vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
I have been overcharged by Synchrony Bank for a purchase I made XXXX XXXX for a XXXX XXXX XXXX  with a financing promotion of 24 months. Synchrony Bank added security option fees which were not authorized by me, plus they added charges telling me my promotion was only for 12 months. I contacted XXXX XXXX this past XX/XX/XXXX, via the XXXX XXXX XXXX and it was verified TWICE by them that my promotion was for 24 months! I finally was refunded this past XXXX for my overcharges, and I used the refund to pay off other creditors that were used to pay this bill in order to keep up with their minimum payments I was charged. Now the company is saying that they made an error with my refund, they still have not acknowledged that XXXX XXXX did confirm my 24 month promotion, and now I am getting harassing emails everyday for a bill to pay them back, for not only the refund processed but additional funds and also now they are telling me they are going to add late payment charges. I am a XXXX Veteran, I have rights to dispute the dispute the wrong charges and I am not getting legitimate information from this company. I have been a victim of Credit Card Fraud on XXXX XXXX, from this same Synchrony Bank with another purchase from Sleep Number and added optional security fees, which was investigated by the Credit Bureaus and was proved to be fraud. I am disputing this bill of {$3200.00}. I am only getting these bills through my email, every single day, and the documents they sent me were all blacked out, and looks like it was copied and pasted, which are not any documents I ever received. I provided all of my legitimate documents and verifications to the XXXX to the representative investigating this matter and would be happy to provide them to you as well. 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 explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
This is a follow-up with new evidence. On XX/XX/XXXX, I submitted FTC Identity Theft Report # XXXX, which legally requires Equifax to block fraudulent tradelines within 4 business days under FCRA 605B. These accounts remain, so the law was not followed. 

I also demanded a Method of Verification ( FCRA 611 ( a ) ( 7 ) ), but Equifax has not provided the furnishers identity, verification method, or documents relied upon. Under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted. 607 ( b ) also requires maximum possible accuracy, which has not been met due to contradictory balances and statuses. 

If creditor tradelines are involved, TILA/Reg Z requires disclosure of the original lending terms and billing statements, which has not been provided. If collector tradelines are involved, FDCPA 809 ( b ) requires full validation before furnishing, which has not been done. 

By failing to block fraudulent accounts and failing to provide verification, Equifax is violating FCRA, TILA/FDCPA, GLBA, Louisiana Civil Code Art. 3494, LUTPA, and the Identity Theft Enforcement & Restitution Act ( 2008 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
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 Compliance I am submitting this complaint regarding systematic violations of Metro 2 and CRRG standards, which have compromised my consumer integrity, accuracy, and completeness. 

Inaccurate Personal Information : Misspelled address and outdated phone/email, creating a false consumer profile and risk of mixed-file. 

Unauthorized Inquiries : Multiple hard inquiries by XXXX XXXX, TransUnionXXXX XXXX XXXX and TransUnionXXXX XXXX without permissible purpose , falsely suggesting credit-seeking behavior.

Incomplete Dispute Resolution : Missing investigation documentation and lack of consumer statements.

Credit Impact : Estimated XXXX point reduction, higher interest rates, increased insurance premiums, and security deposits. 

Professional Impact : Lost good employment opportunities due to inaccurate credit reporting and false credit risk.

Standards Violated : Metro 2 Data Accuracy and Segment Integrity Guidelines CRRG Accuracy, Completeness, and Permissible Purpose Protocols FCRA 1681e ( b ) Accuracy of information FCRA 1681b Permissible purpose Requested Remediation : 1. Correct all personal information in Metro 2 segments.

2. Remove all unauthorized inquiries and verify permissible purpose for remaining entries.

3. Complete investigation documentation and update Metro 2 reporting for accuracy, completeness, and integrity.

4. Notify all credit bureaus and data furnishers of corrections.

5. Implement ongoing integrity protections : quarterly audits, real-time verification, and enhanced dispute resolution with consumer notifications.

Supporting Documentation : Credit reports with inaccuracies, unauthorized inquiry records, previous dispute correspondence.

I certify that the information provided is accurate to the best of my knowledge. These violations compromise my consumer credit integrity, including causing the loss of good employment opportunities, and require immediate remediation under Metro 2/CRRG compliance and FCRA standards .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be substantiated, that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
KIA FIN AM Account # XXXX This account is reported as a charge-off with a balance of {$11000.00}. This information is inaccurate, misleading, and damaging. I demand that this account be investigated and removed immediately if validation can not be provided with legal documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Chime Financial Inc
State: IL

Complaint narrative:
My account let unauthorized merchants withdraw from my account even if card is locked. Chime app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I state that the false late payment remarks on my accounts are a violation of 15 USC 1666. I have always made timely payments, and these reporting errors are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: OH

Complaint narrative:
Complaint Against : Firstpoint Collection Resources , Inc. ( current furnisher ) XXXX ( credit reporting agency continuing to display the account ) Summary of Complaint : I am filing this complaint regarding an inaccurate and recycled collection account that continues to appear on my credit report with Equifax. The alleged debt is for {$110.00} from XXXX XXXX XXXX XXXX This account has already been placed with, and then returned/closed by, two separate collection agencies before now being re-reported by Firstpoint. 

XXXX : XX/XX/year> XXXX XXXX XXXX sent me a letter stating the account was closed and returned to the creditor ( attached ). 
XX/XX/year> XXXX XXXX XXXX sent me a letter stating the account was closed with a {$0.00} balance ( attached ). 

Despite these closures, the same alleged {$110.00} account is now being reported by Firstpoint Collection Resources to Equifax. 

Violations/ Issues : This is the third collection agency attempting to report the exact same {$110.00} XXXX account. 
Both previous agencies deleted their tradelines after my validation requests. 
Firstpoint is furnishing without validation in violation of the FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ).

This constitutes inaccurate and duplicative reporting, which is harming my creditworthiness during an active mortgage pre-approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Carvana Group, LLC
State: MI

Complaint narrative:
I entered into a transaction with Carvana, LLC, under the belief that it was a standard retail installment contract for the purchase of a vehicle, which I currently possess. Unbeknownst to me, Carvana structured the note as an asset-backed security, which they subsequently securitized and sold to third parties, resulting in Carvana no longer owning the asset. Carvana failed to disclose this material aspect of the transaction, constituting fraudulent conversion of my financial obligation into a securitized instrument and unjust enrichment, as they opened accounts in my name and profited from the sale, pledge, or assignment of the instrument without my knowledge or consent. In response to this unauthorized use of my personal information, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) to document the fraudulent activity. The IRS Wage & Income Transcript for XXXX includes a Form 1099-B issued by Carvana, LLC, reflecting proceeds from a broker or barter exchange transaction related to this securitized asset, dated XXXX, with proceeds totaling {$800000.00}. Despite my repeated demands for documentation regarding the securitization, including details of the trusts, investors, and transfer of ownership, as well as my submission of the FTC Identity Theft Report, Carvana has refused to provide the requested information. They continue to report the account to XXXX XXXX XXXX XXXX  as if they still own and service it legitimately, while also refusing to close or settle the account. This ongoing reporting is inaccurate and deceptive, violating the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) by failing to disclose critical financing terms, the furnisher obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibit reporting known inaccurate information, and the requirement to block identity theft-related information under FCRA 605B ( 15 U.S.C. 1681c-2 ). Furthermore, this conduct constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). Carvanas continued maintenance of internal records related to this account appears to be used to deny me future credit opportunities, further damaging my credit access and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint because my Experian credit report is inaccurate and has not been corrected. I have attempted to resolve this with Experian directly multiple times, but the issues remain. 

I have two collection accounts that are incorrect : Account 1 : I successfully disputed this account, and it was supposed to be removed. However, it is still listed on my Experian report. 

Account 2 : This account is past the legal reporting period ( 7 years ) and has already been removed from my XXXX XXXX XXXX credit reports. It is still on my Experian report. 

My disputes on the Experian website were ineffective, and I am not given an option to dispute these accounts online. The system incorrectly states the accounts are not in collections, even though they appear as collections on my report overview. I have been unable to speak with a live person for help. I need these two accounts removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NC

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 4 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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NC

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 4 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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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