vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against PayPal , Inc. and its affiliated credit card issuer, Synchrony Bank, for the unfair denial of my underlying claim and the subsequent improper classification of a returned dispute adjustment as a cash advance. 

The original purchase was made on XX/XX/year>, from an XXXX seller. The seller grossly underpaid the required postage for the shipment. 

On XX/XX/year>, I was forced to pay {$120.00} in postage due. I contacted the seller who explicitly guaranteed immediate reimbursement ( evidence attached ). I must emphasize that this is the responsibility of the seller to pay the underpaid postage due because if I chose to send it back to him, he is obviously owed USPS this amount because he underpaid the shipping. Relying on the seller 's written guarantee, I paid the {$120.00} postage due.

Dispute and Improper Fee Sequence : I first filed a dispute with PayPal. Despite providing clear evidence of the seller 's liability and written guarantee, PayPal denied my claim. 

I then filed a dispute ( chargeback ) with the card issuer, Synchrony Bank ( for my PayPal XXXX XXXX XXXX ). 

Synchrony Bank processed a provisional credit/adjustment of {$120.00} to my account. 

I cashed out this provisional adjustment. 

Subsequently, Synchrony Bank also denied my claim, favoring the merchant, and reversed the provisional credit. 

Because the funds had already been cashed out, Synchrony Bank improperly classified the resulting debt as a XXXX XXXX, applying an immediate penalty. 

This resulted in a charge of {$120.00} ( the principal owed ) plus an additional, improper {$10.00} XXXX XXXX XXXX, making the total final charge {$130.00}. 

The denial of my claim by both PayPal and Synchrony Bank was improper, given the seller 's responsibility for the postage and clear evidence of misrepresentation. Crucially, the application of a {$10.00} XXXX XXXX XXXX to a debt resulting from the reversal of a disputed provisional credit is an unjustifiable billing practice and an unfair penalty by the credit card issuer.

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 monetary relief
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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up regarding the inaccurate reporting of my XXXX account ending in XXXX, which continues to appear as a late open account on Equifax, Experian, and TransUnion. Despite my prior dispute, the account is still reported with multiple late payments 30-day lates in XXXX and XX/XX/year>, a 60-day late in XX/XX/year>, and 90-day lates in XXXX and XX/XX/year> that do not reflect my verified payment history. Under FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), the bureaus are required to ensure maximum possible accuracy and conduct a thorough reinvestigation of any disputed information.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up regarding the inaccurate reporting of my XXXX account ending in XXXX, which continues to appear as a late open account on Equifax, Experian, and TransUnion. Despite my prior dispute, the account is still reported with multiple late payments 30-day lates in XXXX and XX/XX/year>, a 60-day late in XX/XX/year>, and 90-day lates in XXXX and XX/XX/year> that do not reflect my verified payment history. Under FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), the bureaus are required to ensure maximum possible accuracy and conduct a thorough reinvestigation of any disputed information.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am filing a formal complaint and statement regarding an account being reported and pursued in my name by Cavalry Portfolio Services and related parties. I am asserting that this debt does not belong to me. The documents used by Cavalry contain an incorrect version of my personal identifying information. The name being used and referenced by Cavalry does not match my full legal name. My correct legal name is XXXX XXXX XXXX. Any variation, alteration, abbreviation, or truncated form that does not exactly match my legally recognized identity is inaccurate and invalid for the purpose of debt collection or credit reporting. Attaching inaccurate identifying information to an individual for account assignment, collection, or reporting contradicts the requirements for data accuracy under multiple federal laws, including : Fair Credit Reporting Act ( FCRA ) 602 ( A ) FCRA 607 ( B ) FCRA 611 FDCPA identity requirements for validation and consumer protection At this time, Cavalry has not furnished : A legally binding, signed original agreement bearing my exact full legal name A full chain of title showing legal ownership of the alleged debt Proof of rightful assignment from the original creditor Verification of my legal identity tied to this obligation Documentation confirming any lawful basis to report this debt in my name Without proper validation and an exact legal identity match, the account should not be reported or collected against me. I am requesting the CFPB require Cavalry and any related bureaus to : 1. Immediately cease collection efforts 2. Remove or suppress any related reporting 3. Furnish proper and complete validation if they believe I am the correct individual 4. Correct all inaccurate or misrepresented identifying information I affirm that I do not recognize or accept liability for this alleged debt and request a complete CFPB review of false identity attachment, incomplete validation, failure to produce contractual instruments, and any improper data sharing based on an incorrect legal identifiers.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
A check was issued to NissanMotor Acceptance Corp to pay off my remaining lease payments and purchase my car. The check was cashed but the payoff was not made. So Nissan is sitting with {$32000.00} in their bank account and my car is not paid off.

