me. 
My account history shows : Payment of {$2200.00} on XX/XX/XXXX Interest Charge Purchases Refund of {$2000.00} on XX/XX/XXXX ( confirming the waiver ) Despite this, on XX/XX/XXXX Synchrony posted a NEW interest charge of {$98.00} and has refused to remove it, now claiming it is valid interest after previously confirming my balance was paid off and interest was waived. This is misleading because I relied on their written statements that my balance was paid in full with interest waived. I should not be held accountable for misinformation, poor training, or wrong billing on their end. I relied on their written statements to my financial detriment. 

I am requesting that Synchrony : Remove the {$98.00} interest charge ; and Confirm in writing that my account is paid in full with no additional interest, consistent with the written promises made to me. 

I have screenshots of both chat conversations and my account activity showing the interest refund and the later interest charge.

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 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This complaint concerns an alleged rental debt reported by National Credit Systems for XXXX XXXX XXXX. I dispute this debt in full. 

On XX/XX/year>, I sent XXXX XXXX XXXX a formal Debt Validation Request and Notice of Rescission via certified mail. I requested : ( 1 ) a signed lease or contract, ( 2 ) full accounting of the charges, ( 3 ) verification of the amount owed, and ( 4 ) documentation showing the legal right to collect the alleged debt. 

The company never responded to my certified dispute, never provided validation, and did not correct or remove the account. Despite failing to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), the collector continued reporting the alleged debt to XXXX. 

An unvalidated debt can not legally be collected or reported. I requested proper validation before any collection or reporting, but no documentation was ever provided. I am requesting that the CFPB require the company to : Provide complete validation of the alleged debt OR Delete the account from all credit reports immediately. 

The company has ignored all validation requests and continues collection activity without proof, which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I look a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. Is is my understanding that you will investigate this items for me to ensure accuracy. 
Here is the item I asking you to verify as accurate : Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
Collection account added by Summit A * R to credit report on XXXX XX/XX/XXXX without any type of notice. Found on XXXX XX/XX/XXXX after noticed XXXX score dropped XXXX points. Check Summit A * R info and found there is a amount related to XXXXXXXX XXXX XXXX XXXX of {$1000.00}. 

Used to rent a car from XXXX in XX/XX/XXXX. XXXX on XXXX XX/XX/XXXX. Received a damaged report on XXXX XX/XX/XXXX. Replied on XXXX XXXX explained not responsible. Received XXXX invoice of rental on XXXX XX/XX/XXXX stated the rental was finished and payment has fully prepaid. ( All back by emails in mailbox ) Never received any email or contact from XXXX concerning any debt since XXXX XX/XX/XXXX. 

Never contacted by Summit A * R nor noticed received. High credit score with not once late payment had been devastated. Summit A * R is taking illegal tactic of Debt Parking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered these XXXX  on XXXX XXXX with no indication they were international. I have contacted them several times and they only send tracking numbers once the package was in XXXX and now it is in XXXX. They have sent tracking numbers. It has been 2 months and Pay Pal wants me to file a complaint. They refunded XXXX. I have not received the XXXX  and would like a refund of my balance which is {$72.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime They have taken too much money out of my account. They took XXXX for a pending transaction that was settled for XXXX and they have not credited the difference back to my account. 
Actually according to Chime support the total in my account should be significantly more than the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: OR

Complaint narrative:
I would like to file this complaint against True Accord Corporation and XXXX XXXX XXXX  for reporting my name to all Three credit bureaus XXXX XXXX XXXX under XXXX fraudulent credit cards Identity theft First Acct XXXX XXXX Acct XXXX couple of months i reach out to first XXXX bank their told me with my social security they couldn't find any information about me on the computer system and i was told my information will be deleted from all three credit bureaus but XXXX weeks ago i saw my name has been place with True accord collection agency before when i spoke to XXXX  XXXX XXXX  i told my personal information has been stolen my social my driver 's license my passport together when someone was broke into my car XXXX years ago but they still tried to collect payment under the Identity theft acct doesn't belong to me well I want CFPB to forward it my complaint to XXXX and Oregon attorney general office for further action against XXXX XXXX bank and True accord corporation also i want my name to be remove as soon as possible before XXXX  days i won't pay for something doesn't belong to me and I file Identity theft to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
A full debt validation request was sent to Transworld Systems on XX/XX/year>. The request was for the original signed contract between me and XXXX XXXX XXXX to establish debt. Next a request for the unbroken chain if titles from XXXX XXXX XXXX and Transworld Systems Inc, demonstrates your legal ownership of the specific account, this must include all assignment agreements and bills of sales. Also detailed accounting of how {$310.00} was calculated, including all service, fees, and charges itemized from zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX. GA XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being. I am aware of my rights under the fair credit report act and I request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I did not apply for this loan. I asked the company to provide information as to when and where the loan information was provided. Company did not respond. I would like this to be taken off my credit as I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Any type of XXXX XXXX under FCRA and CFPB then credit bureaus will be sued. Any type of auto-verification or fabrication of validation of unauthorized accounts will result in a lawsuit its very simple. We are requesting 1099c from companies that was charged off which were unauthorized if it CAN NOT be provided within XXXX  DAYS these ITEMS must be REMOVED! 

Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified XXXX days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XXXX  days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$110.00} XXXX  Date Opened XX/XX/XXXX Balance {$93.00} Cap XXXX Auto Date Opened XX/XX/XXXX Balance {$27000.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1300.00} XXXX XXXX Inquiries XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX/XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account at XXXX Bank on XX/XX/XXXX, and they closed it about 20 days later. I had sent {$200.00} via XXXX, and I've spoken with them more than XXXX times about those {$200.00}. They sent the money to the address on my ID, but I had given them my current address, which is the one they had in their system. The last person I spoke with was a very arrogant and rude woman named XXXX, I think, who used a translator and wouldn't even give me her name. My husband died in an accident XXXX months ago, and I need the money. Thank you, I hope you can resolve this because the same thing happened to my husband with {$500.00} and XXXX Bank, and they never did anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase with my XXXXXXXX XXXX XXXXXXXX for XXXX I made purchase and have already paid it off now I see capital 1 charged me for the same transaction same day same fee amount so I called filed a dispute I explained fully with documentation specifically stated the merchant was paid threw XXXX they gave me temporary credit the next day I get an email that they reapplied the XXXX and closed my dispute stating merchant advised them that XXXX didnt pay merchant so capital paid the purchase I then emailed merchant XXXX XXXX and they denied such information stating capital1 is incorrect merchant states their information is not truthful and it does not match up too their records they state XXXX XXXX THE ONLY charge they did! I provided this information too capital 1 and filed another appeal for the 4th TIME AND JUST GOT AN EMAIL MY DISPUTE HAS ONCE AGAIN BEEN CLOSED IVE REACHED OUT OVER 12X as I ALREADY PAID THIS FEE TOO XXXX IM LITERALLY ABOUT TOO HAVE A XXXX IM SO UPSET Ive provided EVERY PROOF AND FOR WHATEVER REASON THEY REFUSE TOO DROP THIS FEE my credit card with XXXX has been paid off I own nothing I provided proof of XXXX same purchase same fee and also provided them with merchant denial too their claims and they STILL KEEP BILLING ME PLEASE HELP I DONT KNOW WHAT ELSE TOO DO!!!

Company response to consumer: Closed with explanation