vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
United Auto Credit is reporting materially inaccurate and unverifiable information across credit bureaus. 

On XXXX, this account is reported as Closed and last updated XX/XX/XXXX, while on XXXX  the same account is reported as Derogatory / Charge-off and last updated XX/XX/XXXX. Both account statuses can not be accurate simultaneously. 

Additionally, the payment history percentages differ ( Equifax reports 14 % on-time payments, XXXX  reports 17 % ), the last payment date is inconsistent ( XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX ), and the worst payment status differs ( Charge-off vs 90119 days late ). 

XXXX  also reports no highest balance, while TransUnion reports a highest balance of {$12000.00}, demonstrating incomplete and inconsistent data furnishing. 

Due to these material inconsistencies, this account can not be verified as accurate or complete under the Fair Credit Reporting Act. I am requesting immediate deletion of this tradeline from XXXX XXXX XXXX unless United Auto Credit can provide full documentary verification of each disputed data element.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I requested a replacement Citi AAdvantage credit card after noticing unfamiliar charges of {$3.00} on my account and becoming concerned about potential fraud. At that time, I did not have access to my physical card. 

Citi informed me that a replacement card would arrive on XX/XX/XXXX. I relied on this information, especially because I had upcoming travel scheduled. 

The card did not arrive on XX/XX/XXXX as promised. I traveled on XX/XX/XXXX. 

On XX/XX/XXXX, the first replacement card was delivered to my home address. Even though I was already traveling, I requested activation of that card because it could have been activated remotely through the Citi mobile app and added to my digital wallet. My spouse could have provided a photo of the card if needed. 

Citi refused to activate the card delivered on XX/XX/XXXX and instead required me to wait for a second replacement card. This decision was not based on any action by me, but solely on XXXX internal process. 

Citi did not notify me when the second replacement card was delivered. I only discovered through the Citi mobile app that the second card was marked as delivered on XX/XX/XXXX. Until that point, I had no confirmation that any usable card was available. 

Because Citi refused to activate the card delivered on XX/XX/XXXX and did not provide timely access to the second card, I was forced to use a different credit card for all expenses from XX/XX/XXXX onward. 

As a result, I lost the ability to earn AAdvantage miles on these expenses, which is the primary benefit of this card. Citi also failed to respond to my written complaints during this period, preventing any timely resolution.

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 2025-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One failed to provide documentary evidence supporting the alleged late payments, despite multiple written requests. Under XXXX U.S.C. XXXX, a payment can not be treated as late unless the billing statement was delivered at least XXXX  days prior to the due date. Capital One has not produced billing statements, proof of mailing, or evidence of compliance with XXXX U.S.C. XXXX ( b ), nor proof of required notice under XXXX U.S.C. XXXX ( a ) ( XXXX ). Their response relies solely on assertions, not evidence, and constitutes an evasion of my lawful dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-14 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau. I'm XXXX XXXX. Attached is proof of six charges on my Chime account I never made. Total : {$1400.00}. First five : claim XXXX, filed XXXX fifth. Details : XXXX XXXX XXXX  {$120.00} XXXX  XXXX XXXX XXXX  {$98.00} XXXX XXXX  XXXX XXXX  {$97.00} XXXX XX/XX/XXXX XXXX XXXX  {$310.00} XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  {$61.00} XXXX XXXX XXXX. Last one : claim XXXX, filed XX/XX/XXXXXXXX XXXX XXXXcharge posted XXXX XXXX. They denied everything. Even the one I caught in under an hour. I don't know how they got my info, but Chime did nothing. Force them to pay me back and tell 'em to tighten up. Thanks. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PINNACLE FINANCIAL PARTNERS, INC.

Complaint narrative:
I have been trying to access my account to pay my bill, look at my statement, etc, but have not been able to get into my account in months. The company has not answered emails, and I can not call their number because I am not in the XXXX currently. They are taking payments out of my checking account and I can't even see how much I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a XXXX XXXX mattress by phone on XX/XX/year>. 
I was verbally offered 24 months no-interest financing. 
I never received any written contract or XXXX in XXXX disclosure. 
A Synchrony Bank representative confirmed in writing that there was never a contract. 
Synchrony charged {$1000.00} in deferred interest claiming a XXXX promotion. 
Statements and email reminders do not replace legally required disclosures.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint regarding Jefferson Capital Systems for reporting a collection account that has not been properly validated. 

Jefferson Capital has failed to provide proof of ownership, a signed contract, or documentation verifying the balance owed. The account is inaccurately reported and does not meet the requirements of FCRA XXXX U.S.C. XXXX for completeness and accuracy. 

I am requesting deletion of this account from my credit report or immediate validation with legally sufficient documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica
State: VT

Complaint narrative:
I have used XXXX XXXX XXXX for 8 years and last XXXX I did not receive my XXXX dollar funds to my card with them and the balance was XXXX on my card that had a XXXX dollar balance when I called they stated for my protection they locked my card and they will be sending a new card when I tried to use my new card the balance was negative {$13.00}! I called and they said I would have to send pic state Id so I did and they said a new card is on the way I never got one. I lost my housing as they have had me sending birth certificate Ssi card and id over and over fax email mail and they say oh it's denied my social worker has several emails where they said my id is expired good 2029

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-14 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: GA

Complaint narrative:
I am filing this complaint due to continued inaccurate reporting on my credit file despite prior disputes. These errors violate the Fair Credit Reporting Act ( FCRA ) and have caused financial harm. 

Address Reported : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NV XXXX This address does not belong to me, and I have no knowledge of this address ever being associated with my identity. Reporting an address that is not mine indicates that Equifax is maintaining inaccurate personal information in violation of FCRA 609 ( a ) and FCRA 611 ( a ). Additionally, under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

I am requesting this address be deleted immediately from my credit file. 

Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is also not mine, and I do not recognize or authorize its reporting on my credit profile. The continued reporting of incorrect personal identifiers may cause mixed files and serious consumer harm, which violates FCRA 607 ( b ) and FCRA 611 ( a ) ( 1 ).

Please delete this address from my Equifax credit report without further delay. 

XXXX XXXX  Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account is being reported with late payment information that I believe is inaccurate and not properly verified. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that is inaccurate or misleading. Furthermore, FCRA 611 ( a ) requires Equifax to conduct a reasonable reinvestigation when the accuracy of reported information is disputed.

I am not requesting deletion of this account ; however, I am formally requesting that all inaccurate late payment history be corrected or updated to reflect accurate information only. 

XXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Status : Charge-Off I have no knowledge of this account, nor do I recall ever entering into any agreement with this creditor. Equifax is required under FCRA XXXX ( a ) ( XXXX ) to provide proper verification and proof of this accounts accuracy. Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates deletion of any information that can not be fully verified after reinvestigation. 
Since this account has not been properly validated, I am requesting that this charge-off account be deleted from my credit report. 

I respectfully request CFPB assistance to ensure full compliance with the FCRA. The continued reporting of inaccurate information demonstrates a failure to conduct a reasonable investigation. I am requesting immediate correction and deletion as outlined above, along with written confirmation of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
This complaint is filed against the debt collector, I.Q. Data International, for violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting an alleged debt to consumer credit reporting agencies before providing legally required debt validation. 

I received initial communication from a family friend that they had received a letter regarding regarding this alleged debt ( amount : {$890.00} ) from the debt collector. 

After finally establishing communication after several attempts to call agency because of from " person assigned to me being on break or lunch '' every day I would call, I spoke with woman whom I made clear I wanted these items to go forward : -The original creditor 's name and address -The full account number and amount allegedly owed XXXX detailed breakdown of the balance ( principal, interest, fees ) -Proof of ownership of the debt and your authorization to collect it -A copy of the original signed contract or agreement -The date of last payment and itemized payment history -Proof that the debt is within the statute of limitations for collection in my state I was informed that I would need to mail a physical letter to them in order to do so and told them I would be promptly doing so. I exercised my rights under the FDCPA by mailing a written Debt Validation Request to I.Q. International via XXXXXXXX XXXX A copy of this letter can be provided. 

