vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV/Resurgent capital services closed my account with them in XX/XX/year> but they are still reporting my account to the credit bureau with the wrong information. When I login to their website it shows my account is unavailable to view at this time. When i called and spoke to a representative XX/XX/year> i was advised the account was no longer in their office and i needed to contact the original creditor credit one bank. They are also reporting incorrectly. They have the account status listed as open when the account was charged off last year. due to you reporting the wrong information i want the account removed ASAP or you leave me no choice but to file a lawsuit against your company for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank
State: TX

Complaint narrative:
Complaint Regarding SYNOVUS/FIRST PROGRESS/V Dear XXXX XXXX, I am writing to file a formal complaint against SYNOVUS/FIRST PROGRESS/V for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The debt collector has reported inaccurate information to the credit bureaus, failed to provide validation of the debt, and has used abusive and deceptive collection tactics. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means. The Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am writing to file a dispute regarding inaccuracies in my credit report with the credit bureaus listed below. I have identified multiple charged-off accounts, inquiries, and late payments that I believe are incorrectly reported. Below are the details of the disputed items for each bureau. 

Charged-Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXX XXXX XXXXL, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX XXXX, Account Number : 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 2025-12-02 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I reached out to Sallie Mae to make a plan to get my account current after some missed payments. We agreed on a payment plan that- if made on time for 3 months - would make my account current. I confirmed this fact with two representatives. Now that the 3 monthly payments have been made, I reached out to Sallie Mae again to confirm that my account is current and am now being told my account was never eligible for re-age. Sallie Mae says there is nothing they can do and they aren't sure why I was given misinformation by multiple representatives.

All conversations happened over chat and Sallie Mae does not maintain a record of chats. It feels like this is likely so that they can't be held accountable for any misleading offers made by their employees like the one I am currently experiencing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT XXXX : XXXX to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged 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 Listed below are the XXXX Information that are being challenged : XXXX XXXX XXXX XX/XX/2025. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Debt collection company : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Report Number : # XXXX Repeat calls, emails & texts If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 XXXX 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 XXXX is 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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I returned a vehicle that was under miles, perfect outside condition, brand new tires and they have charged an unreasonable amount for a minor seat stain that is NOT permanent as they have stated in the report. I called and spoke with a rep and a supervisor who hung up on me. I have offered to even clean the vehicle myself. The amount charged for something so minor is not ok. The seats DO NOT need replaced and I have the pictures to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year> I made a large {$20000.00} principal reduction payment to Mohela to pay down the majority of the balance of a student loan. I made the payment through my bank 's billpay system just like I make the monthly payments, and had made other principal reductions. I've continued making those payments through that same system with no other problems. 

The payment did not show up on Mohela 's online account website. I contacted Mohela and was told it may take some time to process since it was a larger than usual payment. That all interest and fees would be corrected. 

After a few weeks, still nothing showed. I contacted Mohela again, spoke to XXXX # XXXX on XX/XX/year>, and was told the same thing, that it could take a little while longer. 

On XX/XX/year>, I called again and spoke to XXXX # XXXX, was told the same thing, I asked to be transferred to a supervisor but was hung up on instead. 
Also on XX/XX/year> I uploaded proof of payment from my bank to Mohela 's online portal as instructed by XXXX prior to being disconnected. 

On XX/XX/year> I called again and spoke to XXXX # XXXX, she said it was determined that my bank 's billpay system had an old address for Mohela and the payment was being held until it could be determined where to apply it. She said she would submit the correction, to expect up to XXXX days before it would be applied. 

On XX/XX/year> I called and spoke to XXXX # XXXX. She confirmed that the funds had not been applied to the account, but that research into the matter had begun on XX/XX/year>. That it would take XXXX days. I said that it had been XXXX days already since I made the payment in XXXX, she said that it was XXXX days from XX/XX/XXXX, when they actually started looking into the missing funds. So I asked if that means I should call back in XXXX, since that is XXXX months from XXXX and she said no, that it is XXXX business days from XX/XX/XXXX. Meaning I should call back XXXX. 

I believe that Mohela is not taking this problem seriously, that the money could be found and applied within a few minutes by any other lender, and that they are just pushing me off in hopes that I will forget, or give up, or will force me to start over again in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA sent me a document titled Request for Exclusion of Windstorm or Hail Coverage for my XXXX home, requiring me to handwrite a statement rejecting windstorm protection, yet they failed to disclose that signing it would remove all hurricane-related coverage including wind damage, wind-driven rain, roof uplift, water intrusion from wind-created openings, mold, structural rot, and electrical damage caused by moisture ; under XXXX  efficient proximate cause and anti-concurrent causation rules, any hurricane damage initiated by wind becomes excluded even if the resulting loss is water, mold, or flood. I also carry XXXX XXXX XXXX, and if USAA removes windstorm coverage it creates a denial trap where USAA can deny claims because wind initiated the loss while XXXX XXXX can deny the same claim by arguing that wind, not flood, caused structural compromise, leaving me entirely unprotected despite paying for both policies and exposing both me and my mortgage lender to catastrophic financial loss in a state where wind and flood can not be separated during hurricanes. USAA did not verify whether my home is financed, and removing windstorm coverage would violate most mortgage agreements by stripping the lender of required hazard protections ; sending this waiver without full disclosure or justification is an unfair and deceptive practice that may violate UDAAP standards, the XXXX Unfair Insurance Trade Practices Act, and federal mortgage-servicing protections. As a XXXX XXXX XXXX XXXX experiencing ongoing mortgage and insurance issues, this practice places me at disproportionate financial risk, and I am requesting that the CFPB investigate USAA for improper inducement to waive essential hurricane protections, for failing to disclose materially significant consequences, and for actions that undermine mortgage collateral, and that the CFPB also investigate XXXX XXXX XXXX for coverage interactions that create unavoidable denial pathways and render flood insurance ineffective if windstorm coverage is removed. I request written confirmation that my coverage will remain intact and an investigation into whether these combined practices violate federal consumer protection laws.

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 2025-12-02 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: NJ

Complaint narrative:
These inaccurate late payments have not been removed at all, even after multiple browser refreshes, and I am incredibly frustrated. I want the documents I sent to be investigated right away because I can not keep dealing with this ongoing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: 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 XXXX 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 XXXX is 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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I opened a dispute with my bank on XX/XX/year> regarding unauthorized transactions totaling {$1000.00}. My bank initially issued provisional credit, but the claim was later closed and the provisional credit was reversed using a miscellaneous debit. The bank never sent me any written denial notice, explanation, investigation findings, or evidenceeither before or after reversing the provisional credit. 
I discovered the reversal only by checking my account. I did not receive any email, letter, or message informing me that the dispute was denied or explaining why. 
Under Regulation E, the bank is required to : Provide a written explanation of findings when denying a claim Provide copies of all evidence relied upon if requested Send the denial notice BEFORE reversing provisional credit Allow a XXXX period after sending the written notice before removing provisional credit None of these required steps were followed. 
My claim was closed without explanation, provisional credit was removed without required notice, and no documentation was provided. I am requesting CFPB assistance to have the dispute reopened, to require the bank to provide the evidence they relied on, and to ensure the bank complies with Regulation Es consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
At least a vehicle XX/XX/2025 from XXXX and it was financed by Ally Bank. In XX/XX/2025, I completely paid off the lease contract amount for {$13000.00}. Ally bank has been mis reporting the amount that I owe to the credit bureaus in the months of XXXX, XXXX, and now XXXX. I have sent them written communication in the app for Ally bank and all I am told is to call in. I have disputed the reported amounts with the credit bureaus and have sent them copy of the monthly billing statements, reflecting a zero balance, and yet the credit bureaus will not fix the balance that I owe because they say that ally bank is reporting that I still owe money. Additionally, when I log into the Ally bank application, the amount that I owe diminishes as if someone is taking money from the balance that I have paid. No one can tell me why, and the only response that I get is that there is no one else that I can talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: MI

Complaint narrative:
In XXXXXXXX XXXX  I purchased two necklaces from the merchant XXXX XXXX through Klarna. Upon receiving the necklaces, I found that they were too small and returned them to the merchant. 

After returning the items, XXXX XXXX claimed they never received the merchandise and alleged that the boxes were empty. I maintain that this statement is false ; it is possible that the merchandise was tampered with at the merchants facility. The return label provided by the merchant did not include insurance, which means I am not liable for the missing merchandise. 

Over the course of approximately three to four months, I communicated repeatedly with both Klarna and XXXX XXXX to clarify that I was not responsible for the {$3000.00} worth of missing merchandise. After reviewing the situation, Klarna ultimately sided with me and waived the remaining balance on the order, confirming that I was not liable for the unpaid portion. 

Following this resolution, I contacted Klarna regarding the refund of my initial deposit of {$720.00}. Klarna informed me that they had already paid XXXX XXXX for the order, but the merchant had not reimbursed Klarna for the returned merchandise. Klarna stated that, because they had not received a refund from XXXX XXXX, they could not refund the money to me and directed me to contact the merchant directly for my deposit. 

XXXX refusal to refund my deposit, despite waiving the remaining balance and acknowledging that I am not at fault, constitutes an improper withholding of funds. I am requesting that the CFPB intervene to ensure Klarna issues a full refund of my deposit.

Company response to consumer: Closed with explanation