vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was upgraded by Synchrony Bank to the CareCredit Rewards Mastercard without requesting or knowledge that by accepting the automatic upgrade my CareCredit medical balance would be treated as a balance transfer that Synchrony could charge balance transfer interest to. So what was a large ( but expected ) interest charge of $ XXXX dollars on CareCredit for a XXXX XXXX  has become an almost {$4000.00} credit card balance that seems to be eating all of my payments with interest their Customer Service can not adequately explain to me. I am also locked into this card and unable to transfer this balance to another where I could pay it off within the year. The " Rewards '' side of this card also leaves a lot to be desired since their App has no rewards tab or any links to view your rewards. I apparently have XXXX points, but they may as well be farts in the wind because they only seem to exist in emails and paper statements. Since Synchrony Bank is notorious for closing accounts for non use, I took their upgrade offer thinking that turning my CareCredit card I no longer needed for the dentist into a Mastercard would keep my account open in good standing. What I've received, however, is the headache of a predatory 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am disputing an account XXXX being reported by XXXX XXXX XXXX. On multiple occassions, I submitted a written request for validation of this alleged debt, as allowed under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, the company has not provided any documentation proving I owe this debt. The account reporting is also contradictory. It lists the account as current while also reporting no data for payment history during the same period. This is inaccurate reporting under the FCRA. Despite this, they continue to report the account to the credit bureaus and/or attempt to collect. This is a violation of both the FDCPA ( for failing to provide validation ) and the FCRA ( for furnishing unverified, inaccurate information ). I request that the CFPB require this company to either : ( 1 ) provide proper validation of the debt, or ( 2 ) delete the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
b'USC 1681g provides 15 days for correction; please remove these inaccuracies accordingly.'

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: IL

Complaint narrative:
The debt was paid since April 29, 2025 but the report made on my credit bureau is incorrect which affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint because XXXX XXXXXXXX XXXX is reporting a fraudulent account that I never applied for, authorized, or used. I have disputed this account multiple times with both XXXX XXXX and the credit bureaus. Instead of providing proof, XXXX XXXX has attempted to redirect me to the OCC, which is improper. This is not a bank charter issue it is a credit reporting violation under the Fair Credit Reporting Act ( FCRA ), which falls squarely under CFPB enforcement authority. XXXX XXXX has failed to provide a signed application or contract to verify this account. They continue to furnish this inaccurate and fraudulent information to XXXX XXXX, and TransUnion despite my notice of identity theft. 
Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : After receiving notice of identity theft and supporting documentation, furnishers and CRAs must block/delete the fraudulent account within 4 business days.

611 ( 15 U.S.C. 1681i ) : Requires CRAs to conduct a reasonable reinvestigation. Verifying via database checks without documentary proof is not sufficient.

623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishers may not provide information they know or should know is inaccurate. 
623 ( b ) : After notice of dispute from a CRA, furnishers must investigate, correct, and delete unverifiable information.

Fair Debt Collection Practices Act ( FDCPA ) : 807 : Prohibits false or misleading representation of a debt.

809 : Requires collectors/furnishers to cease collection and reporting until proper validation is provided.

Regulation V 12 C.F.R. 1022.43 ( Direct Disputes ) : Requires furnishers to reasonably investigate direct disputes and correct or delete inaccurate/unverifiable information. 

Improper Redirection to OCC XXXX XXXX attempt to send me to the OCC is unacceptable. This complaint concerns consumer reporting accuracy and unlawful furnishing of fraudulent data, which is within CFPBs jurisdiction.

Harm Caused This fraudulent tradeline has lowered my credit score, prevented me from obtaining credit and housing, and caused severe financial and emotional distress.

Improper Redirection ( Punted to OCC ) : XXXX XXXXXXXX XXXX  attempted to punt my complaint by instructing me to contact the Office of the Comptroller of the Currency ( OCC ). This is improper. My complaint concerns consumer credit reporting accuracy under the Fair Credit Reporting Act ( FCRA ), not a bank charter issue. XXXX XXXX can not avoid accountability for unlawful furnishing by redirecting me away from the CFPB. This is an FCRA furnishing violation, and CFPB has enforcement authority over 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 non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am disputing a reported late payment that has appeared on my credit report. This entry is inaccurate, as my history demonstrates responsible financial management and timely payments without fail. Such a negative mark does not accurately reflect my payment behavior and creates unnecessary harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
lvnv funding LLC - DEBT WAS COMPLETELY PAID OFF, ITS STILL ON MY CREDIT. IVE ACCEPTED THE DEBT. {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
The investigation left several errors on 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-16 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: FL

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited {$2200.00} dollars in all {$100.00} bills 22 total at XXXX XXXX and they tolde my account would not be credited until two days I have an ach payment pending to a cc and I will have to pay {$50.00} for a bounce back they stated they can not refund me for that bounce

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
During the purchase of my vehicle a bank account was opened without my knowledge. I was made aware of this account many months later when I received an email stating that my account would be closed due to inactivity and fees would apply. Fortunately the bank in question was kind enough to close the account without any further penalties. They did however, conduct their own investigation and determined that fraud was committed. 

Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : RBFCU- Randolph-Brooks Federal Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and the credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and 623, and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

Despite my prior disputes, these accounts remain inaccurately reported and are damaging my creditworthiness. I am requesting CFPBs direct intervention to ensure full compliance with federal law. 

Inaccurate Accounts and Issues Address Error XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX This is not and has never been my address. Reporting this address is misleading and constitutes inaccurate reporting under FCRA 607 ( b ). 

XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$2300.00} Issue : Late Payment reporting is inaccurate and unverifiable. 

XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$720.00} Issue : Late Payment reporting is inaccurate and unverifiable. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX | High Credit : {$990.00} Issue : Late Payment reporting is inaccurate and unverifiable. 

XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$710.00} Issue : Charged-Off status is inaccurate, incomplete, and unverifiable. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX | High Credit : {$840.00} Issue : Charged-Off status is inaccurate, incomplete, and unverifiable. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$460.00} Issue : Charged-Off status is inaccurate and unverifiable. 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$300.00} Issue : Collection status is inaccurate and unverifiable. 

Violations and Concerns These accounts are being reported without proper verification of accuracy as required under FCRA 609 ( a ) ( 1 ) and 623 ( a ) ( 1 ).

Reporting of false addresses and unverifiable late payments, charge-offs, and collections constitutes negligent or willful noncompliance with the FCRA.

If these accounts can not be verified with proper documentation ( signed contracts, payment history records, complete chain of assignment for collections ), they must be corrected or deleted immediately.

Requested Relief I am requesting that CFPB : Investigate these accounts with the furnishers and credit reporting agencies. 

Require deletion or correction of all inaccurate and unverifiable information. 

Hold furnishers and CRAs accountable for ongoing violations of FCRA and FDCPA. 

Ensure a full compliance response within 30 days as mandated by law.

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 2025-09-16 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO

Complaint narrative:
Request for Reinvestigation and Deletion of Unverifiable Information under the FCRA ( 15 U.S.C. 1681i ) To Whom It May Concern, I am disputing the accuracy and completeness of information appearing in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I request that you conduct a reasonable reinvestigation of my file and delete or correct any information that can not be verified.

I am not identifying particular items in this dispute. I am disputing the completeness and accuracy of all accounts, tradelines, public records, and inquiries presently reported in my file ( report dated [ report date if you have it ] ). You are required to apply reasonable procedures to ensure maximum possible accuracy and to remove any information that is inaccurate, incomplete, or can not be verified within the statutory timelines. See 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ).

Please provide, at the close of your reinvestigation : 1. A written description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of each furnisher you contacted. See 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

2. A free updated copy of my consumer report reflecting all deletions/corrections made. See 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

3. Written notice if you deem any portion frivolous or irrelevant, including the specific basis for that determination. See 15 U.S.C. 1681i ( a ) ( 3 ).

Timing : This dispute is submitted with proper identification. Unless extended by statute, the reinvestigation must be completed within 30 days of your receipt. Any item that can not be verified must be deleted from my file. See 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Subject : Dispute of Midland Credit Management Collection Unverified Reporting To Whom It May Concern, I am disputing the Midland Credit Management collection account # XXXX and XXXX. Midland has not provided proof of ownership or documentation from the original creditor to validate this account. This failure violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ), which requires accurate and verifiable reporting.

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be removed from my credit report. Therefore, this account must be deleted from XXXX XXXX XXXX XXXX. 
Please conduct your reinvestigation within the required timeframe and provide me with written confirmation of the results. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This investigation has been ongoing since XXXX XXXX and it is now XXXX XXXX XXXX, without resolution. Today, I received a call from XXXX in the Mortgage Escalation Team, who informed me that the Credit Team will not accept a screenshot of my bank account statement showing the error by Chase. Instead, they will only review the matter if I provide the full, official statement. 
I find this position unreasonable. The screenshot I submitted clearly documents the error, yet no substantive explanation has been provided as to why this evidence is deemed insufficient. When I specifically requested clarification, XXXX was unable to provide any policy, regulation, or rationale supporting this requirement. 
At this stage, I respectfully request : A clear written explanation of why a screenshot is unacceptable, with reference to the applicable policy or guideline. 
Confirmation that my case will continue to be reviewed in good faith and without unnecessary delay, given the four months that have already passed. 
I reserve all rights to escalate this matter further if a satisfactory explanation and resolution are not provided promptly.

Company response to consumer: Closed with explanation