vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I received a court notice of a lawsuit filed against me by Jefferson Capital Systems , LLC for an alleged debt I owed them for the amount of {$10000.00}. Prior to that, I never received any notice of the existence of this debt, nor any validation letter with the right to dispute this debt, nor any letter informing me that I was going to be sued for this alleged debt. I have reason to believe that this debt is not mine since my personal information does not match the information presented in the lawsuit because I fear that I may have been a victim of fraud or identity theft. I also do not support the allegations presented by the plaintiff Jefferson Capital Systems , LLC. I responded to the lawsuit, even filing a motion to dismiss the case because the collector violated the law by denying me the right to dispute this debt under the Fair Debt Collection Practices Act ( FDCPA ). I submitted a debt dispute even without receiving any debt validation letter from the collector within the time frame required by the law, and they didn't provide the information I requested, which makes making me feel insecure, afraid, stressed, and also wondering how this unfair debt is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am disputing late fees and any negative credit reporting on my Synchrony Bank Lowes account. I have attempted to pay the remaining balance of {$1300.00} multiple times over the past week, and my bank has confirmed that sufficient funds were available for these payments. Despite this, Synchronys system failed to process my payments, including an attempt made by a live chat representative on my behalf. When I called to resolve the issue, I was told the problem was with my bank, even though my bank confirmed no issues, and the call was disconnected afterXX/XX/XXXX on hold. These repeated failures on Synchronys part constitute a billing error under the Fair Credit Billing Act, and I request immediate reversal of all late fees and confirmation that my account is current.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PRONTO FINANCE INC.
State: TX

Complaint narrative:
This report serves as a formal complaint and request under the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). XXXX XXXX XXXX has identified inaccurate and unauthorized accounts and inquiries appearing on her XXXX credit report. This includes items resulting from a data breach that exposed her personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CL Holdings LLC
State: TX

Complaint narrative:
This report serves as a formal complaint and request under the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). XXXX XXXX XXXX has identified inaccurate and unauthorized accounts and inquiries appearing on her XXXX  credit report. This includes items resulting from a data breach that exposed her personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I've recently noticed inaccurate information on my credit report which is hurting me to obtain credit please do a full investigation in a timely manner. And delete the inaccurate information. 
Account name XXXXXXXX XXXX XXXX XXXXXX/XX/year> Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the Police ( XXXX XXXX. XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 


FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. Equifax has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for the Chase Sapphire Preferred card on XX/XX/year>, after receiving targeted promotional offers from Chase indicating I was pre-approved and eligible for a XXXX welcome bonus. I was approved and, after meeting the welcome bonus requirement ( spent {$5000.00} on the card within the first XXXX months ), I received the advertised XXXX welcome bonus. I also paid the {$95.00} annual fee. 

Shortly thereafter, Chase closed my account without prior warning, citing not enough credit information on file, despite my XXXX XXXX score and a clean XXXX credit report. Chase closed the account and forfeited my earned rewards even though I completed the stated bonus requirements. 

I contacted Chase multiple times by phone to resolve this. They refused to reinstate the account, return the bonus points, or refund the annual fee. This is a clear example of a bait-and-switch and has caused significant inconvenience because I had to spend time handling this during my work hours. 

Resolution requested : Reinstate the closed account. 
Refund any annual fee charged. 
Restore the XXXX bonus points. 
Consider providing additional points as a goodwill gesture for the time and effort spent ( I am requesting that Chase consider awarding additional points as compensation ). 

Attachments I will include : Chase account-closure letter Evidence of the qualifying spend ( statements showing the {$5000.00} spend ) Confirmation that the XXXX points were posted Statement showing Chase charged the {$95.00} annual fee Recent XXXX credit report Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/year>, I discovered that this company was reporting and collecting a debt that was fraudulently opened in my name. This account is the result of identity theft and is fully documented in a XXXX XXXX XXXX XXXX police report ( Report # XXXX, dated XX/XX/year> ). The alleged balance is approximately {$29000.00}. 

Since that time, I have repeatedly provided the company with a complete identity theft package, including a police report, notarized FTC Identity Theft Affidavit, and supporting documentation. Despite confirmed delivery, the company has refused to acknowledge or process my identity theft claim, continues to report or pursue the account, and has provided no validation of the alleged debt. 

These actions violate multiple consumer protection laws : Fair Credit Reporting Act ( FCRA 605B ) requires furnishers and credit reporting agencies to block and remove information resulting from identity theft once provided with an identity theft report.

FCRA 623 ( a ) ( 6 ) prohibits furnishers from continuing to report information they know or should know is the result of identity theft.

Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) requires a debt collector to cease collection activities until verification of the debt is provided after a written dispute or validation request.

FDCPA 807 and 805 ( c ) prohibit continued contact, harassment, or false representation of a debt once a consumer disputes it in writing.

Despite my full cooperation and submission of all required documentation, this company continues to call and attempt to collect on a debt they have not verified and that has been proven to be 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a Washington XXXX consumer submitting this complaint concerning payday-loan and short-term-credit data furnished by XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
These companies act as specialty consumer reporting agencies that collect and share data about payday loans, installment loans, and sub-prime credit activity with lenders and data brokers. 

I have reason to believe that my information in these databases is inaccurate, outdated, or furnished by unlicensed entities, which has resulted in denials or higher-cost credit offers. 
Because payday and sub-prime data are often shared across multiple XXXX systems ( XXXX XXXX, XXXX ), any inaccuracy XXXX be replicated throughout the network. 

I request that the CFPB require each company to conduct a full manual audit of all records tied to me and delete or correct all unverifiable or unlawful data. 



Scope of verification requested XXXX. Personal identifiers All names, aliases, SSN fragments, phone numbers, and addresses linked to my record. 
XXXX. Account data Every payday, installment, or small-dollar loan entry, including opening/closing dates, payment history, balance, and lender identity. 
XXXX. Furnisher licensing Confirm each lender or collector reporting to these systems holds an active Washington license under XXXX XXXX ; delete any unlicensed data. 
XXXX. Duplicate & re-aged debts Identify and remove any accounts reported more than once or with reset date opened or date of first delinquency. 
XXXX. XXXX history Provide a list of all entities that accessed or procured my file for as long as such records remain legally reportable, as required by FCRA XXXX ( a ) ( XXXX ) and RCW XXXX ( XXXX ). 
XXXX. Scoring & decision models Disclose any risk or identity-scoring systems that used my data and the factors contributing to adverse outcomes ( FCRA 609 ( a ) ( 1 ) ( 2 ) ; 615 ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: WA

Complaint narrative:
I am a Washington XXXX consumer submitting this complaint concerning payday-loan and short-term-credit data furnished by XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
These companies act as specialty consumer reporting agencies that collect and share data about payday loans, installment loans, and sub-prime credit activity with lenders and data brokers. 

I have reason to believe that my information in these databases is inaccurate, outdated, or furnished by unlicensed entities, which has resulted in denials or higher-cost credit offers. 
Because payday and sub-prime data are often shared across multiple XXXX systems ( XXXX XXXX, XXXX ), any inaccuracy XXXX be replicated throughout the network. 

I request that the CFPB require each company to conduct a full manual audit of all records tied to me and delete or correct all unverifiable or unlawful data. 



Scope of verification requested XXXX. Personal identifiers All names, aliases, SSN fragments, phone numbers, and addresses linked to my record. 
XXXX. Account data Every payday, installment, or small-dollar loan entry, including opening/closing dates, payment history, balance, and lender identity. 
XXXX. Furnisher licensing Confirm each lender or collector reporting to these systems holds an active Washington license under XXXX XXXX ; delete any unlicensed data. 
XXXX. Duplicate & re-aged debts Identify and remove any accounts reported more than once or with reset date opened or date of first delinquency. 
XXXX. XXXX history Provide a list of all entities that accessed or procured my file for as long as such records remain legally reportable, as required by FCRA 609 ( a ) ( XXXX ) and RCW XXXX ( XXXX ). 
XXXX. Scoring & decision models Disclose any risk or identity-scoring systems that used my data and the factors contributing to adverse outcomes ( FCRA 609 ( a ) ( 1 ) ( 2 ) ; 615 ( a ) ).

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 2025-10-12 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: Applied Data Finance, LLC
State: GA

Complaint narrative:
This compliant is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC XXXX,15 USC XXXX, 15 USC XXXXg and a demand for XX/XX/XXXX immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). 

I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on myXX/XX/XXXX credit report. These accounts are reporting inaccurately ONLY on XX/XX/XXXX, and are not similarly reported on the other XXXX major credit bureaus (XX/XX/XXXXXXXX ), which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. 
Accounts in Dispute : XXXX. Creditor : XXXX XXXX Account Number ( truncated ) : XXXX XXXX. Creditor : XXXX Account Number ( truncated ) XXXX XXXX. Creditor : Department of EducationXXXX Account Number ( truncated ) XXXX Nature of the Dispute : The following data fields are either inaccurate, incomplete, or unverifiable under FCRA XXXX and Metro 2 standards : First Date of Activity Last Date of Activity Last Payment Date Full and Accurate Account Number Account Balance Account Status Payment History ( including late notations or gaps ) Remarks or Comments Section ( inconsistent and/or misleading ) Inconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA XXXX ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
For the past few years I was in and out of hotel and a credit card account was open in my name online which I had no idea of it.. The same company keep selling the account and the time it's supposed to go off my credit report keep getting changed because debt being sold.. I'm seeing something about a charge off and I been trying to get it removed and haven't been able to. I had a credit card before and eventually would love to have another XXXX but what's going on with this harassment have me scared.. SO I'm asking can they collections XXXX and XXXX XXXX XX/XX/XXXX be removed... I have been trying for years

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a Washington XXXX consumer submitting this complaint against The Work Number ( Equifax XXXX XXXX ) regarding the accuracy, completeness, and lawful handling of my employment and income records. 

This company compiles detailed data about my employment, income, job titles, and verification history and shares that information with banks, landlords, employers, and government agencies for financial, housing, and employment decisions. 

Because of information The Work Number maintains, I have experienced measurable harm, including : delays or denials when opening or maintaining financial accounts, rental housing denials or higher security deposits, adverse conditions during income or employment verification, and reputational and financial harm from data that appears outdated or incomplete. 

These outcomes suggest that my file contains inaccurate, incomplete, unverified, or unlawfully furnished data. 

I am asking the CFPB to require The Work Number to perform a full manual audit of my consumer file and to ensure that every record about me is : XXXX. Accurate, complete, and current under FCRA 607 ( b ) and RCW 19.182.020 ( 2 ).

2. Verified to its original source or deleted under FCRA 611 ( a ) ( 5 ).

3. Lawfully reportable under FCRA 605 ( a ) and RCW 19.182.040. 

Scope of information to be reviewed : All personal identifiers, aliases, and linkage keys ; Full employment history ( employers, job titles, departments, start/end dates, status, separation reasons ) ; All income and pay data ( base rate, bonuses, commissions, overtime, YTD totals, benefits ) ; All verification events ( date, requester, permissible purpose, whether instant or manual ) ; All furnishers of data and the method each used to transmit information ; All third parties, resellers, or affiliates who have accessed or redisclosed my data ; Any internal scoring, screening, or risk-evaluation models that used my employment or income data ; Any consumer consent records The Work Number relied upon to share my information. 

Supporting documentation enclosed : Copy of my XXXX Passport Card ( current legal name ) ; Copy of my Marriage License ( proof of legal name change ) ; Copy of my current XXXX XXXX bill ( proof of Washington residency ). 
These documents satisfy reasonable identification under FCRA 610 ( a ) and must not be used to delay or deny my request. 

Although this complaint concerns my individual record, the same practices XXXX be harming other Washington consumers if data is being furnished or shared without proper verification or licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation