vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
XXXXFollow-Up to CFPB Case XXXXXXXX LDV Law Misrepresentation and Continued Collection After Dispute\n\nI am submitting this follow-up complaint because Lyons, Doughty & Veldhuis, P.C. (LDV Law) provided false information to the CFPB and continued collection contact after I formally disputed the debt and requested validationXXXXTIMELINEXXXX XXXX  I received a debt collection letter from LDV Law on behalf of XXXX XXXX XXXX  (XXXX XXXXXXXX XXXX XXXXXXXX XXXX account)XXXX XXXX   I mailed a debt-validation request via certified mail (tracking no. XXXX XXXX XXXX XXXX XXXX XXXX).XXXX XXXX   USPS confirmed LDV Law received my letter.XXXX XXXX  I received eleven collection emails from XXXX with the subject John, please choose a resolution option for your XXXX  acct. (Dates: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\XXXX XXXX  I replied by email reminding them that the debt was disputed and requesting all communication stop until full validation was provided. LDV Law replied with an email claiming a copy of the validation was attached, but no proper validation documents were included and nothing was ever mailed to me.XXXX XXXX  I filed CFPB complaint XXXX XXXX  LDV Laws official CFPB response falsely stated: Our office then provided information and documentation to the complainant that satisfied the requirements of the FDCPA/Reg F by way of our letter dated XXXX XXXX XXXX and we withheld contact with the complainant until this validation was provided. This statement is untrueno letter was ever received, and they emailed me repeatedly after XXXXVIOLATIONS\n FDCPA 1692g(b): Continued collection activity after written dispute and before mailing validation.\n FDCPA 1692e(10): False or misleading representation to both the CFPB and the consumer.\n FDCPA 1692c(c): Contacting me electronically after written request for mail-only communication.\n\nREQUESTED ACTION\nPlease require LDV Law, P.C. to produce objective proof of mailing or delivery of the alleged XXXX XXXX XXXXXXXX validation letter (such as USPS or third-party vendor mailing records) and determine whether their conduct constitutes violations of the FDCPA and misrepresentation in their CFPB response.\n\nATTACHMENTS\n LDV Law initial letter dated XXXX XXXX My XXXX  certified debt-validation request  \n USPS delivery confirmation dated XXXX XXXX Sample collection emails received after XXXX XXXX LDV Laws XXXX CFPB response letter\n\nI certify the above information is true and accurate to the best of my knowledge.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: OH

Complaint narrative:
This letter serves as a formal complaint against EXPERIAN regarding the inaccurate and damaging reporting of an account associated with my name. The account in question is listed as XXXX XXXX XXXX  partial account number XXXX, opened on XX/XX/XXXX, with a reported balance of {$10000.00} and a false delinquency of XXXX XXXX XXXX XXXXXX/XX/XXXX. This information is factually incorrect and has adversely affected my credit standing. I demand immediate action to investigate, verify, and correct this reporting error. 

EXPERIAN is in violation of multiple provisions under the FAIR CREDIT REPORTING ACT ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information, and 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed data within 30 days. Continued reporting of inaccurate, incomplete, or unverifiable data constitutes WILLFUL AND NEGLIGENT NONCOMPLIANCE under 15 U.S.C. 1681n and 1681o, making EXPERIAN subject to civil liability, statutory damages, and potential punitive remedies. 

In addition to these federal violations, EXPERIAN is also in violation of OHIO REVISED CODE 1349.711349.73, which require consumer reporting agencies to ensure the accuracy and integrity of consumer information and to promptly delete or correct any data found to be inaccurate. Furthermore, under the OHIO CONSUMER SALES PRACTICES ACT ( R.C. 1345.02 ), it is unlawful to engage in deceptive or unfair practices, including the furnishing or retention of false consumer credit information. Failure to comply with these obligations represents a breach of Ohio consumer protection 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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
On Wednesday, XX/XX/year>, at approximately XXXX p.m., I received an email from the management office of XXXX  XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, expressly stating that I was ineligible to renew my lease unless and until my account reflected a XXXX balance. In reliance upon that representation, I elected not to renew my tenancy at XXXX  XXXX and instead secured housing at an apartment community in XXXX. 

Subsequently, without my knowledge, authorization, or consent, management affixed or caused to be affixed a virtual or electronic signature purporting to be mine to a new lease agreement, despite my having never executed such an instrument. On XXXX, XX/XX/year>, I transmitted written notice via email to XXXX  XXXX management advising them of my intent to vacate and terminate my tenancy. Management failed to acknowledge or honor this notice and, instead, proceeded to unilaterally renew the lease and assert that I was responsible for procuring a replacement tenant to assume obligations under an agreement I did not validly enter. 

In further disregard of proper procedure, after I returned the unit keys to the management office upon vacating, the property XXXX placed the keys back into my mailbox and advised me that I would be held responsible if the keys were lost. This sequence of actions reflects an unauthorized use of my purported signature, a disregard of my written notice to vacate, and an improper attempt to impose ongoing contractual liability in direct conflict with their prior written communication and with fundamental principles of consent and lease formation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: OH

Complaint narrative:
This letter serves as a formal complaint against EQUIFAX for inaccurately reporting information related to my credit file. The disputed account is identified as XXXX XXXX XXXX partial account number XXXX, opened on XX/XX/XXXX, with a reported balance of {$10000.00} and a false notation of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This delinquency is incorrect and has caused substantial harm to my creditworthiness. I am requesting that EQUIFAX immediately investigate, verify, and correct this false information. 

EQUIFAX is in violation of several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy, and 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed items within 30 days. By continuing to report inaccurate and unverified information, EQUIFAX has engaged in WILLFUL AND NEGLIGENT NONCOMPLIANCE under 15 U.S.C. 1681n and 1681o, making the agency liable for civil and statutory damages as provided under federal law. 

In addition, EQUIFAX is in violation of OHIO REVISED CODE 1349.711349.73, which require consumer reporting agencies to ensure the accuracy and integrity of consumer credit data and to promptly correct or delete inaccurate information upon notice. Further, under the OHIO CONSUMER SALES PRACTICES ACT ( R.C. 1345.02 ), it is unlawful to engage in deceptive, unfair, or unconscionable practices, including furnishing or maintaining false credit information. Failure to act upon this complaint in a timely and lawful manner constitutes a direct breach of these state provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: MOHELA
State: FL

Complaint narrative:
XX/XX/year> MISSOURI HIGHER EDUCATIONAL LOAN AUTHORITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the FOLLOWING LATE PAYMENTS ON THIS ACCOUNT and updated to PAID AS AGREED OR PAID/NEVER LATE IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter.

I DEMAND that you DELETE the following LATE PAYMENTS FROM ACCOUNT listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNJT NAME : MISSOURI HIGHER EDUCATIONAL LOAN AUTHORITY, ACCOUNT NUMBER : XXXX, BALANCE : {$47000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a Citi checking account around XX/XX/year> after seeing XXXX promotion offering a {$320.00} bonus for completing XXXX or more direct deposits totaling {$3000.00} within 90 days of account opening. I completed this requirement with XXXX XXXX payroll deposits totaling {$4000.00} by the end of XX/XX/year>. 

I called Citi at the end of XX/XX/year>, and the representative confirmed they could see my promotional bonus and advised me to wait. However, when I called again in XX/XX/year> because I still hadnt received the bonus, another representative told me there was no promotional code linked to my account and that I was not eligible. 

I believe I qualified for the promotion and ask Citi to review my account history and honor the {$320.00} bonus that was advertised.

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I never approved its creation or use. Attached are the supporting documents to validate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-09 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Im currently XXXX  .. I called home my family told me there was hard inquiries on my credit profile thats was NOT authorized by me. Under ( FCRA ) USC 15 1681 b, USC 15 1681c, USC 1681i, I am requesting that these hard inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank canceled XXXX accounts ( Lowes, Carecredit, Amazon XXXX XXXX XXXX and Walmart XXXX XXXX  ) I have had for years. Never missed a payment, not close to the limit. Paid extra every month. I have good credit no missed payments on any account. They closed the accounts without notice instead of just dropping the limits to what was owed until they figured out the problem. This is bad business. They can mess with people 's credit. I called and only answer i could get was that they check XXXX  every now and then and it showed I was all of a sudden considered high risk.... they said for me to call XXXX  which I did. And XXXX  said there was nothing they could see that would make Synchrony consider me high rush and they sent out a copy of my credit report. I called synchrony back. Talked to a. Different person who was trying to get more answers and appeal the decision and reopen the accounts. They sent a letter basically saying they can close the accounts for whatever reason whenever they want. This is terrible business practices they are doing. I then typed a letter and sent it in to synchrony to try and further escalate the appeal and to get answers. I have had XXXX luck. This has been an awful experience.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of information reported by you regarding my credit profile and to formally demand the removal of this information as it violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I believe that the information you have reported is inaccurate and has negatively impacted my credit score. Under 1681, I have the right to challenge the validity of any information that is reported about me. Therefore, I request the immediate removal of the following inaccurate information from my credit profile : - [ ALL ACCOUNTS ASSOCIATED WITH XXXX XXXX XXXX XXXX ] Additionally, I request that you provide me with documentation that verifies the accuracy of the information you have reported. If you can not provide such verification, I expect the immediate removal of the disputed information from my credit profile. Please treat this letter as a formal request for the necessary action. I expect a response within 30 days of your receipt of this letter. If this matter is not resolved satisfactorily, I will have no choice but to escalate it to the appropriate regulatory agencies and seek legal counsel to protect my rights. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am filing this complaint because none of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ) have a credit file under my name, even though I hold an XXXX  and have an active American Express credit card that reports to the bureaus every month. 

Despite my responsible use of credit, I have been unable to access my credit reports or view my credit score. I have contacted all three bureaus multiple times, but they each claim that no record exists under my information. I also tried to complete online identity verification, but it always fails because I do not have a Social Security Number. 

As a result, I can not monitor my credit activity, verify my credit history, or build a proper credit profile, even though my creditor confirms that they are reporting to the credit bureaus. 

I am requesting that the CFPB investigate this issue and ensure that the credit bureaus properly create or update my credit file based on my XXXX and existing credit history. 

Details : I am an XXXX  holder ( not an SSN holder ). 
I have an active American Express credit card that reports monthly. 
None of the XXXX bureaus ( XXXX XXXX XXXX ) have a file under my XXXX  or name. 

Desired Resolution : I would like the CFPB to require the credit bureaus to : XXXX. Verify my identity manually using my XXXX and supporting documents. 
XXXX. Create or update my credit file to include my existing credit history. 
XXXX. Provide me with access to my credit reports and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-09 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: FL

Complaint narrative:
I affirm that the false late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both improper and unlawful.

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 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar has had many issues with their online banking system and communications services. I purchased a used XXXX XXXX for XXXX in XXXX  it had XXXX miles and was in an accident with the 2nd owner. That XXXX dealership was closed down. I paid more than what I was supposed to. XXXX cash down and XXXX mthly for almost 5 hrs. Vystar repo my car for not getting the collateral documents needed for them as a lien holder. As a consumer and victim of fraudulent and deceptive employees. I feel like unpaid more than what it worth. 
Sincerely, 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