vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
In XX/XX/year>, I contacted PayPal Credit ( Synchrony Bank ) to arrange a short-term payment plan. A representative located in the XXXX confirmed that my account would not be reported late to the credit bureaus as long as payments were made on time. I followed that plan and made all required payments. 

Despite this, PayPal Credit reported my account as 30-, 60-, 90-, and 120-days late, then closed and charged off the account without proper notice or investigation. When I attempted to resolve the issue, I was transferred repeatedly between call centers in the XXXX and XXXX. Each time I asked for a U.S.-based representative, I was put on long holds or disconnected. 

A U.S. agent eventually transferred me back to a supervisor in the XXXX who could not explain why one of my payments was voided and charged back. She promised to investigate and follow up but never did. This demonstrates a complete failure to investigate and properly supervise their customer-service operations. 

I have formally requested copies of all recorded calls, account notes, and verification records related to this issue from XX/XX/year> to the present. These records will show that I complied with the agreed payment plan. I am requesting that the inaccurate XXXX late marks and charge-off be removed from my credit report, and that I receive written confirmation of the investigation results from a U.S.-based compliance officer.

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 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been in the process of trying to obtain my Citibank Best Buy credit card. It starts about two years ago. I applied for a line of credit I was approved for {$2000.00}. They took my information they miss inputted my information they put in the wrong address they sent the card to the wrong address And I have not been able to change my phone number with the company. I have not been able to update my address with the company and they have my account locked until the bank can authorize that I am the one requesting the card they will not tell me where they are sending the bank request. They will not update my account information. They are doing everything but helping me get my credit card that I applied for I am using all the information past and current answered all security questions can verify in every form that I am requesting the card myself, and it is not fraudulent.

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 2025-10-09 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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 2025-10-09 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-09 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I have contacted IQ data international collection agency serval times to resolve this matter, but they have been rude and aggressive in their responses. I've asked for an email address so I can have all in writing, only to be told that they don't have one. When I requested a physical address, they said they don't have one but provided a XXXX XXXX for certain things. When I asked for XXXX. XXXX information, the representative claimed they had another call to attend to. This situation has negatively impacted my credit, and I've been denied a new place to live, leaving me homeless with my children for several months now. The agency offers no payment plan options, only demanding payment in full, with no settlement offers. I've never received an original statement from them, so I am concerned about being scammed. I visited the apartment complex office, and they couldn't find any record for me. 

I have nothing to show because they will not provide me anything in writing XXXX XXXXXXXX XXXX XXXX told me to emailed support XXXX XXXX have 3 times but still no reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
I have received repeated calls from XXXX XXXX. XXXX XXXX XXXX I received a total of 26 calls in a week, I recently told a representative that they are calling more than 7 times in a week. On XXXX XXXX XXXX I received a total of 21calls in a week, XXXX XXXX XXXX I received a total of 23 calls in a week, XXXX XXXX XXXX I received a total of 20 calls in a week. This is clearly harassment and very unnecessary too call this many times in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lentegrity Management, LLC
State: NY

Complaint narrative:
Back in mid XXXX, my partner and I purchased a vehicle. Less than 2 weeks later ( XX/XX/year> ), the car caught fire with my partner in it. We made claims with the car insurance and GAP. I told the financing company, Lentegrity, that the vehicle was deemed a total loss. They continued telling me Im still responsible for paying them the monthly note even after my insurance and the GAP claim was processed and completed, and checks were sent out. I later found out they put a negative remark against my credit as if I was late making payments to them and they have still been sending me letters in the mail saying I owe them. Ive tried reporting this through thXXXX XXXX XXXXo no avail. The case was closed without resolution. Lentegrity is overcharging extra fees on top of the valuation after the loss. I do not owe them anything further and the negative remark on my credit report needs to be deleted. The insurance settlement + all refunds were {$27000.00} and the GAP settlement was {$3200.00} which amounts to the Actual amount financed of {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Syncb / Amazon [ Collection Agency Address ] Subject : Debt Validation Request Account # XXXX Dear Syncb/ Amazon, This letter is sent in response to an entry appearing on my credit report from your company. Please be advised that this is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
I am not refusing to pay ; however, I request that you provide proper documentation verifying that I am legally obligated to pay the debt you claim. Specifically, please provide : 1. The name and address of the original creditor.

2. The original account number and the date the account was opened.

3. The date of last payment and an itemized balance, including all fees and interest.

4. A copy of the original signed contract or agreement with my signature.

5. Proof that your company has been legally assigned or purchased this debt and has the right to collect in my state. 
Until such documentation is provided, please cease all collection activities, including reporting to any credit bureaus, as doing so without proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide the requested information, please remove the account from all credit reporting agencies ( Equifax, Experian, and TransUnion ) immediately and confirm in writing that you have done so. 
Please respond within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXXXX/XX/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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have sent three Pay-for-Delete settlement letters to Portfolio Recovery Associates through certified mail ( with USPS tracking ). 
Despite multiple attempts, the company has never responded or provided any debt validation. 
This lack of communication makes it impossible for me to resolve the issue and continues to harm my credit report. 
I am requesting CFPBs assistance in getting the company to validate the debt and respond to my settlement proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
Freedom Mortgage XXXX XXXX erroneously paid my real estate tax for the year 2024 ( receipt attached ). I do not have a loan, escrow, or any type account with them. I contacted Freedom Mortgage to notify them of this error and to discuss how to refund them for the amount they paid on my real estate tax. I've called numerous times and spoken to numerous people where they ask for my loan number - at which point I tell them I do not have a loan with them. The next thing they request is my Social Security Number- which I refuse to give them, for obvious reasons. Once I refuse to give my SSN, the run around starts. Each person has repeatedly " transferred '' me to another department where I either end up in a automated menu loop, or simply disconnected. This is obviously a scam, and I see this company is already in multiple lawsuits for deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-09 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I stopped at the PNC XXXX XXXX, XXXX XXXX, PA, location to inquire about possibly refinancing an existing auto loan. The representative, XXXX, repeatedly told me that the inquiry would be a soft inquiry only, not a hard pull. She later called me, confirming this information again over the phone, in addition to confirming it in the branch multiple times. I later discovered that PNC performed a hard inquiry without my authorization. I have repeatedly contacted PNC ( via branch and phone ), but have received no response since last week. Yesterday, XX/XX/XXXX, I was told that the case XXXX XXXX XXXX would be contacting me before the end of the day. Today, XX/XX/XXXX, I talked with an agent around XXXX a.m., who informed me that XXXX XXXX or their supervisor, XXXX, would be contacting me before the end of the day today. No one contacted me. I called the customer care number again, only to be put on hold for over XXXX minutes, twice, where the agents ultimately transferred me to an automated line. 

I am requesting that PNC remove this unauthorized inquiry and provide written confirmation of corrective action and staff retraining. This was a clear misrepresentation and unauthorized credit access. 

This impacts my credit and ability to inquire with other lenders. 

Calls by PNC are recorded and provide the information necessary to confirm my complaint, in addition to the branch manageXXXX reaching out to confirm the employee provided incorrect information about the process and performed an unauthorized credit access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have reviewed the companys response, and it is inaccurate and incomplete.

LVNV Funding / Resurgent Capital falsely stated that they mailed verification letters to me, but I never received any correspondence from them. I have checked my mail records, and there is no proof of delivery or certified mail.

Furthermore, LVNV Funding has failed to provide proper debt validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The company has only supplied generic billing statements, not a signed agreement or proof that this alleged debt belongs to me.

Furthermore, they are reporting this debt under an incorrect name this is not my full legal name, and I have never changed my name since birth. Reporting an account under an incorrect or incomplete name is a violation of the Fair Credit Reporting Act ( FCRA ). 

The documents they attached do not prove that this debt belongs to me. They only provided generic billing statements from XXXX XXXXXXXX XXXX but no signed contract, application, or evidence linking me to the account. 

I request that the CFPB reopen this complaint and require LVNV Funding to provide : Proof that a validation letter was actually mailed and delivered to me ( with USPS tracking or delivery confirmation ). 

Documentation proving that this account legally belongs to me and that the name and identifying information match my records. 

Until valid proof is provided, I request that the CFPB direct LVNV Funding to stop reporting this inaccurate account to the credit bureaus.

The account is reported under an incorrect and incomplete name, which does not match my legal name as shown on my U.S. Passport. I have attached a copy of my valid U.S. Passport as proof of my full legal name. This is my second U.S. Passport, and I have never changed my name since birth. 

I also do not remember ever opening an account with XXXX XXXXXXXX XXXX or authorizing any account of this type. LVNV Funding has failed to provide legally sufficient validation proving that this debt belongs to me, and they falsely claimed to have mailed verification letters that I never received.

Company response to consumer: Closed with non-monetary relief