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: GA

Complaint narrative:
I just want to follow up this formal dispute regarding multiple inaccuracies on my credit reports that have been reported by XXXX XXXX XXXX XXXX Experian and Equifax, which misrepresent my financial history, create a false perception of delinquency, and have negatively affected my creditworthiness and ability to access financial opportunities. On Experian, my XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/year>, is incorrectly reported with a balance of {$12000.00} and late payments spanning XXXX, XXXX, XXXX, XXXX, and XXXX  days, none of which accurately reflect my payment history, as I have consistently made payments in accordance with my agreement. Similarly, on Equifax, the same account ending in XXXX, opened on XX/XX/year>, is reported with a balance of {$12000.00} and late payments of XXXX, XXXX, and XXXX days, which are also inaccurate, reflecting an exaggerated delinquency timeline and creating a misleading impression of financial irresponsibility.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc
State: MO

Complaint narrative:
recently paid my WiseLoan account in full ; however, my credit report is still reflecting a remaining balance of {$9.00}. I am requesting that the balance be updated to {$0.00} to accurately reflect the account status that I was promised. 

Additionally, as this account is now paid in full, I respectfully request consideration for a goodwill deletion of the past late payments associated with this account. I have worked diligently to correct my credit, and this adjustment would greatly support my rebuilding efforts and financial progress.

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: IL

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.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I am reopening my unauthorized transaction claim. I have now filed a formal police report documenting that the transactions from XXXX XXXX, XXXX XXXX, and XXXX XXXX were theft and not authorized by me. I did not provide my card, my PIN, my login, or permission to anyone. I did not benefit from these transactions. 

I am requesting a full reinvestigation under Regulation E. Chime denied my claim multiple times without providing merchant evidence, authorization data, or the required explanation. I need the official final determination letter including timestamps, proof of authorization, and merchant documentation. 

These charges were theft. My employment was terminated and the stolen {$310.00} is now being deducted from my upcoming paycheck, leaving me with no income. I need this reinvestigation expedited as this is causing financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
They approved a third party check they ask me to identify myself as well as the party on the check, which i did. Then they told me a week later that it was check fraud and they denied the check, however they cashed the check and credit it to my account but denied me access to my account when I called to close my account they refused to grant my closer of my account and holding my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I just want to follow up this formal dispute regarding multiple inaccuracies on my credit reports that have been reported by XXXX XXXX XXXX XXXX Experian and Equifax, which misrepresent my financial history, create a false perception of delinquency, and have negatively affected my creditworthiness and ability to access financial opportunities. On Experian, my XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/year>, is incorrectly reported with a balance of {$12000.00} and late payments spanning XXXX, XXXX, XXXX, XXXX, and XXXX  days, none of which accurately reflect my payment history, as I have consistently made payments in accordance with my agreement. Similarly, on Equifax, the same account ending in XXXX, opened on XX/XX/year>, is reported with a balance of {$12000.00} and late payments of XXXX, XXXX, and XXXX days, which are also inaccurate, reflecting an exaggerated delinquency timeline and creating a misleading impression of financial irresponsibility.

Company response to consumer: Closed with non-monetary relief
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: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation