vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
I made an online purchase for {$740.00} and paid in full online with my XXXX  XXXX XXXX Debit card inwhich I have proof. Emailed all documentation to guns.com and they closed account because I oaid for the merchandise and did not apply for a loan thru XXXX, but debt collection agency is still reporting as late. I havr tried 3 times to go through XXXX  emailing them documents thet prove I paid in full at time of purchase but they will not remove and Security Credit Services do not answer their telephone you need to leave a message and they never call back. Their number is ( XXXX ) XXXX. I need this account removed from my credit report as it is affecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: KY

Complaint narrative:
XXXX XXXX has locked my account for over six months now and has a XXXX dollars of my money and will not verify my identity or release my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
This affidavit is submitted to dispute fraudulent accounts, unauthorized inquiries, and inaccuracies reported by Equifax.

My personal data was confirmed to have been compromised in the Equifax Data Breach, which allowed fraudulent activity to occur.

Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IMPORTANT CLARIFICATION : This is a NEW CFPB complaint and is NOT a duplicate, NOT an identity theft claim, and NOT a fraud allegation. The account at issue belongs to me. This complaint concerns TransUnion LLCs failure to conduct a reasonable reinvestigation and to ensure maximum possible accuracy, in violation of the Fair Credit Reporting Act ( FCRA ).

1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) I disputed the XXXX XXXX XXXX XXXX with TransUnion and provided documentation raising material accuracy and classification issues. TransUnion closed the dispute with a generic outcome ( e.g., updated or verified ) without addressing the specific inaccuracies raised and without providing evidence of a meaningful reinvestigation. 

2. Lack of Disclosure of Verification Method TransUnion failed to explain what documentation was reviewed, what verification method was used, or how the disputed information was reconciled with the governing contract. A reinvestigation that relies on automated responses without review of the underlying evidence is not reasonable under the FCRA.

3. Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) TransUnion continues to report inaccurate and misleading information regarding the XXXX tradeline, including misclassification of the account and reporting inconsistent with repossession and sale. Continuing to report disputed data without resolving these contradictions violates TransUnions duty to ensure maximum possible accuracy.

4. Demonstrated Inability to Reliably Verify the Tradeline Another consumer reporting agency has already deleted this same XXXX tradeline due to inability to verify. This demonstrates that the information TransUnion continues to report is not reliably verifiable and should not remain on my credit report. 

5. Harm Caused TransUnions failure to conduct a lawful reinvestigation has caused ongoing credit score damage, loan denials, increased borrowing costs, and significant financial and emotional 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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I financed an XXXX  purchase and installation through a XXXX credit card that was promoted and described to me at XXXX XXXX of sale as an interest free XXXX financing option. The deferred-interest structure and the fact that interest would be applied retroactively to the entire balance if not paid in full by the promotion end date were not explained to me in a way I understood. 

I immediately set up automatic monthly payments with the intention of paying off the balance in full without accruing interest and never missed a payment. Based on how the financing was presented and my consistent autopay activity, I believed I was satisfying my payment and financing obligation. I did not carry a balance to avoid payment and was intentionally paying down the balance every month. 

On XX/XX/year>, after the promotional period ended, Synchrony applied {$5900.00} in retroactive interest to my account. This charge was totally unexpected and represented a significant financial impact relative to the original purchase, which was {$13000.00}. I did not receive a clear, proactive notice explaining that failure to pay the balance in full by the promotion end date would result in all accrued interest being added retroactively or that the promotion end date was approaching, outside of that information being included in monthly statement documents.

I contacted Synchrony immediately after discovering the interest charge to request an explanation and to ask whether a goodwill adjustment or partial interest credit could be considered given my payment history and the misunderstanding of the promotional terms.

Synchrony advised that no adjustment was possible solely because more than 30 days had passed since the promotion ended and stated that customer service and account resolution teams lacked the ability within their system to review or address the matter further. I was not provided with any alternative review or escalation path.

I am not disputing that the charge may be contractually permitted. However, I would not have agreed to this financing arrangement had the deferred-interest terms and the retroactive application been clearly explained to me at the time of sale. I do not recall the term " deferred-interest '' ever being used at the time of sale of subsequently. I have acted in good faith, made consistent payments, and sought resolution immediately upon learning of the issue.

I am requesting that Synchrony review this matter for a one-time goodwill interest adjustment or partial credit in light of the unclear promotional disclosure, my consistent payment history, and the disproportionate financial impact of the retroactive interest charge.

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 2025-12-14 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:
I am filing this complaint because Experian failed to conduct a reasonable investigation and failed to correct or delete inaccurate, unverifiable, and improperly reported information after receiving my disputes. 
I disputed multiple accounts, late payments, and inquiries, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my disputes, Experian continued to report these items without providing proper verification or evidence that the information is accurate and complete as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Experian did not provide documentation showing that the creditors verified the accuracy of the accounts, nor did they demonstrate compliance with the Metro 2 reporting standards. Additionally, some accounts contain inconsistencies in balances, payment history, dates, and account status, which indicates the information is not being reported accurately. 
I am requesting that Experian be required to either provide full verification of these accounts, including original contracts and complete payment histories, or delete the accounts, late payments, and inquiries from my credit report immediately. 
I am also requesting that Experian be held accountable for failing to perform a reasonable investigation as required by law.

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 2025-12-14 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: NV

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint to request an immediate reversal of a charge in the amount of {$1000.00} for a transaction that occurred on XX/XX/year>, for a set of chairs purchased via XXXX XXXX. Upon delivery on XX/XX/year>, we attempted to assemble the product, but the item was immediately found to be defective and unsafe ; specifically, the back support cracked upon the slightest pressure due to poor construction, rendering the item functionally useless and dangerous to sit in. On XX/XX/year>, I contacted the seller to return the unsafe item and was instructed to return the goods to a XXXX store ; however, when I attempted to return the item to XXXX in person, they refused the return and stated I must deal with the seller directly. 

Following this refusal, I reached back out to the seller on XX/XX/year>, but the seller ceased all communication and has not responded since, effectively " ghosting '' me to avoid processing the refund. Consequently, I filed my initial dispute with Citibank on XX/XX/year>, which was well within the protected XXXX timeframe required by the Fair Credit Billing Act ( FCBA ). Despite these facts, Citibank has failed to protect my consumer rights and has denied my disputes even after receiving blatant evidence of a defective and unsafe product. 

Citibank has not provided specific reasoning for the denial other than stating it is the " customer 's responsibility, '' which demonstrates laziness and a failure to investigate the dispute with due diligence regarding the merchant 's refusal to communicate. I still possess the defective merchandise and remain willing to return it if the merchant provides a prepaid shipping label, which they have failed to do. Currently, Citibank has opened a third and " final '' investigation and has stated the case will be closed if it is denied again ; therefore, I am seeking assistance because the bank 's denial suggests a complete lack of thorough investigation into the merchant 's failure to accept a return of hazardous goods.

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 2025-12-14 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: NV

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! 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is reporting a {$1300.00} XXXX XXXX collection account. After disputing with XXXX XXXXXXXX XXXX verified the account without providing any documentation or validation of the balance, charges, or ownership. The information remains unverified and inaccurate. I request proof of the debt, including verification from the original creditor. If verification can not be provided, I request deletion under FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SECURITY FINANCE CORP
State: MS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate and unverified information appearing on my credit report. I am demanding a full reinvestigation and complete deletion of the following collection account : Creditor/Collection Agency : Account Number : Reporting Inaccuracy : ( choose or include all that apply ) You are reporting information that is incomplete, inaccurate, inconsistent, and unverified.

No original contract or legally required documentation exists on your end.

This furnisher has failed to validate this debt under FDCPA requirements. 
This account appears to be re-aged, which is illegal.

The furnisher has reported conflicting data across multiple bureaus.

FCRA requires that any information you report must be accurate, complete, and verifiable. Automated responses, e-OSCAR results, and verified as accurate statements do NOT satisfy 611 ( b ) requirements. Verification requires actual documentation, including : Original signed application/contract Complete payment history from the original creditorProof of assignment or legal right to collect Date of first delinquency Full validation from the furnisher not a simple data match If you can not obtain and provide this documentation within 30 days, you are federally required under the FCRA to DELETE this account from my credit report immediately.

Failure to comply, continued reporting of unverifiable information, or the use of automated verification processes without documentation constitutes willful noncompliance under FCRA 616, and I will not hesitate to pursue all available legal remedies.

I expect written confirmation of deletion or copies of full validation documents mailed to my address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I disputed a collection reported by Credit Collection Services related to an insurance claim. XXXX  marked it verified, but no documentation was provided showing liability, itemized charges, or CCSs authority to collect. 

I request CCS provide documentation proving legal responsibility, itemization, and assignment. If CCS can not substantiate, the account should be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
Cnac I dont have that car anymore so it shouldnt be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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