vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is reporting inaccurate information to my credit report and I would like it remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Secured card, mutually agreed that it is a fraudulent account and for it to be closed yet they still put it on my credit file against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is in regards to my Citi XXXX XXXX Card product. 

I applied for, and was approved for the Citi XXXX XXXX card  on XX/XX/year>. 

Soon after, this card was locked to forward IRS form 4506-C. I did in XXXX. 

I followed up weeks after over the telephone, and was informed that I had filled in this form incorrectly. I had an agent guide me through a second attempt to fill in this form in XXXX. 

I resubmitted a second IRS form 4506-C. Citi also sent a notice that my annual fee of {$590.00} would be refunded and that the incentive would be honored without the minimum spend requirement by email.

I followed up with telephone again at the start of XXXX about Form 4506-C, and they informed me that they had not received anything. A few days later, this account was marked as closed.

From the very start, this product and relationship with Citi was an unmitigated disaster.

I've attached the two bank statements for this card, the two physical letters, as well as the email sent by Citi promising the refund of the annual fee, as well as honoring the bonus incentive for opening the card.

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 2025-11-05 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: Global Lending Services LLC
State: NV

Complaint narrative:
XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report XXXX 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Global Lending Services Llc on XX/XX/XXXX The date of this inquiry is wrong. 
Please verify and provide proof of the date of this inquiry or remove this from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
>This complaint concerns multiple contradictory and misleading statements made by Equifax to the CFPB regarding the same XXXX XXXX XXXX tradeline. It is filed in response to Equifaxs answers in CFPB Complaint XXXX # XXXX and # XXXX, and it supplements the currently open CFPB Complaint ID # XXXX ( with attachments ). 

XXXX XX/XX/year> at XXXX PM XXXX, Equifax reported to the CFPB that the XXXX XXXX XXXX tradeline was verified to belong to me and that additional information was provided from the original source. However, this same tradeline was deleted from my Equifax credit file on [ XX/XX/year> ]. These XXXX actions can not both be true. Under FCRA 1681i ( a ) ( 5 ) ( A ), deletion occurs only when an item is inaccurate or can not be verified. Therefore, Equifaxs verified claim directly contradicts its own data. 

>Equifax also has an open CFPB complaint ( # XXXX, filed XX/XX/year> ) involving this same tradeline, which included a court order dated XX/XX/year> showing that XXXX XXXX lost in court and failed to produce admissible or authenticated evidence of ownership or liability. Despite that ruling and the deletion of the tradeline, Equifax issued another verified response on XX/XX/year>. 

>This is now my fourth complaint with Equifax on this access/verification issue, and my tenth CFPB complaint involving XXXXXXXX  Each time, Equifax has ignored the core problemthat I still can not access my Equifax accountand has instead submitted unauthorized disputes on my behalf without consent. This pattern shows Equifaxs CFPB responses are either fully automated, lack meaningful review, or reflect a blatant disregard for the seriousness of the issue. XXXX complaints have already had XXXX extensions with no real solution. 

>These contradictions and repeated failures demonstrate willful automation, negligence, and disregard for statutory obligations under FCRA 1681e ( b ) and 1681i ( a ). Equifaxs responses appear to misrepresent the true outcome of its investigations and the status of my credit fileminimizing the damage for regulatory optics. 

>Attachment : Equifax deletion notification ( Confirmation # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio Services is reporting a collection account that is inaccurate and unverifiable. I previously disputed this account with XXXX, and Cavalry verified it without providing any documentation of the original agreement, ownership, or payment history. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), Cavalry is required to provide proper verification or remove unverifiable information.

I sent Cavalry a written direct dispute by certified mail requesting validation, but they continue to report this account without evidence that they are the legal owner or that the amount is correct. 

I am requesting that Cavalry cease reporting this account and delete it from all credit bureaus until full verification is provided. 

This inaccurate reporting is harming my credit and business reputation. I am seeking deletion and confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security Number XXXX Date : [ Insert Date ] I, XXXX XXXX XXXX declare under penalty of perjury that I am a victim of identity theft. Unauthorized accounts, inquiries, and/or negative items have appeared on my credit report that I did not open, authorize, or benefit from. These items are fraudulent and must be deleted from my credit file pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, Section 605B ), which requires consumer reporting agencies to block and remove information resulting from identity theft when proper documentation is provided. 

I did not apply for, open, or authorize the accounts listed below. These accounts were created by an unauthorized individual misusing my personal information. This written statement is made under 28 U.S.C. 1746, in lieu of a notarized affidavit, as permitted by federal law. 

Please note that the address on my government-issued identification is an old address and is no longer in effect. My current address is listed above, and proof of this address Acknowledge and correct my address information, as my government-issued identification displays an old address that is no longer in effect. My current address, which should be used for all correspondence and verification, is provided at the top of my declaration and supported by the attached proof of residence. 

Accounts to be deleted XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX. National Credit Adjust Account # XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Requested Actions XXXX. Investigate and permanently delete all accounts, inquiries, and public records identified above that are the result of identity theft or can not be verified as legitimate. 
2. Block reappearance or reinsertion of these fraudulent items in my credit file, as required under FCRA 605B ( b ) and FCRA 611 ( a ) ( 5 ).

3. Provide written confirmation of the deletion and the results of your investigation within the time required by law. 

This declaration and accompanying documents constitute my formal Identity Theft Report under federal law. Pursuant to the FCRA, you are required to block and delete unverifiable or fraudulent information within 30 days of receiving this notice. 




Executed on : XX/XX/XXXX Signature : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Goal Structured Solutions, LLC
State: WA

Complaint narrative:
I have tried to contact Launch Servicing multiple times to discuss removing my name from this loan. This is my daughter 's loan, not mine. I have tried calling them on multiple occasions, as well as messaging them through their website and was redirected to their customer service phone number each time. When I called the customer service phone the first couple of times, I was placed on hold for extended periods of time, up to an hour. The calls was not answered. Then, on XX/XX/year>, when I reached the loan services department, it said the line had been disconnected and it hung up on me. I tried calling again, and the same thing happened. I am not sure how else to contact them. My credit score is being affected due to my daughter 's hardship caused by job loss and not being able to make payments. My daughter and I have tried multiple times and ways, but neither of us have been able to communicate with this loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I saw an unauthorized transaction for {$640.00} charged to my SoFi debit card. I dont know who the merchant is or where the charge came from. When I checked my wallet, my Sofi debit card, along with another one of my debit cards for another bank ( XXXX ), were missing. I reported the transaction immediately, had the debit card locked, and told Sofi that my debit card is missing. They opened an investigation and within 1 business day they immediately closed it with no elaboration and denied my claim. That transaction is not mine, and I really need my money back. Upon doing some research, I also learned that SoFi has a history of vague and untransparent dispute processes that cause them to immediately deny claims that are definitely unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
On Sunday XXXX XXXX XXXX refunded me XXXX transactions of XXXX and XXXX dollars approximately at XXXX PM. The XXXX was returned to my account instantly. Cash app is lying to me saying they didnt recieve the funds, I know its a lie and they are refusing to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am sending this dispute to formally challenge the erroneous information appearing on my credit report. Upon review, I identified several accounts reported inaccurately that require verification under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts listed on my report need to be fully investigated and validated, as failure to provide proper verification constitutes reporting of unverified and potentially inaccurate information : XXXX XXXX XXXX {$3800.00} : XXXX XXXX XXXX balance {$3800.00} XXXX XXXX XXXX balance {$2400.00} XXXX XXXX XXXX balance {$3800.00} XXXX XXXX XXXX balance {$2300.00} XXXX XXXX XXXX balance {$4900.00} XXXX XXXX XXXX balance {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Attorneys USA LLC
State: MO

Complaint narrative:
XXXX, this is XXXX XXXX. I'm reaching out to you in regards to your claim number XXXX. Now, since I was not able to reach you by phone. I have been instructed to contact your place of employment, as it appears, it'll be your most likely place of location. Now, XXXX XXXX, you still have an option to reach out to the office handling a claim. However, once your claim is released from their office, no longer an option. Now, the number to their office is XXXX. That's a lot to you, sir.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Unauthorized Inquiry Violation of FCRA 15 U.S.C. 1681b ( 2 ) Dear Experian I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only furnish my credit report when I have provided written authorization.

The following company accessed my credit report without my consent : XXXX XXXX XXXX I did not authorize this company to obtain my credit report, either in writing or electronically. As such, this inquiry was made without permissible purpose and represents a direct violation of 15 U.S.C. 1681b ( 2 ).

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
A letter informing me, of a new open checking account application under my name as of 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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Synchrony Bank ( CareCredit ) has mishandled my ongoing dispute in a way that now appears deceptive and retaliatory. 

XXXX XXXX : XX/XX/XXXX : Initial charge from XXXX ( merchant ). 

XX/XX/XXXX : I filed a dispute due to improper billing and incomplete services. 

XX/XX/XXXX : Synchrony denied the dispute with no explanation or supporting documentation. 

XXXX XXXX : I resubmitted the dispute with additional evidence. Synchrony acknowledged receipt but again issued a vague denial. 

XXXX XXXX : Multiple reopenings and premature closures followed, often within days, while I had active regulator complaints pending. 

XX/XX/XXXX : I discovered my account had been closed without warning while the dispute was under review, cutting off my online access. 

XX/XX/XXXX : The CareCredit trade line was suddenly removed from all credit bureaus, including XXXX. 

XX/XX/XXXX : I received XXXX letters from XXXX XXXX XXXX XXXX thanking me for allegedly reporting my account as lost, stolen, or opened without authorization. I never made such a claim. 

These letters also directed me to complete a Fraud Investigation Form requiring me to sign statements that the account or charge was fraudulent and to submit police or identity theft reports ; none of which apply. 

Concern : I believe Synchrony is attempting to recast my legitimate billing dispute as a fraud claim after closing my account improperly. This would allow them to : Erase their prior handling errors ( including regulator-reviewed disputes ). 

Remove all trade line history from my credit reports under the pretext of fraud. 

Obtain my signature on a false statement to protect themselves from regulatory accountability. 

At no time did I report my card lost or stolen. My disputes have always been based on merchant service failure and billing integrity, not identity theft or fraud. Synchronys new claim misrepresents my statements and could constitute consumer deception and entrapment. 

Addendum .. Unauthorized digital letter / login prompt ( XX/XX/XXXX ) : On XX/XX/XXXX I received an email from Synchrony stating a digital letter for your account is now available to view online. I never clicked the link and did not attempt to log in. This message appeared after Synchrony had closed my account and after I had already reported their misconduct to regulators. I am concerned Synchrony is attempting to bait me back into an account portal ( or generate an activity log ) so they can claim I acknowledged or participated in their fraud reclassification. I did not consent to any reactivation or online access ; I will not log in and request that CFPB note this attempt as further evidence of Synchronys inconsistent recordkeeping and possible entrapment tactics.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and follow-up letters, the credit bureaus have failed to conduct a proper reinvestigation or remove inaccurate and unverifiable information from my credit report. 

I first submitted disputes beginning XX/XX/year>, and followed up on XX/XX/year>, demanding a lawful reinvestigation. To date, none of the bureaus have provided a valid explanation or documentation supporting the continued reporting of disputed items. This demonstrates ongoing violations of the following FCRA sections : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used to confirm disputed items.

15 U.S.C. 1681e ( b ) : Failure to follow procedures to ensure maximum possible accuracy. 

The bureaus have not provided : The method and procedures used in verifying the disputed accounts. 

The full contact information for the furnishers involved. 

Any documentation relied upon to verify the information reported. 

After multiple notices, the credit bureaus have had more than enough time to comply with the law but have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of the following account appearing on my TransUnion credit report. Due to recent data breaches affecting millions of consumers, I have reason to believe that my personal information may have been compromised and used without authorization. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am requesting that this account be investigated and deleted if it can not be fully verified.

Account in Dispute : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2024 Balance : {$4100.00}

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 non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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