vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Company Synchrony closed my Guitar Center account and removed it from my web portal preventing my from the ability to make payments online in a timely manner. Gave me option to make payments via XXXX mail service with a check or call and give payment information to a representative over the phone.

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 2025-10-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIANXXXX XXXX XXXX XXXX XXXX XXXXRe: Follow-Up on Unresolved Disputes  Report Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear EXPERIAN DISPUTE DEPARTMENT,\n\nThis is a follow-up to my original dispute letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent via certified mail (receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, respectively), regarding inaccurate personal information on my credit report. The disputed items include:\n\tInaccurate/Outdated Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtInaccurate/Outdated Telephone Numbers: XXXX XXXX XXXX XXXX XXXX XXXXInaccurate Name Variations: XXXX XXXX XXXX XXXX  (without middle initial), XXXX XXXX XXXX  (variations not associated with me).\n\nAs of XXXX XXXX XXXX more than 30 days (and exceeding any potential 45-day extension) have passed without a response, investigation results, or confirmation of verification from you, in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i. These items remain unverifiable and inaccurate, and their continued presence is causing undue harm to my credit profile.\n\nI DEMAND the immediate deletion of all disputed items from my credit file, as required by law when a dispute is not resolved within the statutory timeframe. Enclosed are copies of my original dispute letters, certified mail receipts, and supporting documents (XXXX XXXX XXXX license, Social Security card, and vehicle registrations confirming my correct personal information).\n\nIf these items are not deleted within 10 days of receipt of this letter, I will escalate this matter to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and relevant state authorities, and may pursue legal remedies for willful noncompliance. Please provide written confirmation of the deletions and a free updated copy of my credit report.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCopies of original dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXXCertified mail receipts.\n3.\tProof of identity (driver\'s license, SSN card, vehicle registrations).'

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 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NV

Complaint narrative:
I signed a XXXX  month residential lease on XX/XX/XXXX with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I gave a 60 day notice on XX/XX/XXXX to XXXX XXXX to vacate and terminate lease ( as stated in lease ). I moved out on XX/XX/XXXX. I payed in full for XXXX and pro rate rent up to XX/XX/XXXX and have a ZERO balance. I found out later that XXXX XXXX charged me an additional {$1400.00} and sent me to collections even though i have email confirmation of 60 day notice and verification that they received keys on XX/XX/XXXX and had a XXXX balance. The collection company is Pro Collect XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I do not owe Pro Collect anything nor did i sign a contract with Pro Collect. I was not provided with any written notice or explanation of how I owe these charges that appeared on my credit report. They completely trashed my excellent credit rating due to this fraudgelant collection notice.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-10-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate information on my credit report that fails to meet the standard of maximum possible accuracy. These errors are harming my credit and causing ongoing hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
This account has been mistakenly attached to my credit profile.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
To who it may concern I have unauthorized charges on my account and I have already tried to contact the bank and nothing has been done I was provided a new card but no assistance on retrieving my funds I ask for help there are multiple merchants and multiple charges it has also been respirated to the federal trade commission as well I dont know what else to do these debit cards say the customers money is protected but thats incorrect it is false advertising they say that they will help and that I can dispute the charges customers put in dispute and in less than 3 days they state there is no error they dont find it in our favor. These charges were unauthorized and I do not have money to just give away my mother just passed away and to have to loose my money as well is not fair these charges go back to XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
There is over XXXX dollars in charges that are unauthorized and I ask for help I have also sent the FTC report to the company and still no help if the charges are needed and dates I can provide as well as the report again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against [ Credit Bureau Name ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account XXXX XXXX on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Experian within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
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 2025-10-07 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: 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, a {$1200.00} USD international wire transfer was sent to my Chase account from a bank in the XXXX XXXX XXXX ( via XXXX XXXX XXXX  as the intermediary ). The sender entered an incorrect XXXX  code ( XXXX instead of XXXX ), and the funds were never credited to my account. 

XXXX XXXX confirmed that the transfer was successfully executed and that they have repeatedly contacted Chase to confirm whether the funds were credited or returned, but received no response. 

I contacted Chase numerous times through phone calls, branch visits, and secure messages between XXXX and XX/XX/year>. XXXX XXXX XXXX XXXX department acknowledged that the funds were not received due to the wrong XXXX code and asked me to provide a debit authorization so the funds could be returned to the sender, which I did in XX/XX/year>. 

Since then, Chase has repeatedly stated that validation is still awaited, with no progress or documentation of any investigation. I have been told multiple times that I would receive an update within XXXX hours, but I have not received any follow-up. 

On XX/XX/year>, I filed a formal complaint with Chases Executive Office. They acknowledged receipt but have not provided any response or resolution as of XX/XX/year>. 

