vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am demanding the immediate deletion of the XXXX XXXX Synchrony Bank account reported since 2021. The reporting of this tradeline is reckless, non-compliant, and legally indefensible. 
1. FCRA 607 ( b ) Gross Failure to Report With Maximum Possible Accuracy This account contains multiple discrepancies and missing critical data including DOFD, complete payment history, and accurate date reporting. 
If Synchrony can not certify every single line-item, then you are knowingly reporting false and incomplete data, which is illegal under federal law. 
2. FCRA 611 ( a ) You Must Remove Unverified Information This account is from 2021. 
If the furnisher can not produce : The original signed application Full statements from opening to closure Precise DOFD documentation Closure and status verification Then the information is not verified, and the FCRA requires you to delete it immediately. 
Synchrony Bank is well-known for purging records after a few years, so failure to verify this 2021 tradeline will be considered willful noncompliance. 
3. FCRA 623 ( a ) ( 2 ) Continuing to Report Outdated or Incomplete Info is Illegal If you continue reporting partial, inconsistent, or unverifiable data, you are directly violating 623 ( a ) ( 2 ), which requires furnishers to correct or delete inaccurate information. 
FINAL NOTICE If this account is not removed immediately, I will file complaints with : The CFPB The FTC My State Attorney General AND I will pursue civil damages under FCRA 616 and 617 for willful and negligent noncompliance. 
Delete this XXXX XXXX Synchrony Bank account now.

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems are reporting the incorrect amount to my consumer report. Jefferson is reporting a balance of {$1900.00} as of XX/XX/year>. On XX/XX/year>, I spoke with XXXX in Jefferson legal department who confirmed to me that my balance is {$1500.00}. I proceeded to ask why is a different amount is being reported to my consumer report? XXXX told me to focus on the balance and not the amount thats being reported to the consumers. I, XXXX XXXX am writing to formerly dispute the inaccuracy amount of the alleged debt pursuant to 15 U.S.C. 1692e and 1681i. This dispute is in regards to file number XXXX. The resolve this, I request that you provide a detailed statement of the account, and the full amount you claim I owe. Please correct the amount on my account immediately. Since this information has been reported to credit bureaus, I request that you contact all consumers this information has been reported with the correct amount or deletion. Attached is a copy of my balance from Jefferson that was mailed to me on XX/XX/year>. At the time, the balance was $ XXXXPlease provide correct amount of debt owed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
what happened XXXX XX/XX/year>, XXXX XXXX 1. I chose to pay in XXXX  when booking a hotel on XXXX. 

2. I paid using my XXXX XXXX debit card through PayPal. 

3. When paying with PayPal, there was only one page showing XXXX as XXXX, and only a " Pay '' button ; there were no other buttons.

4. PayPal transferred XXXX from my XXXX XXXXXXXX XXXX XXXX to my PayPal account without authorization, and then PayPal converted my XXXX into XXXX without authorization to earn illegal fees and exchange rate differences. 

5. I converted my XXXX in my XXXX XXXX account into XXXX 5 minutes before payment. 

6. My XXXX  was all converted from XXXX. If I were to convert my XXXX  to XXXX, it would be a double conversion, and the transaction fees would be far too high for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I dispute Goldman Sachs response as inadequate and non-compliant with federal law. Their response fails to meet verification obligations under : FCRA 15 U.S.C. 1681i ( a ) ( Reinvestigation ) FCRA 15 U.S.C. 1681s-2 ( b ) ( Furnisher Duties ) 16 CFR 681 ( Red Flags Rule ) The Bank claims I opened and consented to the account but has not produced any required verification evidence : Identity authentication records IP address logs Device identifiers Geolocation data Application metadata The method used to validate my identity Without these, no furnisher can legally declare an account verified. 
The Bank admits red flags were triggered but refuses to disclose them. Red flags, by definition, indicate possible identity theft. Their refusal to provide them demonstrates an incomplete investigation and a failure to comply with identity-theft procedures. 
Providing account statements is NOT legal verification of identity. Statements do not prove authorization and do not satisfy 1681i ( a ) s requirement to verify disputed information. 
The Banks claim that they can not delete the tradeline is legally incorrect. If the furnisher can not verify the account with evidence, the information must be deleted or corrected. 
I request the CFPB require the Bank to provide : The full application audit trail ( IP, device ID, timestamps ). 
All identity-verification procedures used. 
Documentation of the red flags and steps taken under 16 CFR 681.

