vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank Fraud Form Delay Identity Theft Account XXXX Body : I reported identity theft involving a Synchrony Bank / XXXX  account that does not belong to me. Synchrony sent me a Fraud Investigation Form but their fax number is not working, preventing me from returning required documentation within their deadline. Fax XXXX Please ensure that Synchrony does not use fax transmission failure as an excuse to delay or deny my fraud claim. 

Account : XXXX Police Report # : XXXX I am the victim of identity theft. I am cooperating fully. 

I am requesting CFPB oversight to confirm that Synchrony processes this fraud investigation properly and does not continue reporting or collecting. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a wire transfer in XXXX totaling amount XXXX XXXX from my business partner, my account was perfectly fine months after I did multiple transactions in and out the bank. 2 months after I got cashiers check which I later deposited resulting to a seven days hold. Upon the 7 day when funds should be released they restricted the account even though the check cleared and has no fraudulent matter. They told me they would have mail me a check with the balance and I havent received it. Why would Chase hold on to my legal funds that has nothing to do with the wire transfer thats stealing, if there was a problem then why wasnt my account frozen why wait until I put large amounts of cash they chose to hold it, its been six months now and there is no issue with my business partner. Not because I cant provide a verified phone number for my business partner mean I should been punished

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-09 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: IA

Complaint narrative:
After checking my latest report I noticed multiple accounts reporting still without my knowledge these are not my accounts

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Summary : Progressive Insurance is furnishing inaccurate, incomplete, and unverifiable information to credit reporting agencies through its collection vendor, Caine & Weiner. Despite multiple disputes, Progressive has failed to conduct the mandatory investigation required under FCRA 623 ( b ), and continues allowing Caine & Weiner to report unverifiable accounts.

________________________________________ Details : I am filing a complaint against Progressive Insurance for violations of the Fair Credit Reporting Act ( FCRA ), specifically : 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate 623 ( a ) ( 2 ) failure to update or correct inaccurate reporting 623 ( a ) ( 3 ) failure to report accounts as disputed 623 ( b ) ( 1 ) ( A
) failure to conduct a reasonable investigation after CRA notification 623 ( b ) ( 1 ) ( D ) failure to delete unverifiable information 623 ( b ) ( 1 ) ( E ) continued furnishing despite inability to verify 623 ( b ) ( 2 ) failure to cease furnishing during reinvestigation The accounts at issue are : * Progressive XXXX Caine & Weiner Account XXXX {$1800.00} * Progressive / Caine & Weiner Account XXXX {$350.00} I disputed these accounts with the debt collector, Caine & Weiner, and they could not provide : A signed contract A policy agreement Proof of assignment An itemized ledger Any validation for the larger account (XX/XX/XXXXXXXX ) Despite that, Progressive allowed the accounts to continue being reported to XX/XX/XXXX which improperly marked the debts as verified. 
Progressive has failed its duties under FCRA 623 ( b ) to investigate and correct inaccurate information. Continued reporting constitutes willful noncompliance, triggering statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This debt collector has done unjustifiable practice by the FDCPA which prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. They didnt follow the proper validation procedure. According to the FDCPA Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
After checking my recent report there were multiple accounts reporting still that do not belong to me. These accounts are harming my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
After checking my recent report there were multiple accounts reporting still that do not belong to me. These accounts are harming my 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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This debt was fully paid through wage garnishment. LVNV funding is reporting inaccurately. Please correct or delete the tradleline. This complaint is regarding LVNV Funding LLC and their inaccurate reporting of a debt that has already been fully paid through court-ordered wage garnishment. 

I was sued and legally garnished for this debt ( originally from XXXXXX/XX/XXXX ). The full balance was taken from my paychecks through the court until the debt was fully satisfied. However, LVNV Funding is still reporting this account inaccurately on my credit report.

Here are the issues : 1. The account is not showing a correct {$0.00} balance.

2. The account is still reporting as an active collection when it has been paid in full. 
3. The account is not showing the correct date of last activity or date of payment.

4. LVNV Funding failed to accurately and promptly update the tradeline after garnishment, which violates the Fair Credit Reporting Act ( FCRA ) Sections 602 and 607.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE SENT A TOTAL OF 7 REQUEST WITH CERTIFIED MAIL RECIPTS AS PROOF TO NO AVAIL. 

SEVERAL TIMES REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

EQUIFAX SENDS OUT STALL LETTERS ASKING FOR THE SAME IDENTIFYING INFO REPEATILY SECOND TIME REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
My Credit Acceptance account ( Acct # XXXX ) was repossessed in XX/XX/year>. Since then, the balance has been updated every month, showing {$11000.00} owed. When I contacted them, they confirmed only when asked that the vehicle was sold for about {$8000.00} and stated that I still owe {$11000.00}. However, the true deficiency should be around $ XXXX {$3000.00}, not the full amount left on the loan of {$11000.00}. Despite my repeated requests for the deficiency letter, they continuously only send me a Notice to Sell and have withheld the proper documentation requested, thereby continuing to report the incorrect balance to purposely tarnishing my credit report. I request that this be investigated and removed from my credit report immediately.

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 2025-12-09 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-09 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: AZ

Complaint narrative:
Dear Equifax compliance department I am formally disputing for the second time inaccurate and unauthorized information on my credit report under frca 605 ( B ) identity theft 607 ( B ) accuracy 611 ( a ) reinvestigation and 615 ( a ) failure to provide adverse action notice were ever received regarding the following accounts I am a verified victim of Equifax data breach ref : XXXX and the XXXX  data breach an no written or electronic notice were received requiring the following accounts before they were reported to my credit file the appearance of these items without my knowledge constitutes willful noncompliance and demands an immediate correction and deletion of accounts of blocking in four business days - Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer I have attached my detailed disputes letters and ftc report collective documents and requesting deletion of these items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion are reporting multiple items that are inaccurate, outdated, unverifiable, and damaging to my financial profile despite my rights under the FCRA, including several addresses that have never belonged to me such as XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX Ct XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, which violates FCRA 611 and 605. My reports also contain inaccurate account data, including a XXXX XXXX account ending in XXXX listed as a late closed account with a {$0.00} balance and another XXXX XXXX account ending in XXXX being reported as a charge-off for {$710.00}, both of which appear to violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 623 ( b ). Even more concerning, my file reflects a XXXX XXXX bankruptcy from the U.S. Bankruptcy Court with Reference # XXXX and an asset amount of {$0.00}, which does not belong to me and violates FCRA 607 ( b ), 609 ( a ), and 605 ( a ) ( 1 ). Additionally, unauthorized hard inquiries from XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/year> have been reported without my permission, in violation of FCRA 604 ( a ) and 611.

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 2025-12-09 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion are reporting multiple items that are inaccurate, outdated, unverifiable, and damaging to my financial profile despite my rights under the FCRA, including several addresses that have never belonged to me such as XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX Ct XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, which violates FCRA 611 and 605. My reports also contain inaccurate account data, including a XXXX XXXX account ending in XXXX listed as a late closed account with a {$0.00} balance and another XXXX XXXX account ending in XXXX being reported as a charge-off for {$710.00}, both of which appear to violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 623 ( b ). Even more concerning, my file reflects a XXXX XXXX bankruptcy from the U.S. Bankruptcy Court with Reference # XXXX and an asset amount of {$0.00}, which does not belong to me and violates FCRA 607 ( b ), 609 ( a ), and 605 ( a ) ( 1 ). Additionally, unauthorized hard inquiries from XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/year> have been reported without my permission, in violation of FCRA 604 ( a ) and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There isnt any accurate information such as Account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
my loan was transfered from shellpoint to Fay Servicing. on XXXX XXXX. I tried did tried to make payment on line but the payment would not go through. the said that they did not have my phone number. I made a payment on line and the check was not cashed. I called on XX/XX/year> and was told that I needed to XX/XX/year>. Then I was told that i needed to pay XXXX to make the loan current. I was never given the XXXX  days to transfer the loan and they did not contact me until the end of XXXX. I am prepare to make payment for the XXXX  monthts but they will not accept the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I am filing a complaint against IC Systems for repeated and unwanted contact regarding a debt they have not properly validated. 

IC Systems has contacted both me and my wife multiple times without ever providing the required formal written notice about the alleged debt. Additionally, I have repeatedly told them to stop contacting me, yet they continue to do so. 

Contact dates are as follows : Contacting me by call and text messages : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacting my wife by text message : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Despite these multiple messages, IC Systems has never provided a written validation notice explaining the debt, the creditor, the amount owed, or my rights as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I also clearly requested that they stop contacting me. They ignored this request and continued messaging me. Them contacting my husband about this matter is also inappropriate and unacceptable. 

This repeated and unwanted communication has caused stress and feels like harassment. I am asking theXX/XX/XXXX to assist in resolving this issue by requiring IC Systems to : 1. Stop all further communication with me and my husband, except for legally required notices.

2. Provide written validation of the alleged debt, if they intend to continue pursuing it.

3. Remove my contact information from any automated messaging systems.

I want written confirmation that they will no longer contact me unless they comply with FDCPA requirements. 

Thank you for your assistance.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was attempting to make an online purchase on XXXX when I noted my credit card expired XX/XX/year>, which was a week ago. I went online and noted that account still appeared active so I called to see why I did not receive a new card. I was told that they did not have to send any warning or documentation for closing the account. I was assured that this would not affect my credit score. This company sends me solicitation every other week to open either a checking or savings account but cant send any notification of an expiring credit card in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MA

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within four business days.

Company response to consumer: Closed with explanation