vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
DebtorXXXX XXXX XXXX XXXXXXXX XXXX card ending XXXX , last Ss XXXX XXXXXXXX was never late on any payments until XXXX  XXXX XXXX filed XX/XX/year>. During the filing period and automatic stay and legal protection, Although debtor was never late prior to filing XXXX/One Main Financial Reported Derogatory Late Payments despite being served creditor notice from bankruptcy court. Please see attached notice and comply with law and take ownership of reporting falsified information to all 3 major credit bureaus to reflect protection until XX/XX/year>XXXX Per Federal Laws please report accurately during automatic stay. Request Consumer Financial Protection Bureau for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank charged my credit card the same monthly fees as Amazon was charging my checking account misrepresenting that they were acting for Amazon with their invoices showing Amazon on the invoices ( Attachment ). I am a member of XXXX, XXXX, XXXX and more and I get the convenience of a credit card to purchase their merchandise. 
When my credit card number changed Synchrony could not get the monthly payments for XXXX and XX/XX/year>. Then they demanded that amount plus a late fee which ran up to approximately {$200.00}. Toward resolving this issue I called Amazon customer service twice which acknowledged that I was a great customer without a single delinquent payment. They understood my complaint and said they will elevate it. In a later phone call with Amazon I was told they have no control over Synchronys actions. I told them that Synchrony wa misrepresenting by listing Amazon in their invoices. 
Synchrony continued to harass me with phone calls every day and threatened to report to the credit bureau. To get Synchrony off my back and to maintain my credit rating I decided to send Synchrony a check of {$30.00} for the amount they could not get from my inactive credit card. Synchrony immediately cashed the {$30.00} check but still demanded approximately {$200.00} for the late fee. Synchrony then reported to the credit bureau, XXXX, ruining my credit rating. Then I called the credit bureau, XXXX, explaining that Synchrony misrepresented with invoices they were acting for Amazon. XXXX  advised me to call Synchrony to explain my case which I did. Synchrony said that the best they could do was to get from me {$40.00} for the late fee and they would restore my credit rating. In order to retain my credit ratingI paid them {$40.00}. However, reported to XXXX  that I still owe them {$6.00} plus. I called XXXX  that Synchrony reneged on their agreement and still wanted to keep me on the hook. Then XXXX  suggested that I report Synchronys unconscionable actions to CFPB. They seem to have restored my credit rating ( XXXX  ) it but may be not fully because Synchronys claim of additional {$6.00} plus. I used to have a credit rating of XXXX plus. 
In all fairness Synchrony should reimburse me all the amount they have charged my credit card from the beginning because Amazon was getting it from my checking account. The amount they should reimburse me should include the {$30.00} check plus the {$40.00} which I paid recently. Their actions appear to me a case of misrepresentation. 

Synchrony Bank Address : XXXXXXXX XXXX XXXX XXXX XXXX  UT XXXX phone : XXXX Thank you, 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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Rebuttal to CFPB Complaint XXXX  XXXX / Experian This is a formal rebuttal to the response provided by XXXX XXXX and/or Experian regarding my initial complaint concerning the inaccurate and unauthorized XXXX  XXXX account ending in XXXX still appearing on my Experian credit report. In their response, the company claimed they require additional identification or documentation to proceed. However, I already submitted all necessary materials with my original CFPB complaint. These included a government-issued photo ID, my Social Security card , verified proof of address, an FTC Identity Theft Affidavit identifying the XXXX  XXXX account as fraudulent, and current credit reports from all three major bureausnone of which reflect this XXXX  XXXX account on XXXX  or XXXX. According to the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ), once a consumer submits proper identity verification and a valid identity theft report, both the credit reporting agency and the furnisherin this case, Experian and XXXX XXXX required to block the fraudulent information within four business days. That statutory deadline has already passed, yet this XXXX XXXX account ending in XXXX continues to report on my Experian file, damaging my credit profile and subjecting me to ongoing harm. It is clear from the documentation already provided that this account is fraudulent, has been properly disputed, and is not appearing on my other credit reports. XXXX XXXX and Experians continued refusal to remove the account or comply with their obligations under the FCRA constitutes a willful failure to act in accordance with federal law. I am requesting immediate and permanent deletion of the XXXX  XXXX account ending in XXXX from my Experian credit file, written confirmation of that deletion, and supervisory review of this matter by the CFPB due to the noncompliance and delay. I am also requesting monetary compensation for the significant damage to my credit standing, emotional distress, and financial opportunities lost as a direct result of their failure to act. This issue has now gone beyond a routine dispute and represents clear noncompliance with the FCRA, and I urge the CFPB to take appropriate enforcement measures.

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 2025-11-28 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:
Despite consistently meeting all payment deadlines, this issue has caused undue XXXX  and XXXX  disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the XXXX  caused.

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 2025-11-28 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: NC

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-28 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: TN

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 2025-11-28 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: TN

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 2025-11-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello. American Express has charged me multiple {$29.00} 3 times Returned Payment Fees that I believe were applied incorrectly. I contacted customer service several times to dispute these fees, but I have not received any resolution. I was told a supervisor/leader would assist me, but I have been kept on hold for long periods without help. 

During my latest attempt, the estimated wait time started at 18 minutes, then increased to 36 minutes, and never went below 36 minutes. The representative told me they were transferring me to a leader, but no one ever came on the line, and the time continued to reset. And the time turns 43 minutes. Since they do not help me, why I have to pay XXXX $ 3 times for nothing? 

I can not get clear information or assistance regarding these fees, and I have not received any explanation for why the payments were marked as returned. I am requesting a full review and a reversal of all {$29.00} ( this payment happened 3 times in my amex card ) returned payment fees that were charged to my account, as well as an explanation of why the payments were rejected. 

I attempted to resolve this directly with American Express, but their customer service and supervisor support have not provided any help. Also they are trying to close the chat bot because I am inactive but I am still waiting and nobody helps me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: PA

Complaint narrative:
I, XXXX XXXX, am filing a complaint regarding ongoing harassment, repeated illegal third-party communication, and continued debt collection activity by Jefferson Capital Systems and XXXX XXXX, despite multiple written disputes. 

I have received repeated phone calls, letters, emails, and even calls to family members at all hours of the day and night. I disputed the alleged debts multiple times, yet both companies continued collection activity without providing adequate validation, in violation of the FDCPA ( 15 U.S.C. 1692c, 1692d, 1692g ) and the Pennsylvania FCEUA. 

I request that the CFPB investigate both companies for : Harassment Improper third-party contacts Collection activity after disputes Failure to validate debts Communication at inconvenient times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
These accounts are not valid in relation to me ; take them off within 15 days pursuant to USC 1681g.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Fresh Holdings Inc
State: UT

Complaint narrative:
Currently, XXXX XXXX XXXX XXXX ( XXXX ) is withdrawing funds from a checking account that does not belong to me in connection with a purported debt owed to a company called XXXX XXXX. Notably, XXXX has never initiated contact with me to attempt to collect on this debt from XXXX XXXX. Similarly, XXXX XXXX has never contacted me regarding the debt, and I have not received any court documentation substantiating the existence of this debt. Furthermore, no court documentation has been sent to me indicating that a ruling has been submitted to withdraw funds from a bank account, let alone a bank account that does not bear my name and does not belong to me. 
It is imperative to emphasize that XXXX and XXXX XXXX have not followed the appropriate legal channels regarding this debt. Since when has a third-party debt collection agency have the authority to commence withdrawals from random bank accounts that do not even contain the name of the purported debt owner?.

Company response to consumer: Closed with explanation