vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I am filing a complaint because a collection account that is already paid in full is still being reported on my credit reports. 
I contacted the collection company and received written confirmation from them that the debt is fully paid. 
However, despite confirming payment, the company has not updated the status with the credit bureaus, and the account continues to appear as a negative item. 
This incorrect reporting is hurting my credit score and affecting my mortgage approval process. 
I am requesting that the CFPB require the company to correct this inaccurate reporting immediately and remove or update the account on all credit bureaus XXXX XXXX XXXX, and XXXX XXXX 
I have written proof of payment from the company and can provide documentation if needed.

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX Synchrony Bank ( CareCredit ) added a deferred interest charge of {$2300.00} on XX/XX/year>, after my deferred-interest promotional period expired. 
I understand how deferred interest works ; however, I recently moved and did not receive timely physical notices. Email reminders were overlooked due to the transition, so I was unaware that the promotion was about to expire. 
I was making consistent monthly payments and did not intentionally miss the deadline. The sudden charge of over {$2300.00} created significant financial hardship. 
I requested a goodwill adjustment or removal of the deferred interest from Synchrony Bank, but the issue remains unresolved. I am seeking CFPB assistance in obtaining a one-time courtesy reversal, which is a common resolution Synchrony provides to similarly situated customers. 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 monetary relief
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
Absolute resolution investment have reported several negative accounts that I have no knowledge of. I ask for them to provide evidence the accounts belong to me and should be on my report.I requested evidence of a signed contract with my signature. They never produced it and was told they didn't have to show me any debt Validation information.I 'm asking if you can't produce this to please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
XXXX XXXX ( account # not provided ) XX/XX/XXXX {$9200.00} XXXX XXXX ( account # not provided ) XX/XX/XXXX {$0.00} XXXX account # XXXX XX/XX/XXXX {$11000.00} I've legally disputed these accounts on several occasions, once removed it resurfaces. These are fraudulent accounts were opened illegally without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Westlake Portfolio Management is reporting a charge-off account that has not been validated. They have not provided the original contract, payment history, breakdown of the charged-off amount, or documentation proving the accuracy of the balance. 

Their verification with the credit bureaus was automated and lacked documentation, violating FCRA 611 and 623.

As an XXXX service member, Westlake Portfolio failed to apply SCRA protections or verify my military status before reporting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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.

15 U.S. Code 1681 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 2025-12-02 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: Global Lending Services LLC
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX or more late payment ( XXXX ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
XXXX'I am submitting once again to formally dispute the ongoing inaccuracies on my Experian credit report.XXXXThis is now my third attempt to have these errors corrected, and I am increasingly frustrated with the\nlack of progress. Despite multiple prior disputes and the submission of supporting documentation, myXXXXfile continues to reflect incorrect information, which is both misleading and unacceptable. Experian isXXXXobligated under the Fair Credit Reporting Act (FCRA) to ensure that all information reported isXXXXcomplete, accurate, and verifiable. Sections 607(a), 611(a), and 623(a)(1)(A) specifically require thatXXXXany information that cannot be verified must be corrected or removed. The repeated failures to\naddress these errors demonstrate a serious lack of compliance with these legal requirements.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : 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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I discovered XXXX unauthorized transactions on my Klarna account. These transactions were processed through XXXX without my knowledge or consent. Immediately after noticing the activity, I contacted XXXX to report suspected fraud. 
XXXX informed me that they identified suspicious activity and subsequently closed the account associated with the fraudulent orders. Despite this, Klarna has continued to state to my financial institution that the purchases were authorized by me, resulting in my bank denying the dispute. 
Unauthorized Transactions The following fraudulent Instacart charges were processed through Klarna on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Total Fraudulent Amount : Approximately {$2500.00} Evidence That I Was Not the Purchaser At the exact times these transactions were processed, I was physically present at my workplace in XXXX XXXX  conducting a scheduled XXXX meeting as part of my duties as a XXXX XXXX XXXX 
I will be providing the following supporting documentation : Proof of my physical location during the timeline of the fraud ( work email activity, calendar records, and meeting documentation ) Screenshots of the fraudulent Klarna transactions A formal police report documenting the fraud Communications with XXXX confirming account closure due to suspicious activity Concerns and Request for Federal Support Despite my immediate report to XXXX and detailed explanations to Klarna and my bank, I have been informed that Klarna is claiming the transactions were authorized. This is inaccurate. 
The pattern of charges, timing, and the fact that my XXXX account was accessed under different phone numbers demonstrates a clear account compromise. 
I am requesting assistance from the Federal Bureau of Investigation due to : Ongoing unauthorized access and misuse of my financial information Failure of Klarna to properly investigate or protect my account The significant financial impact of these fraudulent transactions Potential identity theft or account takeover activity involving multiple platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
b'According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below: XX/XX/XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance $XXXX  Date Last Active:XXXX XXXX  Balance - Date Last Active:XXXX XXXX CARD/XXXX BANK XXXX  XXXX  Balance $XXXX\XXXX  XXXX Balance $XXXX  Date Last Active:XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX  Balance $XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  XX/XX/XXXX, NJ 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 2025-12-02 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: GA

Complaint narrative:
Consumer Complaint to CFPB XXXX XXXX XXXX XXXX XXXX XXXX. What type of problem are you reporting? 
Credit reporting, identity theft, inaccurate information, and unauthorized inquiries. 

XXXX. What do you want the company to do? 

Permanently delete all inaccurate, unverifiable, or mixed-file items from my credit report. 

Correct cross-bureau inconsistencies in account details ( balances, dates, payment history, and account status ). 

Remove all late-payment markers and charge-offs that are not supported by verification. 

Block identity-theft-related accounts and unauthorized inquiries. 

Provide full documentation ( Method of Verification ) for any items retained. 

Provide updated, accurate credit reports for all bureaus. 

XXXX. What happened? 
I have experienced identity theft and multiple data breaches, which have resulted in : Accounts being reported incorrectly across credit bureaus. 

Unauthorized inquiries appearing on my credit reports. 

Previously deleted items being reinserted without proper certification. 

Late-payment and charge-off information being reported without verification. 

Mixed-file reporting, causing some accounts to appear under incorrect personal information. 

Specific examples include : A revolving credit card account reported differently across bureaus : missing from XXXX bureau, date opened discrepancies, and date last active inconsistencies. 

Multiple inquiries from creditors that were not authorized. 

XXXX accounts, charge-offs, and late payments reported inconsistently across the XXXX major bureaus. 

XXXX. How did this affect you? 

Lowered credit score due to inaccurate reporting. 

Potential denial of credit, loans, and financial services. 

Difficulty in correcting records due to reinsertion of previously deleted items. 

XXXX. What have you done to resolve the problem? 

Submitted dispute letters to all three credit bureaus. 

Requested deletion and corrections for all unverifiable or inconsistent items. 

Provided supporting documentation, including FTC identity-theft report and police report. 

Requested proof of verification ( MOV ) for all retained items.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
Company is falsely and inaccurately reporting information in my consumer/credit file which is due to identity theft/fraud. The information the company is reporting is causing great personal and professional harm. I am a victim of fraud and the information contained in all of company reports are a direct result of fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: FL

Complaint narrative:
BMG Money requires installment payments listed in the loan contract to be remitted by payroll deduction. There is no other option to pay. Because of this, if any payroll amounts are processed outside of your normal payroll schedule, those funds are sent to BMG Money. An unexpected bonus of {$100.00} was processed through my payroll on XXXX XXXXXX/XX/year> and the loan payment amount of {$75.00} was sent to XXXX as they are listed to be paid first from any payroll amount and the remainder to me. XX/XX/XXXX is NOT a regular payroll date. I called a requested a refund. I was told that the process takes XXXX business days. During that timeframe, there would be a XXXX holiday date of XX/XX/XXXX placing the completion of the refund approval by XX/XX/XXXX. During this time, I called several times to check the status of the refund with at least XXXX representative stating a XXXX business day timeframe. I explained that I had no food and was depending on the bonus to have food since my partner has not been paid because of the government shutdown. I asked to speak to a supervisor and was called back and told by the supervisor there was no timeframe for the refund and that it could take up to XXXX business days to receive my money back. She stated there was nothing she could do. I then called again on XX/XX/XXXX and was told by another rep that stated there is no timeframe for them to process refunds. They will get to it " whenever they can ''. Every rep that I spoke with stated that my account is current and that the next payment which was due XX/XX/XXXX was actually already paid. I also did not authorize any payments or submit any " extra '' payments for my loan. I signed a contract with a payment schedule and that is the only schedule I plan to keep. So I am extremely baffled at how BMG can decide to sit on a payment that was received outside of my contracted schedule for an entire month or more and refuse to refund it to me in a reasonable and timely manner when SURELY if I miss any payment, THEY expect THEIR money IMMEDIATELY according to the loan contract. This is an absolute disgraceful business practice that needs to be corrected. I have never experienced any business entity that willfully withholds funds that should be refunded to their customers for no reason and for such an absolute unreasonable amount of time.

Company response to consumer: Closed with explanation