vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On multiple occasions I requested proper validation and documentation from Synchrony Bank regarding an alleged account reported on my credit report. Instead of providing the requested validation, Synchrony sold or transferred the account to third-party debt collectors without addressing my disputes. 
Despite my written disputes and requests for verification, Synchrony failed to provide the original contract, itemized statements, or proof of ownership at the time of reporting. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they continued to allow inaccurate and unverified information to be furnished to credit bureaus. 
This has caused significant harm to my credit reputation and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that are harming me financially and emotionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Subject : SECOND ATTEMPT FOR DELETION / CAINE & WEINER ACCOUNT XXXX To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint against XXXX XXXX, and XXXX regarding account XXXX reported by Caine & Weiner, which remains inaccurate on my credit file despite prior disputes. This is my second attempt for deletion, and the credit bureaus and collection agency has failed to conduct a proper reinvestigation or correct/delete the information. 

Violations : No signed agreement, no validation, misleading tradeline Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ), XXXX  is legally required to : Conduct a reasonable reinvestigation of all disputed information. 

Correct or delete any information that is inaccurate, incomplete, or unverifiable. 

Ensure that reporting complies with Metro 2 standards, including : I = Information Disputed by Consumer U = Unable to Verify E = Error They failed to meet these obligations, leaving inaccurate and unverifiable information on my credit file. This failure harms my consumer rights and financial standing. 

Requested Resolution : I demand immediate deletion of all inaccurate or unverifiable information related to Caine & Weiner account XXXX from my XXXX  credit report, along with written confirmation of the corrections made. 

Please note that if the bureaus and Caine weiner does not comply, I am prepared to pursue all remedies available under 15 U.S.C. 1681n, including : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
I used Klarna to purchase items on XXXX, on XX/XX/year>, then cancelled the order ( confirmed by XXXX ). The amount was {$38.00} Klarna paused payments but has now reactivated them, attempting to collect money I do not owe. I repeatedly requested written confirmation that I would not be billed, but Klarna only gave vague verbal assurances and failed to resolve the issue. Despite multiple contacts and a XXXX  complaint, Klarna continues unauthorized billing. I am requesting the payment plan be closed immediately and written confirmation that my account will not be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that are harming me financially and emotionally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I have submitted a request from collection department for the following and it has not been answered in over 60 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> I.C. SYSTEM, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Information Regarding Debt Claim To Whom It May Concern, I am writing to formally request information regarding the debt claim that has been reported on my credit report. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am entitled to request detailed information about the debt that your company claims I owe. 

Re : XXXX XXXX Original account :? 
XXXX Number : XXXX Alleged Debt owed : {$210.00} I would appreciate it if you could provide me with the following information : XXXX. * * Verification of the Debt : * * A detailed statement that verifies the debt, including the original creditor 's name and address. 
XXXX. * * Documentation : * * Copies of all relevant documentation, including but not limited to the original signed contract or agreement and any account statements. 
XXXX. * * Payment History : * * An itemized statement of all transactions related to this account, including any payments received, fees added, or adjustments made. 
XXXX. * * Collection Practices : * * The name and address of any previous creditor, if applicable, and confirmation of the last payment made on the account. 
XXXX. Personal or Business Account : * * Specify whether this is a personal or business account and reason for reporting to personal account * * Please provide the requested information within 30 days of receiving this letter. If you are unable to verify this debt, you must inform the credit reporting agencies to remove it from my credit report. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 
I will use this information that you send to forward to the associated federal and state agencies for further review to vent my rights for consumer fraud and protection. I have already filed a letter of complaint with the state and federal applicable agencies for my personal protection from fraud and consumer protection. 

Sincerely, Best Regards, 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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
On XX/XX/year>, I was notified by TransUnion that my personal information was exposed in a data breach. According to the notice, the breach may have included my name, date of birth, Social Security number, and other sensitive identifying information. 
Since receiving this notice, I have discovered multiple fraudulent credit inquiries and accounts appearing on my credit report that I did not authorize. These accounts and inquiries are negatively affecting my credit standing and pose a serious risk to my financial security. I am requesting immediate assistance in investigating and removing these fraudulent accounts and inquiries from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/year> @ XXXX a debt collector from Calvary Portfolio contacted someone I am no longer with, separated, and told them I owed a debt with XXXX XXXX, told him how much I owed, the last time I paid and the date it got sent to collections. I feel that is an invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
In XX/XX/year>, I financed a vehicle through XXXX XXXX and purchased a XXXX XXXX contract from AutoNation as part of the loan. On XX/XX/year>, I was involved in a collision in XXXX, AZ. The police report ( attached ) confirms that I was not at fault. My insurance company declared the vehicle a total loss. 

Per the XXXX agreement, the remaining balance on the loan was supposed to be covered after the insurance settlement. However, AutoNation XXXX failed to honor their contractual obligation, leaving a deficiency balance that XXXX XXXX later pursued. This failure caused improper negative reporting on my credit file, even though XXXX XXXX  was specifically purchased to prevent this outcome. 

I have attached a copy of the police report and supporting documentation showing I had active insurance and XXXX  XXXX. This balance should have been satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> @ XXXX a debt collector from XXXX XXXX XXXX someone I am no longer with, separated, and told them I owed a debt with Best Buy, told him how much I owed, the last time I paid and the date it got sent to collections. I feel that is an invasion of privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent keeps providing me with history of payment and usage but has not provided an application signed by me. They have not provided proof of any usage from a merchant or any thing with my signature on it. I have not used this credit card and have advised them of the information several times. They are asking for proof that theft has been caught which I don't have because I don't know who it was that used my identity. I have provided them with the police report, notarized FTC report and they are still asking and refusing to remove the negative mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently reviewed my credit report and noticed some inquires that I did not authorize. Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I had USAA a few years back however my condo was broken into and my safe was stolen Which had my bank documents passport a backup ID and my social security card my USAA bank account was hacked I was locked out and I had no luck recovering my account besides me getting a letter that USAA was ending my banking relationship I previously reached out to them to get this fixed and no help well I get a check in the mail today from USAA and try are saying they had a inconsistent bank processes may have caused me an inconvenience

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was sent a " bill '' in the mail and learned that they are a security bond with a remittance coupon attached to them and according to the Bill of Exchange Act of XXXX, I am to indorse my negotiable instrument, as the holder for accord and satisfaction. 
I also added that according to : EXTINGUISHEMENT OF OBLIGATION XXXX  XXXX Article XXXX " If the creditor to whom tender of payment has been made refuses without just cause to accept It, the debtor shall be released from responsibility by the consignation of the thing or sum. '' I also stated in my cover letter : " Therefore, and per the above, let the trustee settle the claims, for which I do hereby hive my permission. Sincerely, a consumer exercising their rights. '' " All Rights Reserved Without Prejudice, Without Recourse. " The sent me a corresponding letter informing me by saying, " We are in receipt of the documentation you submitted regarding your Navy Federal account ( s ). 
The documents you provided do not release you from your obligation to Navy Federal, and you remain responsible for the repayment of your debt ( s ). '' They also threatened me by saying, " We may report information about your account ( s ) to the credit bureaus. Late payments, or other defaults on your account ( s ) may be reflected in your credit report. '' Aside from Navy Federal Credit Union not recognizing a negotiable instrument in law, they never returned my documents and payment theat they said they were in receipt of, which should be accepted as payment received according to Extinguishment of Obligation XXXX  XXXX Article 1256, HJR-192, 15 USC 193o-1 , 18 USC 8, UCC 411, UCC 3-419, UCC 3-303, UCC 3-603, UCC 3-104, 31 USC 3123, 31 USC 5103 , 12 CFR 1026.13, in which they are in violation of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately. 

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
So I have filed multiple claims with both the credit card company and when that response did not make sense nor did anything they had to say. They told me contact the collection agency, which I did. The said they were investigating and never did. I then filed a dispute with Equifax which did not examine either. they sent me back a reply that said this account verified. Every time and there will multiple that I report and say I want all of the information verified individually and not by XXXX they don't even attempt to handle my dispute. I am attaching a copy of the letter sent to the bureau as well as the date and record of signature as well as a letter from Equifax that says states account verified. This has broken I don't know how many of the CFPB legalities, as well as the stress this has created for myself and my family. This is uncalled for and need to be dealt with. I want this record deleted from my credit file as according to them doesn't exist anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: DE

Complaint narrative:
Re : Complaint Against XXXX XXXX XXXX XXXX XXXX, Mishandling of Mortgage Account, and Foreclosure Concerns Dear CFPB, I am filing this complaint regarding XXXX XXXX XXXX and the servicing of my mortgage account. 

Summary of Issue : Last week, I received an envelope from XXXX XXXX dated XX/XX/2025. Inside the same envelope, I found XXXX separate borrower letters : 1. A letter addressed to me, XXXX XXXX XXXX ( Loan # XXXX, XXXX XXXX XXXX, XXXX, DE ). 
2. A letter addressed to a different borrower, XXXX XXXX XXXX ( Loan # XXXX, XXXX XXXX XXXX, XXXX, VA ). 

Both sets of documents were mailed together to me. This means I was sent another customers personal loan/account information along with my own. 

This is a clear data and privacy breach. It raises serious questions about whether my own private information has been improperly disclosed to others. 

Impact and Concerns : I am extremely concerned that this error puts me at risk of identity theft and financial harm. Out of caution, I am in the process of locking my credit files with the major credit bureaus. 
XXXX XXXX has also sent me paperwork asking me to sign and return documents immediately, which I can not do in good faith while their records are inaccurate and privacy controls are compromised. 
At the same time, XXXX XXXX is pursuing foreclosure action against my home at the end of this month. With such serious account mishandling, I fear the foreclosure process XXXX be based on flawed or commingled records.

Company response to consumer: Closed with explanation