vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I PULLED MY XXXX  CREDIT REPORT AND THERE WAS A SYNBC/ ROOMS TO GO FRAUDULENT ACCOUNT REPORT TO THE COLLECTIONS. I CALLED THE PHONE NUMBER LISTED ON THE COMPANY AND THE PURSUANT TO CONSUMER LAW I AM A VICTIM ON IDENTITY FRAUD AND CERTAIN ACCOUNTS/INFORMATION ON MY CREDIT FILES ARE FRAUDULENT. UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681C-2, I REQUEST THAT THE FOLLOWING INFORMATION BE BLOCKED AND REMOVED.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing several charge-off accounts and multiple inquiries that are inaccurately appearing on my credit report.Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts reflect balances that are inconsistent with my records. Some balances appear inflated or duplicated across multiple XXXX  XXXX XXXX entries. These charge-offs are being reported without proper verification, and in some cases, they continue to appear even after resolution efforts. Such reporting is misleading and unfairly damages my credit profile. 
Inquiries Numerous hard inquiries are showing on my report from lenders and retailers, including auto finance companies and retail creditors. I did not authorize many of these inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries lack a permissible purpose under the law, and their presence harms my credit score and access to fair credit.Federal consumer protection laws require that all reported information be accurate, verifiable, and based on consumer consent. The current reporting practices by these furnishers and creditors are not compliant with those obligations.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against UPSTART NETWORK INC. a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

UPSTART NETWORK INC. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
I enrolled in a debt settlement program with Beyond Finance on XX/XX/XXXX, and have paid approximately {$2300.00} through biweekly payments of {$91.00}. My expectation was that the program would help resolve my debts while protecting me from legal risk.

However, I discovered that two XXXX XXXX accounts, both opened in XX/XX/XXXX, were paid {$160.00} each through multiple installments, including payments made on XX/XX/XXXX. These debts were over XXXX years old at the time of payment. XXXX statute of limitations for debt collection is 5 years, meaning these debts were likely time-barred when I enrolled. 

Beyond Finance did not disclose that making payments on time-barred debts could restart the statute of limitations, potentially exposing me to renewed legal liability. Their Enrollment Agreement does not warn consumers about this risk. 

I requested : Written confirmation of my cancellation A full refund of the ~ {$2300.00} paid A copy of my Enrollment Agreement Documentation of last payment or acknowledgment dates A Consolidated Statement showing all payments made The company acknowledged my cancellation request and confirmed that payments were made on the time-barred debts, but they have not provided written confirmation, documentation, or a refund decision. They continue to defer resolution to a phone call with a manager, despite my repeated requests to keep communication in writing. 
I believe I was misled by missing disclosures and paid for services that may have reactivated unenforceable debts, putting me at legal risk without proper warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
am filing this complaint due to repeated security failures and inaccurate credit reporting by Citibank. 
1. Fraudulent Address Reporting : In XX/XX/XXXX, Citibank updated my account with a fraudulent mailing address and reported it to XXXX. This was unauthorized and required me to dispute with Citi and the credit bureaus to have it corrected. 
2. Fraudulent Email & Unauthorized Charges : In XX/XX/XXXX, Citibank allowed a fraudulent email address ( XXXX ) to be added to my account profile. After this change, four unauthorized charges were posted to my card. I received a Citi fraud alert letter dated XX/XX/XXXX ( Ref # XXXX ). 
When I called Citi, the first representative refused to confirm the fraudulent email. A supervisor later disclosed it. 
Citi is currently investigating the charges, but this is the second major security breakdown in a matter of months. 
3. Credit Reporting Harm : Despite these incidents, Citi continues to report a late payment from XX/XX/XXXX that I have disputed. Given the combination of fraudulent activity, mail issues, and Citis own mishandling of my profile, I have requested a goodwill removal of this mark. To date, Citi has not corrected it. 



Resolution Sought I respectfully request that the CFPB require Citibank to : Provide written confirmation of fraudulent charges removed with {$0.00} liability. 
Permanently remove all fraudulent profile information ( address/email ) from my account and bureau submissions. 
Implement proper security blocks on my profile to prevent further unauthorized changes. 
Remove the XX/XX/XXXX late payment from all credit bureau reporting as a goodwill adjustment, in light of Citis repeated failures and my XXXX year history as a customer.

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 monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: MI

Complaint narrative:
I am filing this complaint regarding my mortgage account due to errors that occurred during the transfer of my loan servicing. The handling of this transfer has caused my account to be reported as delinquent, even though I was current on payments prior to the transfer. 

Timeline of Events : On XX/XX/year>, I submitted a payment of {$3700.00} to my previous servicer, XXXX. 
My loan was transferred from XXXX ] to Village Capital effective XX/XX/year>. 
Upon transfer, the new servicer failed to properly apply or recognize my prior payment ( XXXX ). As a result, my account was reported as delinquent beginning XX/XX/year>. 
I contacted Village Capital on XX/XX/year> to dispute this issue, but the account remains inaccurately reported as past due. 

The law states that we a 60 day grace period during which late fees are prohibited and payments can not be reported late to credit bureaus. 

