vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I entered into a debt settlement agreement with Synchrony Financial through XXXX XXXX on XX/XX/XXXX. I completed all required payments, with the final payment made on XX/XX/XXXX. 

In early XXXX, I received a Form 1099-C from Synchrony Financial reporting a canceled debt of {$3100.00}. This amount exceeds the agreed-upon settlement by XXXX XXXX XXXX. After contacting Synchrony Financial, I learned they had added additional internal fees after the agreement, which were never disclosed or paid. 

I believe this constitutes unfair and deceptive reporting, as it creates a tax liability for phantom income that I never received or owed. I am requesting that Synchrony Financial issue a corrected 1099-C reflecting only the actual amount forgiven per the original settlement.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
ChexSystems is forcing me to disclose data not required under FCRA. I want to dispute a report and request my file without giving them unnecessary sensitive info.

CFPB Complaint ChexSy
stems Improper Data Collection & Reporting To Whom It May Concern, I am submitting this complaint regarding ChexSystems and their handling of my consumer report and dispute process. In XX/XX/2024, I submitted a written request to XXXX XXXX XXXX XXXX ( XXXX ) to close my account. XXXX failed to honor this request and subsequently filed a negative report with ChexSystems. This report is inaccurate, and I am actively disputing it. 

When attempting to request my consumer disclosure from ChexSystems, I noticed that their online form misleadingly marks certain fields as optional, yet requires ( such as Drivers License ) them for submission. This constitutes a deceptive data collection tactic and exceeds what is required under the Fair Credit Reporting Act ( FCRA ). I am being forced to submit personal information not legally required in order to access my own records or submit a dispute. 

I have submitted a formal records request to XXXX and am preparing a written dispute to ChexSystems by mail. However, I am filing this complaint to ensure proper oversight of ChexSystems practices, which I believe violate consumer data protection standards. 

I respectfully request that the CFPB review this complaint and compel ChexSystems to : 1. Accept consumer disclosures and disputes without requiring unnecessary personal information.

2. Investigate the inaccurate report filed by XXXX. 
3. Provide oversight to ensure compliance with FCRA and ethical data handling.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NH 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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX | Email : XXXX XX/XX/year> LVNV Funding LLC c/o Resurgent Capital Services L.P . 
P.O. XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation under 15 U.S.C. 1692g ( FDCPA ) Dear LVNV Funding Compliance Department, I am formally requesting validation of the alleged debt associated with Account # * XXXX as reported to Equifax. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally required to provide the following : 1. Proof that you own or have been assigned the debt ; 2. A copy of the original signed agreement creating the debt ; 3. Detailed accounting and explanation of how the amount claimed was calculated ; 4. Proof that you are licensed to collect debts in my state, Georgia.

Please be advised that during this validation process, you must immediately cease all collection activities, including reporting to any credit bureaus, until you have fully validated the debt. 

If you fail to provide sufficient documentation within 30 days, you must delete the account from my credit file and cease all collection activity. Continued reporting of an unvalidated debt is a violation of the FDCPA and the FCRA and will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Georgia Attorney Generals Office, and potential civil action. 

This letter is written without waiver of my rights and remedies under applicable law, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * * These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have a credit card with Marcus a subsidiary of Goldman Sachs. My bill is paid on time by auto pay every month. I review my statement online each month to verify charges. When I went to review my statement on XX/XX/XXXX I saw I was not issued a statement on the XXXX of the month. Upon further review it stated my account was closed without explanation and to call XXXX. I called and spoke to XXXX different reps finally speaking to a supervisor ; XXXX XXXX who told me my account was charged off but could not tell me why. She said she would open an inquiry and someone would contact me. On XX/XX/XXXX after not hearing from anyone I again called and spoke to XXXX separate representatives, some of them more than once as I was transferred 8 times. The results was that no one would give me the reason my account was charged off. They would not agree to correct it. They could not guarantee it would not be reported on my credit file. 

This is absurd. It's XXXX records are kept electronically and are available for instant review. 

I have no documents to attached because Goldman Sachs/Marcus never notified me by mail, phone or email of the fact that my account was to be charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I financed a stove with TD XXXX XXXX Have never been late.

Always paid early.

Original amount financed : {$2200.00} To date, I have made 25 payments of {$92.00} each total {$2300.00} I am getting harassed that I owe a balance of {$690.00} Addionally, they say I owe {$180.00} in overdue payments.

I recieved a letter dated XX/XX/XXXX that they were reporting my account to collection.

The original deal was 24 payment of {$92.00} interest free.

They owe me {$100.00} I keep getting put on hold and disconnected.

told to call back later because they are so busy.

I have spent over 2 hours on this one problem and gotten nowhere with them I actually reviewed this with their accounting department last XX/XX/XXXX and they said I did not owe any back payments. 
I have a record of all my payments provided by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding an issue with Capital One that has negatively and unfairly impacted my FACA score. Capital One closed my bank account without adequate explanation or prior notice, and as a result, my FACA score dropped significantly. 

This sudden change has caused serious concern for me, as I was not provided with any clear reason or transparent communication regarding the closure or how it would affect my financial standing. I believe this action was not only unjustified, but it also violates principles of fairness and transparency that should guide all institutions handling consumer dataprinciples echoed in the spirit of the Federal Advisory Committee Act ( FACA ).

While FACA governs advisory committees, its core emphasis on public accountability and open access to information is directly relevant here. Consumers deserve clear, documented explanations for decisions that affect their financial profiles, especially when those decisions result in negative scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Dealership submitted a vehicle loan payoff check to Bridgecrest for {$13000.00} on XX/XX/year>. Although Bridgecrest cashed the full amount, only {$12000.00} was applied toward the payoff. The discrepancy of about {$380.00} appears to be due to an autopay processed the same day the check posted, despite the check taking XXXX full days to post. The dealership confirmed they did not receive the excess funds and advised me to contact Bridgecrest. It has now been over 90 days, and I have not received any notification, refund, or resolution from Bridgecrest regarding the overpayment. 

To make matters worse, this outstanding amount was effectively rolled into a new auto loan, which has been accruing 9 % interest since XX/XX/year>. As a result, Ive been unfairly charged interest on money that should never have been part of the new loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-22 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: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
XX/XX/year> Applied for {$10000.00} personal loan thru SoFi. 
Two options were presented online, one was a {$600.00} origination fee loan at XXXX interest, OR {$10000.00} loan with XXXX interest. 
I selected the origination fee option due to the large difference in interest rates. 
As soon as I hit submit the interest rates were markedly different and the one with origination fee was actually showing close to what the {$10000.00} loan without origination. 

I immediately used the online help loan department. I explained to the representative that it did not show what the initial screen was and I wanted to select the other option. She asked if she could put me on brief hold to check what stage the application was in. She came back and said since the loan was still under review it would be FINE to change to the no origination option. She said she had to have my permission and I gave it to her. She said she got it changed. 

I have a screenprint from that interaction that Sofi has conveniently not been able to locate. I have sent this documentation to them twice already, and they should have it in their notes. 

When the loan was approved and funded I contacted help by phone since I was so upset. The gentleman said he saw those notes and he would ask for refund of the {$600.00} and it would take 3-5 days for me to be reimbursed. He said someone would call me later that day, or the next day at latest. That phone call was never attempted. 

I then talked to several different people and one filed an internal complaint. I received an email from a XXXX XXXX complaint resolution department on XX/XX/year> that basically said they could not reimburse that fee. She provided a direct telephone number to reach her. I have tried calling her 10 times, and left multiple voicemails for her to call. She has never reached out or answered the phone. 

Today on XX/XX/XXXX I again called XXXX, and then loan department. After spending another hour on hold and being disconnected twice I eventually got to a XXXX that is a account manager and he said nothing they could do. He said there was no one higher in SoFi that I could talk to.

Company response to consumer: Closed with monetary relief