This has now been over XXXX months since the original transaction, and the funds remain unaccounted for. Both I and the originating bank have made multiple good-faith attempts to obtain an update from Chase, but there has been no clear communication, investigation results, or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting a review and update of my personal information listed on my credit report dated XX/XX/XXXX. I noticed that some of the information reported is outdated or incorrect. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have my credit file corrected and maintained accurately. 
My identifying information : Correct Name : XXXX XXXX XXXX Date of Birth : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX The following information on my report is inaccurate or outdated and should be removed : Inaccurate Name : The alias XXXX XXXX XXXX is not my name and should be deleted. 
Previous Addresses : XXXX XXXX XXXX, XXXXXX/XX/XXXXand XXXX XXXX XXXX, XXXX,XX/XX/XXXX are outdated and no longer relevant. 
Employers : The listed employer XXXX XX/XX/XXXX is outdated and should be removed. 
These inaccuracies do not represent my current or valid information and may affect the accuracy of my credit profile. I am requesting a complete investigation and for all outdated or incorrect personal information to be permanently deleted from my credit report.

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 2025-10-07 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: TN

Complaint narrative:
This account reports XXXX lates on XXXX XXXX XXXX but shows none on Experian.

Such inter-bureau contradiction violates FCRA 607 ( b ) and Reg V 1022.42 ( b ), which require complete and accurate data.

I dispute all alleged lates for this account. Please obtain running statements or ledgers proving the precise due-date, receipt, and posting of any supposed delinquency. If no independent verification exists, delete all late-payment data or the entire tradeline under FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I am filing this complaint regarding my CITI XXXX  credit card account. My wife was the victim of a sophisticated scam in which she was manipulated into believing she was helping to establish an organization advocating for XXXX XXXX XXXX  and their families. Under this false pretense, she made purchases intended to set up an office for this initiative. Ultimately, the office equipment and supplies were diverted to the scammer, and the purchases that were initially reimbursed were later charged back to our card, leaving us responsible for approximately {$54000.00} in charges. 

We took immediate actionfiling a police report and submitting multiple complaints and documentation to CITI. Despite our efforts, no meaningful investigation or support was provided to help identify or prosecute the scammer.

Resolution of Balance : Although we were victims of a scam, we took full responsibility and paid the entire balance in full and on time, without negotiating a reduced amount or settlement. To do this, I was forced to take out a second mortgage on my home, placing my family under significant financial strain. We did this to maintain our financial integrity and fulfill our obligations. 

Denial of Card Rewards : After resolving the balance, we were informed by CITI that we would not receive the card rewards we had earned. This decision feels unjust and punitive, especially considering : The charges were the result of a scam. 

We paid the full balance. 

We made every effort to cooperate with authorities and CITI to resolve the matter.

Request for Resolution : At a minimum, I am requesting that CITI : Reconsider and honor the card rewards that were denied.

Provide a clear explanation for the denial in writing. 

Offer transparency regarding their scam investigation process, and why no action was taken despite police involvement. 

Ideally, I would hope that CITI would also recognize the extraordinary financial burden this scam placed on my family and take steps to support us in some meaningful way. 

Upon reflection and research, its clear that the scam was a textbook case, and yet no executive action was taken to shut it down swiftly. It appears that CITI may have been aware that, regardless of the scam, I would be held responsible for the charges and they would recover their money. 

This lack of urgency and accountability is deeply troubling. I am asking CITI to do the right thingnot only by honoring the rewards, but by acknowledging the harm caused and the opportunity they had to intervene more effectively.

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AK

Complaint narrative:
XXXX XXXXXXXX I requested from Credit Acceptance that I wanted my vehicle XXXX XXXX XXXX  to be repossessed as I couldn't afford two car payments. Credit Acceptance stated okay and never came to pick up the car. I called again XXXX XXXX, they stated that it was in repossession as I stopped making payments on the car and that someone would be at my residence in 3 days to pickup the car. XXXX XXXX  I contacted Credit Acceptance again as they still never came to repossess the car, like I requested in XXXX XXXX They stated again that someone will be in contact with me and that they will be there in 3 days to repossess the car. XXXX XXXX, still the repossession did not happen, contacted Credit Acceptance again and they stated someone would be there in 3 days to repossess the car. XXXX XXXX, I contacted Credit Acceptance again and they stated that they will stop calling and come repossess the car in 3 days. XXXX XXXX XXXX XXXX XXXX the car is still on my property, credit acceptance has not tried to repossess the car, but they are still reporting late payments on my credit report. Since XXXX XXXX they have marked my credit report that I have missed payments instead of coming to repossess the car as I asked. \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