Proof of compliance with 1681s-2 ( b ) during the reinvestigation. 
A complete explanation for reporting an account as fully accurate despite internal fraud indicators. 
I request continued CFPB involvement and escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, CHALLENGEDORNOT.

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 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I was attempting to secure concert tickets from a person named XXXX XXXX XXXX XXXX which required me to send a deposit of {$50.00} to a Chime contact by the name of " $ XXXX XXXX XXXX her boyfriend ) or ' $ XXXX ' ( her friend ). Unfortunately, I never received the concert tickets. When I requested a refund from the scammer, they ignored and blocked me. I then requested to cancel the transaction with Chime Chat but was deferred to Phone and when I tried to call through Phone, I was placed on hold and was unable to get ahold of anyone to cancel the transaction in time. 

I initially opened the Chime account to create a new personal account for budgeting purposes and for the promotional bonus offer, but I feel the above experience and lack of safeguards has deterred me from proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
They promised over the phone if I gave them extra money theyd return the car. I gave them all the money they asked for, but they refuse to send the release form to the auction house. They also decided they want to keep the car and my {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, I called Capital One to ask what amount I needed to pay in order to avoid interest on my next billing cycle. My full balance was higher, but the representative specifically told me that if I paid around {$2400.00}, I would not be charged interest on the next statement. To be safe, I paid {$2500.00}, which was more than what I was told was required. 

Despite following their instructions exactly, I discovered today that I was still charged interest. When I contacted customer service to dispute the charge, I asked them to review the call notes or the recorded call from XX/XX/XXXX to verify what their representative told me. The agent refused to review the call, refused to escalate the issue, and insisted the interest charge could not be removed. 

Additionally, Capital One sends my billing statement the same day the interest posts, which leaves no time to review the balance or prevent the charge. This practice feels predatory because a customer can not take any action to correct or avoid the interest before it is added. 

I relied on the representatives instructions and made a large payment specifically to avoid interest. Capital Ones refusal to verify the call, along with the timing of the statement and interest posting, has caused financial harm and appears deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-11-30 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XX/XX/year> -- {$1000.00}

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an offer in the mail from Citibank on XX/XX/year> application ID number XXXX. 
The Offer stated that I was pre-approved for the Citi XXXX XXXX. It had a QR code to scan and apply, and when I followed the instructions, I was told that I did not qualify and I would get a letter in the mail explaining why. 
On XX/XX/year>- Citi sent me a letter, thanking me for my interest in the card, but they were unable to approve the application and said my score wasnt high enough even though I have a credit score above 700 and it has not changed in over two months. 
In addition, they made my credit score worse because they did a hard credit pole and this is the second or third time. Citibank in particular has said I was approved for something yet denied me. 
I have already opted out out of preapproved application, so I shouldnt even be getting this stuff in the mail. 
They also wrote in this letter that they could not give me any information about why my credit score was too low - nor tell me what my credit score was Because its not too low its XXXX. I just checked it with my banking institution.

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 2025-11-30 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: Experian Information Solutions 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 2025-11-30 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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, CHALLENGEDORNOT.

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 2025-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I AM REPORTING SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR RECOGNIZE. THESE INCLUDE : XXXX XXXX  XXXX XXXX ( XX/XX/year>, EXPERIAN ) XXXX ( XX/XX/year>, EXPERIAN ) XXXX XXXX ( XX/XX/year>, TRANSUNION ) XXXX XXXX ( XX/XX/year>, TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/year>, TRANSUNION ) XXXX XXXX XXXX ( XX/XX/year>, EXPERIAN ) XXXX XXXX XXXX A ( XX/XX/year>, EXPERIAN ) XXXX XXXX ( XX/XX/year> XXXX EXPERIAN ) XXXX XXXXXXXX ( XX/XX/year>, EXPERIAN XXXX XXXX XXXX XXXX XXXX ( XX/XX/year>, EXPERIAN XXXX XXXX ( XX/XX/year>, EXPERIAN ) I DID NOT APPLY FOR CREDIT WITH ANY OF THESE ENTITIES. I REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE REMOVED. I ALSO FILE AN FTC REPORT 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I contacted XXXX XXXX about the debt Jefferson Capital is attempting to collect on and has on my credit reports. I received communication from the original creditor stating " Your account was not charged off and sold to Jefferson Capital. '' I sent a copy of this communication to Jefferson Capital and they are still attempting to a collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: TX

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation