vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : XXXX XXXX Accounts in Dispute : XXXX charged off accounts listed for dispute on XXXX. 

Inquiries in Dispute : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments in Dispute : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX and XXXX XXXX XXXX : Auto Lease Issue : Incorrect information on lease contract and dealer refusal to correct I am submitting this complaint because the dealership entered incorrect information on all of my lease documents, and both the dealership and XXXX XXXX XXXX have been unable to correct the errors. I am requesting a full unwind and refund due to the contract being funded with inaccurate vehicle information. 
I leased a XXXX XXXX XXXX XXXX but the dealership listed the vehicle as a XXXX on every major document, including : * Retail Lease Agreement * Odometer Disclosure * Title/Registration Application * Buyers Order * Power of Attorney * XXXX submission paperwork * Lease contract filed with Stellantis My VIN clearly decodes as a XXXX XXXX and XXXX confirmed in their system that the vehicle is a XXXX. However, the dealership submitted all paperwork showing it as a XXXX. 
This creates a contract that is factually inaccurate, inconsistent, and can not be corrected cleanly, especially regarding the XXXX title and funded contract. These errors were made by the dealership, not me. 
When I contacted XXXX, they informed me that the dealership must acknowledge the error to open a contract correction or unwind review. XXXX confirmed that their system shows the correct vehicle, but the dealership documentation does not match. 
However, when I contacted the dealerships finance manager : * He refused to assist with an unwind, * He refused to provide his name, * He refused to acknowledge the paperwork errors, * He only offered to rewrite the contract, which does not correct XXXX filings or the originally funded contract, and * He refused to cooperate with Stellantis to submit the correction acknowledgment needed for Stellantis to begin their review. 
Because the dealership is blocking the correction process and XXXX can not proceed without dealer cooperation, I am stuck with an inaccurate and improperly documented lease agreement that does not reflect the vehicle I actually received.

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX & XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit report that has never been properly validated and does not meet federal accuracy requirements. 

This account, allegedly originating from XXXX XXXX, is being reported as a derogatory collection despite the collector failing to provide legally required debt validation under 15 U.S.C. 1692g. I have never received documentation establishing the amount of the debt, proof of ownership, or evidence that I am legally obligated for the alleged balance.

Reporting a debt to consumer reporting agencies constitutes collection activity and communication with third parties. Under 15 U.S.C. 1692c, such communication is impermissible when the debt has not been validated.

Additionally, the continued reporting of this collection violates the Fair Credit Reporting Acts requirements under 15 U.S.C. 1681 ( a ) ( 2 ) and 1681e ( b ), which require consumer reporting agencies and furnishers to follow reasonable procedures to ensure maximum possible accuracy. Jefferson Capital Systems has failed to demonstrate that this account is accurate, complete, or legally enforceable.l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I financed a purchase through Synchrony with a XXXX No Interest if Paid in Full promotional plan. I made consistent payments throughout the promotion and never missed a payment. I unintentionally missed the payoff date by a few days, and I was not aware there was a XXXX grace period. I only exceeded that grace period by XXXX days. At the time, I had about {$1000.00} remaining on the promotional balance. 

I did not receive any reminder, notice, or communication alerting me that the promotional period or the grace period was expiring. Once I learned the promotion had ended, I immediately paid the entire remaining balance in full, including the added interest. Despite the delay being only XXXX days beyond the grace period and the remaining balance being relatively small, I was charged nearly {$700.00} in deferred interest. This amount is extremely disproportionate and feels unreasonable and unfair. 

I contacted Synchrony multiple times requesting a courtesy adjustment due to the minimal delay, lack of reminders, and my perfect payment history, but they refused to waive the deferred interest

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My complaint is with capital one. I have an existing credit card with them and noticed on the app it said my account was restricted. I called them and they said they mailed a letter ( which I never received ) requesting info from me. They requested I fax a copy of my drivers license and sent me an email with what was mailed that I had to Pay to print. I asked several times if that was all they were needing and they stated yes. I went to the XXXX store and paid to have it faxed on XX/XX/XXXX. Then I called back on XX/XX/XXXX to check on the status and was told my drivers license was recieved and was fine that they also needed a copy of my Social security card. I had to pay to fax that as well. I was told this was all that was needed. Today I missed a call from capital one requesting a callback. I had to call back twice and both times was initially told that they could see someone called however they would just put a note to have them call me back again. I was confused because why would they say to call back only to be told they would reach out to me again. I then requested to speak to a supervisor who then informed me that I had been speaking to the wrong departments ( that they connected me to ) and actually they couldnt read the fax with my drivers license that I was told was fine. They also kept saying they tried to call me on XX/XX/XXXX and I have no missed calls or voicemails which was not a problem today. When I asked if I refaxed the documents if I could call back to check right away I was told no. At this point I feel as though something shady is going on. Im being told different things by different people while faxing personal information at my own expense and then not hearing anything for XXXX days if at all. The workers are unhelpful. Its odd to me they have an app where you can pay and make adjustments to your account but this documentation must be sent though fax at my expense which seems very archaic and not secure. I had to drive XXXX mins initially to fax the drivers license and was told that was all I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Applied for a modification which was approved & later set up a trial plan which I met successfully. They later sent me agreement form for final modifications which was I returned in timely manner as it was received but to my utmost dismayed I received some email about litigation, that was when I knew something is fishing with the program. I immediately called them to find out what was the issue then I learned because they received my response some days late that's why I was cancelled from the modification program & all the trial fund paid were applied to outstanding balance. What really frustrated me was, I wasn't alerted as soon as this occured, I have to contact them to to find out after approximately a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 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: NY

Complaint narrative:
XXXX XXXX XXXX account XXXX {$4700.00} must be removed from credit file as it is a result of fraud. Ftc was sent to companyXXXX XXXX XXXX account must be removed from credit file as it is a result of fraud

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 2025-12-08 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: NY

Complaint narrative:
XXXX  XXXX XXXX account XXXX {$4700.00} must be removed from credit file as it is a result of fraud. Ftc was sent to companyXXXX XXXX XXXXXXXX account must be removed from credit file as it is a result of fraud

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 2025-12-08 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX account XXXX {$4700.00} must be removed from credit file as it is a result of fraud. Ftc was sent to companyXXXX XXXX XXXXXXXX account must be removed from credit file as it is a result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: IN

Complaint narrative:
A collection account from Rent Recovery Solutions for {$1200.00} is reporting on my XXXX  credit report. The alleged original creditor is XXXX XXXX and the account shows a date opened of XX/XX/year>. 

I am disputing this account because the furnisher has not provided any documentation proving that the debt is valid, accurate, or legally collectible. I have not received : A lease A move-out statement An itemized list of charges A final account ledger Proof that the amount is accurate Proof that the debt was properly assigned to the collection agency Despite this, the company continues reporting the account to XXXX  with a balance of {$1200.00}. 

This is a violation of the FCRA ( unverified information can not be reported ) and the FDCPA ( failure to validate upon request ). 

I am requesting that the CFPB require the company to either : 1. Provide full validation and all supporting documents, or 2. Delete the account from my credit report for failure to provide proof.

Its not even on my other credit bureau files this is not me

Company response to consumer: Untimely response