Despite receiving my written dispute, the debt collector unlawfully reported this account to the credit bureaus ( XXXX XXXX XXXX XXXX ) on or about [ XX/XX/year> ], BEFORE providing me with the requested validation after speaking on the phone and confirming that they would be awaiting my letter. 

The action of reporting the debt before validation is a clear violation of 15 U.S.C. 1692g ( b ), which requires a collector to cease all collection activity including credit reporting until verification of the debt has been mailed to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
I am submitting this statement to report that I am a victim of identity theft. 

This account has been opened in my name without my knowledge, authorization, or consent : XXXX XXXX  - XXXX XXXX XXXX I did NOT apply for, open, or use this account, and I did NOT give permission to anyone or company to access or use my personal information for this purpose. 

This account was not created by me. I have never had any relationship with the creditors associated with this unauthorized account. 

I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act. 

I am being harassed daily every morning before XXXX with calls from XXXX XXXX XXXX a collection furnished on my EXPERIAN credit report that does NOT pertain to me. 

Please block and remove this unverifiable item.

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 2025-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am disputing a $ XXXX fee charged by my mortgage servicer ( PennyMac ) for an alleged lapse in Wind and Storm insurance coverage. There was no lapse in coverage. 

I renewed both my Homeowners and Wind and Storm insurance ( XXXX  XXXX XXXX XXXX ) through PennyMac on XX/XX/XXXX, XXXX Renewal date XX/XX/year>. The Homeowners insurance company posted payment on XX/XX/XXXX and the Wind and Storm payment posted on XX/XX/XXXX. Despite this, PennyMac did not transmit the Wind and Storm payment to the insurer ( XXXX ) until XX/XX/year>. 

I have contacted PennyMac multiple times and was repeatedly told that a research ticket would be escalated to management for resolution. Additionally, PennyMac representatives acknowledged that the payment was sent by via overnight mail on XX/XX/XXXX and the initial payment may have been sent to the wrong address. Nevertheless, the late fee remains on my account. PennyMac has refused to remove the fee or correct my account despite multiple requests.

I have attached documentation showing timely renewal, post payments, PennyMacs delayed transmission, and my good faith efforts to resolve this directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I disputed with all thee credit beauraus that the loan for the car was paid off. It is affecting me getting a job. Ive been turned down my employers twice due to XXXX. The car was paid off in full for $ XXXX it shows on my credit report at XXXX  XXXX equifax and XXXX  XXXX that its a charge off. I paid the car loan off in 2022 or before and I still have the car. Fully paid. My career is dealing with money so if this is showing inaccurate on my report and prohibiting me from getting a job, this is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed with all thee credit beauraus that the loan for the car was paid off. It is affecting me getting a job. Ive been turned down my employers twice due to XXXX. The car was paid off in full for XXXX XXXXXXXX it shows on my credit report at XXXXXXXX XXXX XXXX and trans union that its a charge off. I paid the car loan off in XXXX  or before and I still have the car. Fully paid. My career is dealing with money so if this is showing inaccurate on my report and prohibiting me from getting a job, this is not ok.

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 2025-12-14 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: WA

Complaint narrative:
I disputed with all thee credit beauraus that the loan for the car was paid off. It is affecting me getting a job. Ive been turned down my employers twice due to XXXX. The car was paid off in full for $ XXXXyer it shows on my credit report at Experian XXXX XXXX  and XXXX  XXXX that its a charge off. I paid the car loan off in 2022 or before and I still have the car. Fully paid. My career is dealing with money so if this is showing inaccurate on my report and prohibiting me from getting a job, this is not ok.

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