vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Under the CARES Act, creditors were required to report accounts as current if they were placed under deferment, forbearance, or other accommodation during the COVID-19 pandemic. My SYNCB/XXXX account ( Account Number : XXXX ) was under such an arrangement in XXXX and XXXX, and therefore, no late payments should have been reported during that time. Despite this, there are multiple inaccurate and inconsistent late payment entries on my credit report across all three credit bureaus : XXXX reports the account as Pays as Agreed, yet also shows a 30-day late payment in XX/XX/XXXX and a 60-day late in XX/XX/XXXXXXXX XXXX lists the account as 60 days late, while XXXX shows only 30 days late, and even reports OK for certain months in question. These discrepancies are not only contradictory, but they also violate the protections granted under the CARES Act for accounts in deferment. Furthermore, I dispute the accuracy of any alleged late payments, as I have never been late on this Synchrony/PayPal account XXXX The reporting across bureaus is clearly inconsistent and erroneous, which damages the integrity of my credit profile. I have attached documentation highlighting these conflicts and discrepancies. I am formally requesting that all inaccurate and inconsistent late payments associated with this account be immediately removed from my credit report.

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is the third time this has happened. I did not fall for the scheme, but I'd like to contribute to any investigation where my information may help.

I received a phone call from a process server saying that they have not been able to serve legal documents to me. The first time I responded to the process server, I gave him my address in Florida to serve me. The phone call was from a Minnesota number. I moved from XXXX XXXX XXXX XXXX 
When I contacted the law office ( the voicemail said to call them with any questions ), they told me that they were trying to collect a dept with CitiBank. I did not acknowledge the debt and told them to serve me. I never heard any more. 
It happened again about a month ago. After talking with the " attorney '', I called back requesting the name of the law firm which they gave me. When I asked for their address, they hung up on me. This one I reported to the State Attorney of Florida.

Then, someone called again today. I didn't go through the whole process with them. I did return calls requesting the name of the processing agent and the name of the law firm. This time, each of them hung up as soon as I asked the question. Both parties were the same person. 
Today 's phone number of the " processor '' was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have transcripts of the voicemails.

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint due to inaccurate and misleading credit reporting by XXXX XXXX XXXX and the failure of the credit bureaus ( Experian, Equifax, and TransUnion ) to properly investigate and correct the issue. 

The account in question was a voluntarily surrendered auto loan that was closed on XX/XX/XXXX. Since that time, there has been no further activity on the account. However, XXXX XXXX continues to report the account with monthly VS ( Voluntarily Surrendered ) notations from XXXX through XXXX, making it appear that the account is still active and newly derogatory each month. 

This is a clear example of illegal re-aging, which misleads creditors, artificially lowers my credit score, and violates the Fair Credit Reporting Act ( FCRA ).

Despite submitting formal disputes, all three credit bureaus have verified this information as accurate, which is deeply concerning given the evidence and the nature of the reporting.

Legal Violations : FCRA 1681e ( b ) : The credit bureaus and furnishers are responsible for ensuring maximum possible accuracy. Reporting ongoing derogatory updates for a closed account is not accurate. 
FCRA 1681i : The credit bureaus failed to conduct a reasonable reinvestigation of my dispute.

FCRA 1681s-2 ( b ) : XXXX XXXX failed to properly update or correct inaccurate information after being notified via dispute. 
FCRA 1681c ( a ) ( 4 ) : Negative information should not be updated indefinitelyreporting VS every month for years after closure is improper and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XX/XX/XXXX TO : XXXX. XXXX XXXX XXXX GA XXXX RE : Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts Dear Sir or Madam : I am writing to formally dispute several fraudulent accounts appearing on my credit report as a direct result of my personally identifiable information being compromised in the widely publicized Equifax data breach of XXXX, among other breaches. I am a documented victim of this breach, which exposed sensitive data such as Social Security numbers, birth dates, and credit account details for over XXXX million Americans.

1 of 8 I am asserting my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. The FCRA mandates that consumer reporting agencies must block fraudulent information within four ( 4 ) business days of receiving appropriate proof of identity theft. 
Accounts to be Removed ( due to identity theft ) : XXXX XXXX XXXX XXXX XXXX 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 fraudulent and were not opened by me. They have negatively impacted my credit standing, caused me significant stress, and continue to interfere with my ability to obtain credit, housing, and employment. 
As referenced in In re Equifax XXXX Inc., Customer Data Security Breach Litigation, 999 F.3d 1247 ( 11th Cir. 2021 ), the courts have recognized the legitimacy of consumer claims related to identity theft stemming from data breaches. Furthermore, the CFPB has established a duty to investigate consumer complaints and enforce corrective action under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Enclosed/Attached : 2 of 8 Copy of government-issued ID Copy of Social Security Card FTC Report DEMAND FOR ACTION : Pursuant to the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), I am formally demanding that : 1.

2.

3. 
The above-listed fraudulent accounts be permanently deleted from my credit file within 4 business days of receipt of this letter.

Written confirmation of the deletions be sent to me immediately upon completion of the investigation.

No reinsertion of said accounts may occur without prior written notice and full documentation as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to comply will result in a formal complaint to the Federal Trade Commission ( FTC ), State Attorney General, and pursuit of legal remedies under FCRA 1681n & 1681o, which allow for actual damages, punitive damages, and attorneys fees. 
Thank you for your prompt attention to this matter. I expect your full cooperation in correcting my credit file to reflect accurate and lawful information. 
3 of 8 Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed a Capital One account ending in XXXX XXXXXXXX due to inaccurate reporting of payment history and charge-off information. While the dispute was active, they updated my late payment history to show additional months as delinquent. I requested full verification under FCRA 611 and 623, including the signed contract, full payment history, and balance validation.

Capital One did not provide these records. Instead, they responded with partial statements and acknowledged they had no signed contract. The account also shows a balance increase and inconsistent reporting across bureaus. I also filed a XXXX letter with TransUnion and Experian, and neither provided documentation verifying the information. 
I am now disputing this formally through the CFPB due to Capital One and the bureaus failing to validate the accuracy of what theyre reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Driver 's License No. : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Support for Debt Validation Request Regarding Jefferson Capital Systems Dear Consumer Financial Protection Bureau, I am writing to request your support and intervention in a debt validation matter involving Jefferson Capital Systems. 
This entity has reported one or more accounts to credit reporting agencies and/or attempted to collect from me without providing sufficient documentation or validation as required by federal law.

To date, this agency has not satisfied my lawful request for debt validation. I am invoking the following statutes to su my
position and request the CFPB 's assistance in ensuring compliance and enforcing my rights : - 15 U.S. Code 1666b : Specifies prompt crediting of payments.

- 12 CFR 1026.13 : Defines the process for resolving billing errors.

- 15 U.S. Code 1681b ( a ) ( 2 ) : Access restrictions on consumer reports.

Disputed Account ( s ) : - Account No. : XXXX ( XXXX ) Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/year> I tried to use the American Express Gift Card that I received on the XXXX website and the transactions kept being declined even though the balance was more than the transaction amount. I tried to get the XXXX to charge for less than the amount and those transactions kept declining. I called XXXX ( Amex Customer Service ) at the same time I was on chat with XXXX XXXX  support trying to do these altered charges, and spoke with a representative from Amex who mentioned that they don't see the transactions declining but if the company is putting a 20 % overage hold... I explained they tried to charge less but it still declined. The representative said to try to connect the card to my XXXX XXXX and use in store. I was able to use the card on XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ). However, just recently I've tried to use it again at XXXX, XXXX, and XXXX with no luck. Prior to that, I tried to use it at a physical store and restaurant with the charge being declined. I called ( XXXX ) again on XX/XX/year> to inquire if there was a listing of stores/restaurants to use this at without it being declined, and the representative stated that the charges should go through and it's on the retailer 's side that the card is being declined. The representative gave me no other assistance except to connect it to my XXXX XXXX as that " might '' work. I just want the remaining balance to be sent to me as it's been frustrating and embarrassing to attempt to use this gift card and get told it's been declined even though my remaining balance is way over the amount of the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing an auto loan debt that is currently being reported under my name but was not authorized by me and was obtained without my knowledge or consent. This account is the result of identity theft and does not belong to me. 

I did not apply for, open, or benefit from this auto loan in any way. I have already provided the required documentation under the Fair Credit Reporting Act ( FCRA ), including : A valid Identity Theft Report A copy of my government-issued ID Proof of my current address Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies and furnishers are legally required to block all information resulting from identity theft within 4 business days of receiving this documentation and must ensure the data is not reinserted or resold.

Despite this, the auto loan continues to be reported, and the creditor or debt collector may still be attempting to collect on it. This is a clear violation of my rights under the FCRA, and it is causing ongoing harm to my credit and financial well-being.

I am requesting immediate enforcement of my rights under federal law and a permanent block and removal of this fraudulent 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have a deferment of payments due for DOE sponsored student loans. The lender has reported, and the credit bureaus have reported past due payments. The lender provided me with a letter confirming that no payments have been or are due for 3 years. After providing the credit bureaus a copy of the letter I received from the lender, I see that the same past due status is being reported on my credit report and my credit score has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WestGen Lending, a DBA of Beckam Funding
State: CA

Complaint narrative:
In XXXX, 2025, my husband, who is a veteran, and I refinanced our mortgage and obtained a V.A. loan. It was immediately transferred to XXXX. Since then, we have made our payment every month and are current. However, Gen Way Home Mortgage has sent us numerous letters claiming they hold our mortgage, and that we are in default. Their last letter dated XXXX, threatens foreclosure. Our credit reports show two mortgages each for {$230000.00}. We only have one! My husband has reported this error to XXXX, but has not received a reply. We have a current statement from XXXX clearly showing that we are current with our payments. I believe that XXXX and Gen Way are sister companies. Also, some letters from Gen Way are addressed only to me, while others are addressed to my husband and me. The mailing address for both companies is thew same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/2025

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased concert tickets for {$100.00} and {$170.00} with someone I had existing contact with. However, I failed to receive the product. I sent the money through XXXX since I knew them, but I have not received my product. I tried solving it with the person and my bank, but failed on both ends.

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

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief