vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00}

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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Amazon store card by Synchrony. I am being charged a payment security fee every month. I contacted the company and was told this has been ongoing since 2016 when i started my account. I requested to cancel and refund the entire amount that I have been billed for this service. I was told I'm only eligible for 12 months of refund as a courtesy.

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 2025-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: NY

Complaint narrative:
Multiple calls in 2025 legal threats harsh tone, threats to make me pay them. Threats of summons. Stated that I owe check n go money. XXXX XXXX I never took a loan with check n go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 


XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 



Sincerely, 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 2025-07-31 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: MO

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 may 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s-2, data furnishers and consumer reporting agencies have a legal obligation to report information that is complete and accurate.

I previously disputed this public record. I don't agree with the results of your investigation.Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: VT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
REPORTING INCACCURATE BILLING DATA THIS IS AN FCRA VIOLATION PLEASE DELETE FROM MY CREDIT REPORT.

ACCORDING TO 15 USC 1681i PLEASE PROVIDE THE BELOW PROVIDE CHAIN OF CUSTODY MASTER PROMISSORY NOTE MOHELA STUDENT LOAN ACCOUNT XXXX IF UNABLE TO PROVIDE DELETE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: WA

Complaint narrative:
In XXXX of XXXX My Ex-Husband filed a Bankruptcy w/o my knowledge or acceptance in which we then filed for Divorce. Harley Davidson was included in his XXXX  XXXX Bankruptcy filing. They are currently reporting on my credit ( I am the divorced wife ) a balance owing of {$5100.00} and a monthly payment of {$5400.00} which doesn't even make sense. They also report balance updated XX/XX/XXXX but last payment made XX/XX/XXXX. The balance for me should say " XXXX '' and account closed. The monthly payment is XXXX  by debt ratio by 139 %. The payment if any is being made by the Trustee. They are not to be reporting this as 'charge off ' either. I have tried numerous times to dispute and written letters almost every year since XXXX. Harley has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX account was removed from my Equifax report on XX/XX/year>, yet it still appears in Experians report as Equifax data with a {$15000.00} balance. This violates FCRA 1681e ( b ) and 1681i. I request immediate removal from all shared data systems and confirmation within 15 business days, or I will escalate to the CFPB and FTC for noncompliance and false data 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
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I filed a fraud claim with Citizens Bank regarding unauthorized transactions totaling {$800.00} on my account ending in XXXX. My phone and personal belongings were stolen, and I had no access to my account during the time these transactions were made. The claim included the following charges : {$150.00}, {$21.00} ( twice ), {$100.00} ( XXXX times ), {$100.00}, {$38.00}, {$9.00}, {$100.00}, {$50.00}, and {$20.00}. 

Despite this, Citizens denied my claim, stating the activity resembled prior use. They provided no IP addresses, location data, device IDs, or merchant logs to verify this was in fact me. I was not in possession of my phone at the time. Their decision was made within 8 business days, so they are using the Regulation E 10-day clause to avoid issuing provisional credit. 

I am requesting a formal reinvestigation and documentation of : Transaction XXXX  ( IP, geolocation, time stamps, device ) Any internal fraud tracking they used to justify the denial Proof that these transactions were performed by me while I had physical access to the account This denial has caused financial and emotional distress, and I believe it was made prematurely without sufficient evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
I believe these accounts are fraudulent and unrelated to me. Please look into this matter thoroughly and remove them from my credit report. I have included the necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
I get multiple calls every day. They are spoofing numbers which is illegal. Every time they call me from a local number with the XXXX area code. I've called them multiple times to tell them to stop and to request more information and they hang up on me every time. This has been going on for months now. They won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
This item in question was written off after the vehicle was repossessed despite an active payment agreement. Although the debt was removed from company books and tax adjustments/breaks were made because of the debt cancellation, it continues to be reported to consumer agencies as an outstanding balance which is inaccurate. A 1099-C form for cancellation of debt over {$600.00} was not received, nor was any related disclosure provided. These actions do not align with FCRA guidelines, IRS regulations, or GAAP. 

GM FINANCIAL  - ACCT # XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I paid the account in full, and it has been satisfied. Despite this payment, the account continues to be reported as unpaid on my credit report, which is inaccurate and misleading. 

I have taken the following actions regarding this matter : Dispute Filed with XXXX  : I have I submitted a formal dispute to XXXX  regarding the inaccurate reporting of this account. I provided documentation proving that the account had been paid in full. 

Documentation Provided : I included payment confirmation and any relevant statements indicating that the account was satisfied. 

This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) : This section mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Given that I have provided proof of payment, the continued reporting of this account is unfounded.

FCRA 1681s-2 ( a ) : This section requires furnishers of information to provide accurate information to credit reporting agencies. Reporting this account as unpaid when it has been satisfied is a clear violation.

The inaccurate reporting is negatively impacting my credit score and financial standing. I request that immediate action be taken to correct this information and ensure that the account is reported as satisfied and paid in full.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid the account in full, and it has been satisfied. Despite this payment, the account continues to be reported as unpaid on my credit report, which is inaccurate and misleading. 

I have taken the following actions regarding this matter : Dispute Filed with XXXX  : I have I submitted a formal dispute to XXXX  regarding the inaccurate reporting of this account. I provided documentation proving that the account had been paid in full. 

Documentation Provided : I included payment confirmation and any relevant statements indicating that the account was satisfied. 

This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) : This section mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Given that I have provided proof of payment, the continued reporting of this account is unfounded. 

FCRA 1681s-2 ( a ) : This section requires furnishers of information to provide accurate information to credit reporting agencies. Reporting this account as unpaid when it has been satisfied is a clear violation. 

The inaccurate reporting is negatively impacting my credit score and financial standing. I request that immediate action be taken to correct this information and ensure that the account is reported as satisfied and paid in full. 

Thank you for your prompt attention to 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