vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year>, {$36.00} overdraft fee. XX/XX/year> $ XXXX overdraft fee and XX/XX/year> {$36.00} overdraft fee. My paycheck was deposited the XXXX and some unexpected charges went through. I called Truist as I have been with them ( and XXXX  ) for over 18 years and was told you can only dispute overdraft charges once a year and theres nothing they can do. Its very disheartening especially since they are basically stealing funds by charging {$36.00} every single time.

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 2025-09-02 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
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  : Complaint Against PayPal Mishandling of Dispute for Services Not Rendered Dear CFPB, I am filing this complaint against PayPal for improperly denying my dispute, despite clear evidence that the services I paid for were not delivered as agreed. 

In XX/XX/year>, I made a hotel reservation through XXXX  and paid in advance using PayPal for the dates XXXX XXXX XXXX When I arrived, I was subjected to conditions and treatment that no consumer should endure : I was XXXX profiled, insulted, and falsely accused by hotel staff. 

I was served contaminated food, which left me seriously ill ( XXXX XXXX XXXX throughout the night ). 

The hotel falsely accused me of damaging property, a claim later shown to be untrue. 

I felt unsafe in the hostile environment and was forced to leave earlier than planned. 

The hotel acknowledged its failures and promised me a refund for the unused portion of my stay. They even issued me an adjusted receipt confirming the refund. However, I never received it. 

I turned to PayPals Buyer Protection program for help, but PayPal denied my claim. Their reason was simply that the transaction had been authorized. This completely misses the point. I have never disputed that I authorized the payment. My dispute is based on the fact that the services paid for were not delivered in a safe, fair, or acceptable manner, and the promised refund was never provided. 

By refusing to investigate the substance of my claim, PayPal has failed to provide the protections it advertises. Both federal law and PayPals own policies make clear that consumers are not required to pay for services that were not provided as agreed : The Fair Credit Billing Act ( 15 U.S.C. 1666 ) protects consumers from being held liable for charges when goods or services are not delivered as agreed.

PayPals Buyer Protection Policy promises to cover transactions where services are not provided or not as described. 

PayPals handling of this case has left me financially harmed, humiliated, and without the protections I relied on when choosing to pay through their platform. 

I respectfully request that the CFPB intervene, require PayPal to properly investigate this dispute, and hold them accountable for failing to uphold consumer protections.

Attached are copies of the adjusted hotel receipt, PayPals denial notice, and supporting documentation. 

Thank you for your time and for your attention to this serious matter. 

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
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
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  Subject : Request for 1099-C and Dispute of Continued Monthly Reporting on Charged-Off Account To Whom It May Concern, I am writing to formally dispute the continued monthly reporting of the charged-off account with the account number that appears on my credit report. I also request that you provide a copy of IRS Form 1099-C ( Cancellation of Debt ), if it has been filed, in compliance with federal law. 





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 According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, information furnishers must ensure the accuracy and integrity of the data they report to credit reporting agencies. If a debt has been charged off and a 1099-C has been filed with the Internal Revenue Service indicating cancellation of the debt, continued monthly reporting of a balance or payment activity is misleading and may be considered inaccurate under FCRA guidelines.

If the debt has in fact been forgiven or written off as a loss, and a 1099-C has been issued, please provide a copy of this document for my records. If no such form has been issued, I request that you clarify the current status of the account and cease any inaccurate or misleading reporting in accordance with both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692e, which prohibits false or misleading representations in connection with the collection of any debt.

If I do not receive a response within 30 days of receipt of this letter, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau and/or seeking legal advice regarding possible violations of federal consumer protection laws. 



Please respond in writing to the address above. I appreciate your timely attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding fraudulent and inaccurate accounts and inquiries that have appeared on my credit report. 

I want to make it clear that I have already submitted formal written disputes directly to the credit reporting agencies ( XXXX XXXX XXXX XXXX  ) and to the creditors/collection agencies that are reporting this information. In those disputes, I specifically requested that the furnishers provide proper validation and documentation of the alleged debts, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my good faith requests, the creditors have either failed to provide the proper documentation or continued to report these accounts as valid. This has resulted in ongoing harm to my credit standing and financial opportunities. 

I am therefore requesting that the Consumer Financial Protection Bureau review this matter and compel the credit reporting agencies and creditors to comply with the law by either producing the required validation or immediately removing the inaccurate and fraudulent information from my file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 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: FL

Complaint narrative:
I have been the victim of a serious case of identity theft that has greatly affected my peace of mind and stability. Unknown individuals opened accounts in my name without my consent, causing significant damage to my credit history and putting both my financial and personal situation at risk. This circumstance has left me feeling extremely vulnerable and concerned. 

Therefore, I urgently request that all fraudulent accounts be blocked and permanently removed from my credit report in order to prevent even more serious consequences. 

Fraudulent Accounts : 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 XXXXXX/XX/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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
NV Funding LLC, through its servicer Resurgent Capital Services, is attempting to collect on an account originally opened with XXXX XXXX XXXX  and later associated with XXXX XXXX According to their XX/XX/XXXX response, LVNV acquired the account on XX/XX/XXXX, and claims the account charged off in XX/XX/XXXX with a balance of {$8200.00}. 
Despite my disputes, Resurgent/LVNV continues to report the account to the credit bureaus. They state that they are reporting it accurately and as disputed, but I contest the validity of this account and object to further collection attempts. I also do not consent to further communications under the Fair Debt Collection Practices Act. 
This debt is not valid as presented, and the continued reporting of this account is damaging my credit and causing ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-02 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this formal complaint regarding fraudulent misrepresentation of mileage on a vehicle I purchased from XXXX XXXX in XX/XX/XXXX and Regional Acceptance ( Lender ). 

At the time of purchase, the dealership represented the mileage on the vehicle as XXXX miles, which was documented in the signed purchase agreement. I was also assured by dealership staff that a XXXX report is pulled with all vehicles sold, which I relied upon in making my decision. 

Recently, when I attempted to refinance my truck, I personally obtained a XXXX report. This revealed that the actual mileage at the time of purchase was over XXXX miles not the XXXX miles I was led to believe. XXXX records clearly show mileage entries dating back to XX/XX/XXXX through the date of my purchase, making it impossible that the dealership was unaware of the discrepancy if they had indeed pulled a XXXX as promised. 

This constitutes odometer fraud, as I was sold a vehicle under materially false pretenses. As a result, I paid well above the true market value for the truck based on the falsified mileage. I am now unable to refinance or trade in the vehicle due to the inaccurate odometer history, leaving me financially harmed and with a vehicle worth significantly less than what I was led to believe. 

When I contacted XXXX XXXX and spoke with multiple managers, I was told they could not assist me to reach out to Regional Acceptance. I have since filed legal complaints with both the Texas Attorney Generals Office and the Texas DMV. 

As of today, the odometer reading on my vehicle is XXXX miles, while the true mileage, as verified by XXXX, is actually XXXX miles. This further demonstrates the severity of the discrepancy. 

I respectfully request that this fraudulent activity be investigated and that my credit report be updated to reflect the accurate circumstances of this purchase. I also request that this complaint be recorded in relation to XXXX XXXX business practices so that no other consumer suffers similar harm. 

I released the vehicle back to Regional Acceptance as I could no longer pay for a vehicle that should have been paid in the years I owned it. Now they are reporting this on my credit as a repossession and charge off with late payments.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am formally disputing a fraudulent account that appears on my credit report. I have never authorized, opened, or used this account, and its inclusion is entirely inaccurate and damaging to my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion to address inaccurate information appearing on my credit report. Enclosed with my dispute were all required identity verification documents, including a government-issued photo ID, social security card , and a recent bill displaying my current address.

In my letter, I clearly outlined my request for a proper investigation and asked TransUnion to provide transparency in their verification process by disclosing : - The method used to verify the disputed item - The date TransUnion contacted the creditor or data furnisher - The name and contact information of the creditor/furnisher - The name of the individual who conducted the verification - The communication method used ( e.g., phone, email, mail ) - Confirmation on whether any personally identifiable information ( such as my SSN, address, or date of birth ) was exchanged during the verification.

As of today, more than 30 days have passed, and I have received no response, no update, and no resolution from TransUnion. This lack of action constitutes a clear violation of their legal obligations under the FCRA and reflects a pattern of willful disregard for consumer rights and regulatory compliance.

This failure to investigate or even acknowledge my dispute demonstrates a deliberate disregard for federal law and my consumer rights. TransUnions refusal to comply has left inaccurate information uncorrected on my credit file, causing ongoing harm to my credit standing and financial opportunities. A copy of my original dispute letter is attached as evidence.

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 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief