vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, I received an email from PayPal Cashback World Mastercard ( issued by Synchrony Bank ) stating that a new billing statement was ready. The statement showed a balance of {$510.00} with a minimum payment due of {$29.00} by XX/XX/year>. 
I did not open or authorize this credit card account, nor did I make any purchases associated with it. I believe this may be a case of identity theft or unauthorized account activity. 
I disputed the charges with the issuer and requested documentation regarding how and when the account was opened. I have not received a physical card, nor did I initiate any application for this product. 
I am requesting that the account be closed, the charges removed, and any impact to my credit report reversed.

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Attempted to have CitiBank N.A. validate a debt by me ( consumer ), sending a validation of debt letter via certified mail XXXX in which they received on XX/XX/year>. They failed to validate the debt by providing the name and address of the original creditor per 15 US Code 1692. I ( Consumer ) sent CitiBank XXXX. a cease and desist notice via certified mail XXXX in which the received on XX/XX/year>. I later sent an Affidavit of Truth. I then submitted a CFPB complaint as number XXXX in which CitiBank responded by stating " We received your written request to stop all collections contact with you regarding your accounts. This includes telephone calls to your home, work, and cell phone numbers, text message, letter, chat and emails. We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your accounts. '' Since this last communication I have not heard from them attempting to validate the debt in any way until CitiBank N.A. decided to hire an attorney by the name of XXXX XXXX XXXX XXXX XXXX. They sent me a XXXX XXXX XXXX XXXXXXXX ( d ) ( XXXX ) form along with a letter on XX/XX/XXXX and then sent me a letter on XX/XX/XXXX stating who the original creditor is without any proof attached. XXXX XXXX XXXX XXXX XXXX violated the cease and desist notice twice in which is subject to {$1000.00} violation for each occurrence per 15 US Code 1692k. 

This is backed up by case law ; " In XXXX XXXX XXXX, the court rejected a debt collectors argument that using XXXX XXXX XXXX granted a safe harbor from all FDCPA claims. The court held that while Reg F provides a safe harbor for alleged violations of the information and form requirements of the validation notice context, that safe harbor does not extend to alleged FDCPA violations unrelated to those form/information requirements ( e.g., 1692c ( c ) ). 

I also consider this form deceptive according to 15 US Code 1692j ( a ), which is subject to another {$1000.00} violation.

See the attached invoice for {$3000.00} for violations committed by XXXX XXXX XXXX XXXX XXXX. 

I have so many questions and concerns about how an Attorney can name the original creditor in a few days but the " creditor '' can't in 7 months? Seems very deceiving and a question of fraudulent activity especially not showing a requested promissory note and/or paper trail of where the credits originated from.

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 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I filled XXXX XXXX bankruptcy XXXX lawyer told me to contact PayPal XXXX now pay later because this account is included in my case.The PayPal representative told XXXX to send them legal documents of my bankruptcy which I did and they received the documents because the representative said that he seen it through the email that he provided .Then he said that he couldn't close my account out even with the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
The company is reporting an incorrect balance on my XXXX XXXX credit card account. As of XX/XX/XXXX, the credit bureaus began reporting a balance of approximately {$350.00}. This information is inaccurate. 

On XX/XX/XXXX, I made the final payment on the account, and the balance immediately dropped to {$0.00}. The creditors online portal reflected a current balance of {$0.00} and a restored credit limit with full available credit. Despite this, the credit bureaus have continued to report the outdated {$350.00} balance.

I contacted the creditor directly, and the payment was confirmed as processed. No further payments were due, and the account has been in good standing.

The inaccurate reporting is affecting my credit utilization and overall credit profile. I am requesting that the company update the account to reflect the correct current balance of {$0.00} and ensure that no past-due amounts or incorrect balances continue to be reported.

This is a request for correction under the Fair Credit Reporting Act, as the information being furnished is not accurate and is not being updated in a timely manner.

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 2025-11-16 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: NC

Complaint narrative:
I am submitting this complaint because multiple items appearing on my credit reports are false, inaccurate, and unverifiable, and the credit bureaus and furnishers have failed to properly investigate or correct them as required by the FCRA ( Fair Credit Reporting Act ).

Below are the specific issues : 1. Wrong Addresses Reported ( Not Mine ) These addresses do not belong to me, I have never lived at them, and they are appearing on my credit report without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I demand a full investigation and immediate removal of these incorrect addresses from my credit file.

2. Accounts Reported as Charge-Off I Have No Knowledge of These Accounts These accounts are being reported as charge-offs, but I have no knowledge of ever opening, authorizing, or owing any debt related to them. They are unfamiliar, unverified, and fraudulent : XXXX  XXXX ( XXXX ) * High Balance : {$870.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) * High Balance : {$25000.00} Date Opened : XX/XX/XXXX I request that the CFPB require the furnishers and credit bureaus to provide full validation, and if they can not, these accounts must be deleted immediately.

3. Collection Account I Have No Knowledge of This Account This collection account is unfamiliar and not mine, and I have not received any required validation notice : XXXXXXXX XXXX XXXXXXXX ( XXXX ) * High Balance : {$1100.00} Date Opened : XX/XX/XXXX I request a full investigation and deletion due to lack of verifiable proof and failure to follow proper collection procedures.

4. Late Payment Reporting Inaccurate History The following account is reporting a late payment that is completely inaccurate.

I have never been late, and the payment history is incorrect : XXXX ( XXXX ) * High Balance : {$41.00} Date Opened : XX/XX/XXXX I demand correction of the inaccurate payment history immediately.

Requested Action I am requesting the CFPB to enforce the following : Require the credit bureaus and furnishers to provide proper verification as required under FCRA 609 and 611.

Remove all unverified, inaccurate, or fraudulent accounts.

Remove all wrong addresses from my credit report.

Correct the inaccurate late payment history.

Ensure all furnishers comply with federal reporting guidelines.

These errors are harming my credit, causing financial damage, and violating my rights under the FCRA.

Conclusion I request immediate action to correct these serious inaccuracies. Please provide me with written confirmation of your investigation and the steps taken to resolve these issues.

Thank you for your prompt attention.

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 2025-11-16 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: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
PennyMac Loan Services LLC has ignored my requests for validation and standing. They have been reporting negative tradelines selectively and prejudiciously attempting to coerce me into making a payment, though, they have not printed standing, are not the XXXX of the Note ( XXXX XXXX is ), in bad faith attempted to finally record an assignment during litigation. Some months they will be XXXX XXXX XXXX XXXX  ) while all the months they will issue a XXXX days late tradeline. My co-signer and I have been hit with irrepitable harm due to their unjustified reporting. 
Comparing the public facing account summary with their internal account summary shows MULTIPLE XXXX XXXX  entries. They are the alleged servicer and are supposed to be receiving payments and applying them properly, yet, they pretend to apply payment to XXXX XXXX XXXX and escrow yet they actually place the payment in Suspense, giving them full control of the fun still. They then carry the payments in suspense forward sometimes for beyond XXXX days and XXXX days then carry it over as a payment with XXXX amounts being applied to XXXX XXXX XXXX and XXXX. They will show charges and have entries on there internal account summary yet these entries are omitted from my public facing account summary. 
They have suspicious charges for home insurance premium at the end of a year yet at the same time showing my insurance premiums were paid in full in XXXX as the policy goes from XXXX to XXXX. They have charge me multiple corporate advances as well as property inspections yet I received no notice prior to or after any supposed property inspection was conducted. No report has ever been provided. 
They have never provided me with account summaries for the years XXXX. I only have account summaries from XXXX to the present So I'm missing account summaries for XXXX years. PennyMac Loan Services LLC Is in breach of their fiduciary duty, in violation of XXXX XXXXXXXX & XXXX. They're missing account some reason bookkeeping deficiencies, constructive misapplication and ledger discrepancies, concealment and documentary discrepancies. These are not XXXX off violations but are repeatedly done and show a pattern which could result in State and/ or Federal XXXX charges. 

