vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-17 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: MD

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an XXXX XXXX XXXX XXXX through Synchrony Bank in XX/XX/year>. I experienced some issues with initial payments ( one from my bank and another from a savings account that my bank blocked ), but I contacted Synchrony both times via chat before the due date ( XX/XX/year> ) and was assured by two different agents that it would not be a problem. I made a successful payment from my checking account on XX/XX/XXXX, well before the due date, and my account was current and in good standing. 

Shortly after, I attempted a {$1500.00} purchase that was denied. I then discovered my account had been closed. Synchrony claimed it was due to the failed payment attempts, despite all payments being resolved in advance and their agents assuring me the account was fine. 

I had earned {$94.00} in cash back rewards at that point, and the {$1500.00} purchase would have earned another {$78.00}. I was told during my support chats that I would still receive all my earned rewards even if the purchase didnt go through but after the account was closed, all rewards were removed. Synchrony now refuses to issue the rewards, reopen the account, or provide a reasonable explanation beyond saying theres nothing that can be done. 

I believe this is an unfair and deceptive practice. I was misled by customer service representatives, relied on their assurances in good faith, and then punished by having my account closed and my rewards erased despite not missing any payment deadlines.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Upon reviewing my consumer report from ChexSystems, I discovered information that is inaccurate, misleading, and does not reflect my current financial behavior. Specifically : A closed account from XXXX XXXX XXXX XXXX XXXX XXXX is still being reported as open and overdrawn. 

In the past 30 days I have submitted XXXX disputes and yet they are not showing in the system and no action has been taken. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The actions by ChexSystems appear to be in violation of the following provisions of the FCRA : Section 607 ( b ) Accuracy of Information Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Section 611 Dispute Procedure Upon notice of a dispute by a consumer, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Section 605 ( a ) Obsolete Information Certain adverse information may not be reported after a period of XXXX XXXX. ChexSystems may be including outdated or obsolete data that exceeds this reporting limit. 
Harm Caused : As a result of ChexSystems ' inaccurate reporting, I have suffered the following : Denial of new bank accounts Harm to my reputation and financial credibility Emotional distress and frustration in trying to resolve this issue Relief Requested : I request the CFPB to investigate ChexSystems ' reporting practices in my case and ensure compliance with the FCRA. I also ask that : The inaccurate information be removed or corrected immediately. 
ChexSystems be required to provide documentation of its reinvestigation, including the name of the furnisher, method of verification, and evidence used to validate the disputed item. 
The CFPB take enforcement action, if warranted, to prevent ChexSystems from continuing these harmful and non-compliant practices. 
I have attempted to resolve this matter directly with ChexSystems but have not received a satisfactory response or timely correction. 

Thank you for your attention to this matter.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-17 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: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-17 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: AR

Complaint narrative:
I submitted a formal dispute to Experian regarding a tradeline reported by XXXX XXXX XXXX XXXX XXXX for {$14000.00}. I included documentation showing that the collector failed to validate the debt. They provided no accounting or ledgeronly a contract, my ID, and a statement showing a positive balance of {$5.00}, with no charges or debits to support the alleged amount. 

Despite this, Experian verified the debt as valid within four days. No meaningful reinvestigation was conducted. This appears to be a violation of FCRA 611, which requires a reasonable investigation of disputed information. 

This is not an isolated incident. On XXXX XXXX XXXX, the Consumer Financial Protection Bureau filed a federal lawsuit against Experian ( Case No. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) . The lawsuit alleges that Experian engages in sham investigations of consumer disputesroutinely ignoring documentation and blindly accepting data furnishers claims, even when obviously flawed. My case is a direct example of that pattern. 

The CFPBs complaint further accuses Experian of failing to use reasonable procedures, providing incorrect dispute results, and unlawfully allowing re-reporting of unverifiable tradelines. I am asking the CFPB to investigate Experians conduct in my case as part of its broader review of these systemic failures.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, PC
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Ragan & Ragan, PCs collection practices related to an alleged debt of {$18000.00}. I have repeatedly requested proper validation of this debt, but they have failed to provide the necessary documentation proving their right to collect or confirming that this debt is lawfully mine. Instead, they have continued to threaten me with legal action, including judgments and wage garnishment, without supplying adequate proof. Per the Fair Debt Collection Practices Act ( FDCPA ), I requested the following items, which have not been provided : Agreement with their client that grants them authority to collect on this alleged debt. Signed contract with my signature verifying my obligation to pay. Documentation of any insurance claims related to this account. Date of the original agreement and signed contract/application. Any judgments obtained by any creditor regarding this account. Name and address of the alleged creditor. Name on file of the alleged debtor. Amount of the alleged debt. Date this alleged debt became payable. Date of original first delinquency/charge-off. Complete record of payments made toward this alleged debt. Verification that this debt was assigned or sold to the collector. Full accounting of the alleged debt. Commission details for the debt collector if collection efforts are successful. Additionally, I have requested the name and address of the bonding agent for this collection agency in case legal action becomes necessary. Without the completion and submission of all requested documents, their claims against me can not and should not be considered legally valid. Their continued attempts to collect without proper verification constitute unlawful harassment and violate consumer protection laws. 

I request the CFPB to investigate this matter and enforce compliance with federal regulations. I would appreciate guidance on my legal options and next steps regarding this improper collection attempt. 

Please confirm receipt of this complaint and provide any further recommendations on how to proceed. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Yes, XXXX writing to complain about a situation thats not getting resolved between XXXX XXXX XXXX and XXXX. The fingers are being pointed back-and-forth and XXXX just the middleman now!!! On XXXX XXXX an online dispute was completed with XXXX  and Nationstar and myself on a three-way phone call. I did as instructed for the information to be updated correctly. It has not!!! The information should only be showing on the payment history XX/XX/XXXX in red not XXXX all that has transpired now is theyve moved the inaccuracy to XX/XX/XXXX in red, which is not only incorrect and lying, but not updated and no resolution l!! It clearly shows on the details page under that account that in THAT theres ( not more than XXXX late payments ) however, on the payment history page it says XX/XX/XXXX in XXXX, the inaccuracy and discrepancy is right there plain as day in between the XXXX pages. Ive begged and begged and begged for this to be corrected as it appears to me to be some type of computer glitch. Nothing has been resolved again its just going in circles with Mr. Cooper, pointing the fingers at XXXX  and XXXX  pointing the fingers at Mr. Cooper again no resolutio!!!!! XXXX in a very time sensitive situation now XXXX trying to get mortgage ready for my home. I have invested {$22000.00} in this home thats being built thats under construction not only am I going to lose my home I will not be able to retrieve the XXXX money back and lose {$22000.00} if this is not rectified immediately, XXXX scheduled to close in XXXX. XXXX out of time. I have exhausted every physical possible resource that I can do and still no resolution. XXXX writing you today to please please help me and get this matter resolved immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I closed my XXXX XXXX account, and they sent me a bank check. 

On Saturday, I went in person to deposit the bank check into my U.S. Bank account. They confirmed that everything was okay and that there would be no hold, so I requested a cash back. 
I set up the transfer and payment for four days later, only to find out that U.S. Bank placed a hold on the bank check without informing me, and the app provided no notification either.

After four days, I opened the app and discovered that I had been charged overdraft fees on the cash back and the transfers I set up. 
They have not resolved the issue, and I have been charged {$210.00} in overdraft fees, which is 10 % of the deposit. This is fraud I would like to file a complaint regarding my savings account. After having {$1000.00} in savings for three months, I only received {$0.00} in interest. Consequently, I withdrew my funds and left {$10000.00} in the account. After another three months, I received the same amount {$0.00} in interest. This feels fraudulent to me.

I also requested that the Privacy Act be enforced to prevent my information from being reported or shared with any of their affiliated companies, such as XXXX XXXX, which tracks every single transaction. This is illegal. I do not want my information shared outside the XXXX XXXX  including countries like XXXX and the XXXX. Please keep my information within the XXXX only!

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I recently reviewed my credit reports and was shocked to find multiple collection accounts from Rec mgmt Service for what is purported to be utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

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 2025-06-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid {$4200.00} for services then the company closed down and is being sued by hundreds of people for charging them and not providing services. Synchrony bank told me basically too bad and will not even credit me XXXX XXXX of the amount. I thought there were consumer protection laws for this reason. I supplied countless court documents showing the company closed down and they are being sued but they told me it doesnt prove I didnt get my services. The court documents literally show they are being sued for charging customers and not providing service.

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 2025-06-17 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: HI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b"Please send the attached letter I sent via fax to JP Morgan Chase Bank Card Services Dept XXXX XXXX XXXX again requesting copies of charges they alleged I owed in XXXX XXXX for an old XXXX  balance they say they never received a payment on. \n\nChase further alleges this old XXXX  account was sold to a company called XXXX  in XXXX, and Arrow can be reached at XXXX XXXX  ...  I tried to reach out to XXXX, but they are not open at XXXX XXXX XXXX so I will call them later.\n\nI am requesting a copy of the charges that Chase claimed I owed in XXXX  for that old XXXX  account that they forced me to pay by closing all of my current and active Chase credit card accounts until I paid them.  I paid them XXXX XXXXXXXX on XXXX XXXX XXXX  using funds in my Chase Personal AccXXXX XXXX\n\nI was told by Chase that once I paid these monies for this old Chase XXXX  balance that they show never got paid, that I would get a copy of the detailed charges from XXXX  within the next 30 days. That was in XXXX XXXX They also told me and my personal Chase Banker XXXX XXXX that they would reopen all of my recently closed credit card accounts, which they did.   \n\nI never received a copy of those charges, and I wrote a follow-up letter dated XXXX XXXX XXXX (See attached) requesting a copy of the charges they made me pay on XXXX XXXX XXXX but hadn't sent to me..\n\nI further requested that if Chase was not going to send me a detailed copy of the charges from XXXX, I wanted to receive a check in the amount of my XXXX XXXX XXXX  payment oXXXX XXXX and I gave them 30 days to do either.\n\nAs of today, when I spoke to the Internal Recovery Team at Chase Credit Card Services, they can not even pull up the old Chase XXXX  account, so they told they can not help me with my request to provide me with a copy of the XXXX  credit card charges or refund my payment if they could not send me a copy of my XXXX  charges.\n\nPlease help me resolve this matter with Chase Bank.  I have been a really good Chase customer for more than 15 years ( longer with this old XXXX XXXX  balance I am not aware of). \n\nI have multiple Chase Credit cards in good standing with Chase, and 1 personal and 2 business accounts with Chase as well.   I don't know how something like this could happen, but it did...  Please help me resolve it because Chase doesn't appear to have any interest in helping me at all at this point."

Company response to consumer: Closed with explanation