vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My father passed away in XXXX. I closed his Amazon/Synchrony account and paid all balances.

I keep getting new charges on this account, even though the account is closed. 

One charge is for " payment security '' and it is for XXXX cents. How this still being charged against an account that is closed? 

Then, they add ad {$1.00} charge for " minimum interest charge '' on top of it. Then they charge a late fee. 

I have called them multiple times. It take a while to get to a person. Once I finally get to a person to get them to reverse these ridiculous charges, I am told " our systems are experiencing technical difficulties. Call back in XXXX or XXXX hours ''. Then they hang up. 

This is absolutely predatory. Those responsible for this should be held accountable.

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 2025-09-16 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: TX

Complaint narrative:
I hereby challenge the legitimacy of items tied to unapproved accounts on my report. Please investigate thoroughly and remove them. Supporting documents are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Lexington Law promised to remove negative inquiries and charge offs. I was charged excessive fees with no services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I contacted merchant on return and reported to my bank provided bank tracking number. merchant verified months ago it was returned. Chime bank 3 months later has not refunded me my XXXX charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the late payment status being reported on my credit file. This reporting is inaccurate, misleading, and unverifiable. I have either made payments on time or have not received legally sufficient documentation to support the claim of late payments. The continued reporting of this status is causing unjustified harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: TX

Complaint narrative:
A unsecured loan was taken out back in 2022 with mariner finance for {$2600.00}. Upon that time prior to sending the funds all docs were signed confirming i wanted the loan. However, upon them sending the loan via XXXX it failed as the account they were sending to was frozen by my bank due to fraudulent activity. I am was sent to me confirming this failure from them. Considering this was not received because i signed for it i was deemed liable and they have placed it in collection for the amount and i have been disputing this since 2022 stating that its not a debt that i owe as funds were never transmitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I pulled a copy of my consumer report and notified these agencies on XX/XX/year> about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to these agencies which included a Federal Trade Commission ( FTC ) Identity Theft Report, Better Business Bureau ( BBB ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agencies that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CO

Complaint narrative:
The entry in question is not reflective of my payment practices and appears mistaken. Please review and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial
State: OR

Complaint narrative:
I am a victim of identity theft and demand immediate and decisive action regarding a fraudulent XXXX account wrongfully sent to XXXX XXXX. 

XXXX falsely claims that on XX/XX/year> I entered into a {$300.00} loan agreement and made partial payments before default. This is an absolute fabrication. I never applied for or received any loan from XXXX or from XXXX, nor did I authorize anyone to act on my behalf. 

I have already provided irrefutable proof of fraud : Police Report ( certified copy ) FTC Identity Theft Report U.S. Department of Justice complaint Consumer Financial Protection Bureau ( CFPB ) complaint Despite these legally sufficient documents, Spotloan continues to demand a notarized fraud affidavitan action not required under federal law : FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] requires only a written dispute to trigger the debt-validation process and does not mandate a notarized affidavit.

FCRA 605B [ 15 U.S.C. 1681c-2 ] allows a consumer to block fraudulent information from credit reports with an identity-theft report such as the police and FTC reports I have already supplied. 

XXXX and XXXX have ignored these protections and continue to treat this debt as valid, violating federal law. 

My Certified Letter and Demands I sent a certified-mail letter with return receipt to both Spotloan and XXXX, which they have received. In that letter, I demanded : Full written validation of the debt, including the original signed contract, complete payment history, and documentation of all assignments or transfers. 

Immediate cessation of all collection activity until validation is provided. 

Removal of any and all reporting of this fraudulent account from all credit reporting agencies, including non-traditional agencies such as XXXX and XXXX 

Written confirmation that the debt is permanently deleted and will never be sold, reassigned, or collected again. 

Communication only by XXXX XXXX phone calls, emails, or other electronic contact. 

To date, they have failed to provide the required documentation or comply with these lawful demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DigniFi
State: OH

Complaint narrative:
Company : DigniFi Product : Auto Loan / Vehicle Financing Issue : Incorrect information on credit report / failure to address extenuating circumstances Complaint Narrative : I am filing this complaint because DigniFi has reported late payments on my account ( # XXXX ) for XXXX and XXXX - possibly XX/XX/XXXX. I am not disputing the accuracy of their records but requesting a goodwill adjustment due to extenuating circumstances. 

Until XX/XX/XXXX, I consistently received monthly text and email payment reminders from DigniFi. After that date, those notifications stopped. Around the same time, I received a fraudulent call impersonating DigniFi, during which I believed I had arranged assistance for my account. I later discovered this was a scam. 

Once I realized what had happened, I took immediate steps to bring my account current. Despite explaining these circumstances to DigniFi, their response did not address the issues raised ( the stopped notifications and the fraudulent call ). Instead, they cited account history from XXXX, which is irrelevant to the XXXX late payment reporting. 

The negative reporting has severely impacted my credit score. I am requesting that the CFPB assist in reviewing DigniFis handling of my goodwill request and whether their communication practices contributed to the reporting issue. 

Desired Resolution : I am respectfully requesting a goodwill adjustment by DigniFi to remove the late payment marks reported in XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, 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 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} 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, 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 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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am writing to formally dispute the Midland Credit Management collection account appearing on my credit report under account number XXXX. 

Midland has failed to provide proof of ownership of this alleged debt or any original creditor documentation. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ), which requires accurate reporting.

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any account that can not be verified must be deleted from my credit file. Since Midland has not produced verifiable documentation, I request that this account be removed immediately from my XXXX XXXX XXXX XXXX  reports. 

Please conduct the required reinvestigation within 30 days and provide written confirmation of the results. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} 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, 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 explanation
Consumer complaint received 2025-09-16 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:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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