Impact : My payment history, which was current, is now being inaccurately reflected. 
This error has caused negative reporting on my credit file and undue stress. 
I have documentation, including proof of payment from XXXX, which confirms that my account should not have been reported delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts listed on my credit report. These accounts are not mine, were not authorized by me, and their inclusion represents false and harmful reporting. The presence of these entries misrepresents my financial history and violates my right to accurate reporting.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continued non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a dispute requesting reinvestigation and removal of multiple inaccurate and unverifiable items from my credit file. I also sent previous disputes as far back as XX/XX/year>. Despite multiple notices, the credit bureaus have failed to conduct a reasonable reinvestigation, provide the method of verification, or ensure maximum possible accuracy as required under 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 7 ), and 1681e ( b ).

The following items remain disputed and unresolveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bureaus have failed to : Provide the procedures and documentation relied upon in verification ; Supply the contact information of the furnishers ; Correct or remove these unverifiable accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX made 2  online deposits of 2 checks given to me from a 3rd party.  I was advised by Chase bank the funds will not be available immediately as they needed to verify the funds from the bank the checks were written on.  The next day I received a message from Chase bank that the funds were now available and accessible to me and  the funds were now showing in my account so I used those funds.  A couple days later Chase then took the funds from my account a second time with no explanation why.  I called Chase customer service aXXXX XXXX XXXX XXXX XXXXd was told I was wrong that the XXXX XXXX XXXX withdraws made by Chase were not in fact deducted from my account twice. Then after I had to explain over and over to the customer service rep who XXXX XXXX XXXXXXXX  that they were in fact deducted twice the reason I was provided why the money was deducted twice was due to the fact Chase no longer accpets personal checks and that I should have known this and I need to find better friends who will write me valid checks. After this call I made an appointment to speak with a bank rep at Chase Bank directly, but he too was reluctant to offer me any valid explanation why Chase made these funds available to me but then took my money from my account TWICE after I ALREADY USED THOSE FUNDS.  I believe I am owed XXXX XXXXus any overdraft fees for bringing my account into the negative as Chase has not even tried to apologize no r have they even made any effort to contact me to remedy this situation.'

Company response to consumer: Closed with 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 — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that fails to meet required standards of accuracy and is causing me serious financial and emotional harm. These errors must be corrected immediately.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint Summary : I am disputing an alleged XXXX XXXX XXXX  account that has been passed through multiple affiliated companies ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and others within the XXXX XXXX ). XXXX XXXX charged off the account in XX/XX/year>. Since then, XXXX and their affiliates have sent contradictory and unverifiable communications. 

XXXX XXXX confirmed twice in writing ( XXXX XXXX and XXXX XXXX, XXXX  ) that the account is closed. Yet XXXX continues to assert that the account is collectible, sending fabricated statements showing {$47.00} in charges while demanding {$330.00}. No 1099-C, chain of title, or proof of insurance/settlement has ever been provided despite my repeated requests. 

This shell game between affiliates results in inaccurate, incomplete, and misleading reporting to the credit bureaus. I have disputed this with Experian, Equifax, and TransUnion. However, I have not received any official bureau confirmation of permanent deletion, and the account remains a live harm to my credit file. 

Requested Resolution : Order Experian, Equifax, and TransUnion to delete all XXXX XXXX tradelines permanently. 

XXXX XXXX XXXX to cease transfer or resale of the account within the XXXX XXXX 

Require production of any 1099-C, insurance claim, or securitization evidence if they continue to assert a balance. 

Attachments included with this complaint demonstrate XXXX  written closed admissions, XXXX contradictory claims, and my prior disputes.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America denied my dispute of a {$2500.00} XXXX XXXX XXXX charged me despite my timely cancellation and proof of deceptive contract terms.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a checking account with Huntington online and they approved and opened the account providing me with account number and routing number. I switched my direct deposit to Huntington and also sent a XXXX payment to my account upon trying to access my money, they told me the account was hard closed without an explanation. They advised me to come the next day to withdrawal my cash. When I did so the next day they denied me my cash, told me it would be sent back to where it came from. They also advised me that the account was closed due to fact when I had an old account there was a chance someone used my phone number and could potentially have been frued not on my part in anyway. 2 weeks later my money was not sent back to employer or to XXXX and when i called Huntington the phone portal said my money was still in the checking account. Upon going to Huntington Bank to withdraw again 2 weeks later the teller denied me saying it is in there but I can not get a hold of the holds department to release your money to you.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} Unauthorized Inquiries to Be Deleted : 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Company Name : XXXX XXXX XXXX : Rental housing debt collection Complaint Narrative : I am disputing debt collection activity by my former landlord, XXXX XXXX, relating to an eviction in Arizona. 

On XX/XX/year>, I was evicted from my apartment at Sanctuary on XXXX XXXX in XXXX, AZ. The court entered a judgment against me in the amount of {$5300.00} ( XXXX XXXX ). 

After the judgment, XXXX Residential had a 3rd Party billing collection company email me stating I owe a balance totaling {$14000.00} nearly triple the amount of the court judgment. This email included : * Duplicate charges for rent, legal fees, and concession charges that were included in the judgment.

* A Charge-Concession fee of {$4300.00} and a separate Buyout Fee of {$4300.00}, which appear to be duplicate and additional charges after the judgment amount was already awarded. I believe this is an unfair collection practice because : 1. The court already ruled the judgment amount, and they are trying to collect more without returning to court.

2. They are inflating the debt with duplicate charges that were already awarded in the original judgment.

3. They may attempt to send this inflated amount to collections, which could damage my credit.

I have documentation to support my complaint attached below.

Company response to consumer: Closed with non-monetary relief