I am happy to sent your office via certified mail or email any documentation you request. I have diligently thumbed through there internal account summary ledger as well as my public facing account summary and have clearly outlined the XXXX XXXX  entries, entries showing on their internal account summary ledger yet are omitted from the public facing ledger, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I seen a collection on my credit report that I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One XXXX XXXX account ending in XXXX was restricted and closed under Case # XXXX after Capital One attempted an ACH payment from a XXXX account that had been closed nearly two months earlier. This XXXX account had been used for insurance tracking and was closed on XX/XX/year>. The Capital One mobile app incorrectly displayed the closed account as a selectable funding source, and Capital One attempted to pull a {$29000.00} payment from it on XX/XX/year>. XXXX returned the ACH solely because the account was closed.

Capital One subsequently restricted and closed my account, but none of their letters ever identified what specific information they required. All notices simply instructed me to call us, without stating the cause or the documentation needed. Because no specific requirement was communicated, I was unable to cure the issue.

I made over XXXX XXXX in payments, frequently paid balances to XXXX, carried no interest, and had no late payments prior to Capital Ones restriction. Late fees occurred only after the restriction. Capital One is holding approximately XXXX XXXX rewards points and advising that I may forfeit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National Credit Adjusters ( NCA / NATCREADJ ) CFPB Complaint What happened? 

National Credit Adjusters is reporting illegal re-aging, conflicting status codes, missing required fields, and duplicate tradelines across XXXX, XXXX, and XXXX. The account shows : Last Payment Date : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXXXXXX  Reported : XX/XX/XXXXXXXX  This is chronologically impossible and violates the FCRA requirement to report the true Date of First Delinquency. XXXX displays 120 days late, while Experian shows collection/charge-off, and XXXX  omits the Last Payment Date entirely. 

NCA also failed to apply the required dispute notation on all bureaus. 

These errors violate : 1681s-2 ( a ) ( 1 ) 1681s-2 ( a ) ( 3 ) 1681s-2 ( a ) ( 5 ) 1681e ( b ) 1681i ( a ) 1681c ( a ) ( illegal re-aging )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Fl XXXXXXXX XXXX XXXX XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : ] [ Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX  ] Dear [ Equifax information Service LLC, XXXX TransUnion ] I am writing to formally dispute the accuracy of a charge-off account that appears on my credit report. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which gives me the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable.

The account in question is listed as follows : Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Reported Status : Charge-Off Date Opened/Reported : [ XX/XX/XXXX last date reported XX/XX/XXXX ] Creditor Name : [ XXXXXXXX XXXX credit union ] Account Number XXXX [ XXXX ] ] Reported Status : Charge-Off Date Opened/Reported : [ XXXX last date reported XX/XX/XXXX ] After reviewing my records, I believe this reporting is inaccurate and/or unverifiable. 
Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of this disputed information. If the creditor or furnisher can not verify the accuracy of the charge-off entry within 30 days, it must be deleted from my credit report.

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 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-16 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-16 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: SC

Complaint narrative:
XXXX XXXX is reporting a closed loan as 120 days late, which is inaccurate and misleading. No delinquency can occur after an account is closed. Payment history fields are incomplete or missing.

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX is reporting a closed loan as 120 days late, which is inaccurate and misleading. No delinquency can occur after an account is closed. Payment history fields are incomplete or missing.

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( 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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + CHECK SYSTEMS CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION 1 REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX  Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SECTION 3 SECONDARY & SPECIALTY BUREAUS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION 4 BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION 5 UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA.

I request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt.

SECTION 6 REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION 7 CERTIFICATION I certify that all information provided is true and correct. 


Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation