vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
Studentaid.gov is supposed to automatical receives notice of payments from my student loaner servicer, XXXX. I am on autopay and have not missed a payment ever. Yet Studentaid.gov 's payment tracker, which tracks eligible and qualifying payments that count toward the qualifying XXXX payments that grants a borrow forgiveness through the Public Service Loan Forgiveness program. But the tracker has not updated to include several payments I made within the last year. I contacted my student loan servicer, XXXX, and Studentaid.gov, and neither have made any moves to rectify the situation. My payments that are not showing up on Studentaid.gov 's PSLF payment track were from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has also now placed my account in deferment without my consent, so I have no scheduled autopayments toward my loan until XX/XX/XXXX, meaning I have an additional month to wait to try and make up for the missing loan payments on my PSLF payment tracker. If I try to make a payment now in XXXX, it is considered 'overpayment ' and won't count toward PSLF . I am stuck at XXXX payments because of Studentaid.gov 's ineptitude, even though I have made XXXX payments ( would've been XXXX now in XX/XX/XXXX if XXXX hadn't placed my account in deferment without my consent ).

Company response to consumer: Untimely response
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Never received debt owed, it just showed on my XXXX bureau credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was just discharged from bankruptcy and the company now claims I am 6 months in arrears. They want to foreclose but I am not behind at all The only payment not made is for XX/XX/year> which they have twice rejected. I have proof of all payment and misapplication of funds during bankruptcy. I have copies f my correspondence, their statements which contradict what they are now claiming and my bank statements to confirm. I received a statement for XXXX where they are listing payments missing since XXXX of this year. All these payments have been deducted from and cleared my account with the exception of XXXX which they rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CT

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX 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 XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANNER CORPORATION
State: CA

Complaint narrative:
This was on XXXX. 
I went in the bank with my daughter and asked them for a new bank card, and they refused to give me one. I asked why and they said because you always get fraud on your card. I told them that is not my fault, I could see if I was giving my card to someone but I told them I have the card in my possession all the time. They said I was costing them money because of all the fraud. Thats ridiculous! XXXX XXXX XXXX XXXX and I have trouble walking. My daughter has to take me everywhere and help me. so at this point I told them that this was going to make it difficult for me to pay bills grocery shop online and other things. Im hoping that you can resolve this problem for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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.

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX Va XXXX XX/XX/year> Subject : Dispute of Inaccurate Credit Information Dear [ CFPB ], I am writing to dispute inaccurate information appearing on my credit report. I recently obtained a copy of my credit file from your bureau and found the following account showing XXXX late Creditor/Collection XXXX XXXX : XXXX Im current

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Well there are other names on my account that I was never aware of, and addresses I was never associated with ever/XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID XXXX XXXX, board, also I never used names of XXXX XXXX, or XXXX XXXX, my name has always been same as on birth certificate 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 2025-09-29 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: AMERICAN EXPRESS COMPANY
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 AMERICAN EXPRESS a AMERICAN EXPRESS 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. AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, 2025, I received an email regarding an approved credit card from Synchrony Bank - XXXX XXXX which I was not sure of applying before. 
After 4 days, on XXXX XXXX, 2025 another email was received stating the credit card was on the way and expected delivery was XXXX XXXX to XXXX, 2025. 
The third email was received on XXXX XXXX, 2025 indicating a charged of {$44000.00} on the credit card with a payment amount and due payment date. 
The credit card arrived by mail on XXXX XXXX, 2025 and was activated. This time upon card activation, the bank prompt confirmed the amount of {$4400.00} was charged and an amount of {$550.00} available of the total credit limit of {$5000.00}. 
Synchrony Bank - XXXX XXXX was called and was informed about 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XX/XX/year>, an authorization hold of {$59.00} was placed on my Ally Bank checking account using my debit card ending in XXXX for a transaction with XXXX XXXX XXXX XXXX This authorization hold was never processed as a completed transaction and was never released back to my available balance, effectively removing {$59.00} from my account without authorization. 
On XX/XX/year>, I filed a formal Regulation XXXX electronic fund transfer error claim with Ally Bank through their secure messaging system. Under federal law ( XX/XX/XXXXXXXX ), banks must either : XXXX. Complete investigation and resolve within XXXX business days, OR XXXX. Provide provisional credit within XXXX business days while completing investigation within XXXX calendar days What did the company do wrong? 
REGULATORY VIOLATIONS : XXXX. MISCLASSIFICATION OF CLAIM : Ally Bank incorrectly classified my Regulation XXXX electronic fund transfer error as a " CFPB complaint, '' applying a XXXX-day timeline instead of the required XX/XX/XXXX-business-day Regulation XXXX timeline. 
XXXX. FAILURE TO INVESTIGATE : Failed to initiate proper Regulation XXXX investigation as required by XXXX XXXX XXXX ( c ) ( XXXX ). Instead, they assigned it to general " XXXX Customer Relations '' rather than a Regulation XXXX compliance officer. 
XXXX. FAILURE TO PROVIDE PROVISIONAL CREDIT : Failed to provide mandatory provisional credit of {$59.00} as required by XXXX XXXX XXXX ( c ) ( XXXX ) when they could not complete investigation within XXXX business days. 
XXXX. IMPROPER PROCEDURES : Demonstrated fundamental misunderstanding of federal banking regulations by their customer service staff, indicating systemic compliance failures. 
TIMELINE OF VIOLATIONS : XX/XX/year> : Unauthorized hold placed and never resolved XX/XX/year> : Formal Regulation XXXX claim filed ( XXXX deadline ) XX/XX/year> : Categorized my request as a Transaction Dispute In error and willful neglect XX/XX/year> : Bank responded with incorrect regulatory framework as a CFPB complaint in error and willful neglect of all facts. 
XX/XX/year> : I sent corrective notice explaining proper Regulation XXXX requirements XX/XX/year> : Bank responded with incorrect regulatory framework as a CFPB complaint again, ignoring critical facts and details of my notices, XX/XX/year> : Regulatory deadline pending - Bank remains in violation [ Current Date ] : No provisional credit provided, no proper investigation completed

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This complaint is against Synchrony bank directly to non responsive consumer complaints through this agency, CFPB going back to early XX/XX/XXXX. Synchrony bank seems to be deliberately ignoring answering the CFPB complaints against them, only to continue their illegal activity of attempting to collect on an alleged debt not owed. This same ongoing repetition of complaints are each separate incidents of violations on my consumer protection rights that are left unanswered through the CFPB. Multiple complaints to the CFPB are still without response to date. This company has also been directly notified of representative of council by me by my attorney in both direct fax letters of cease and desist along with notification of violation of a court order of the automatic stay is being violated. A second second notice was sent by direct email to corporate Synchrony bank representatives by my attorney and his office on XX/XX/XXXX and XX/XX/XXXX These incidents of both sending me collection letters and running soft pulls of my credit report AFTER being notified of XXXX  XXXX filing, on XX/XX/XXXX by direct fax and receiving receipt confirmation. Then being notified by the court clerk as well in both electronic form and us mail, Synchrony bank has continued to violate my consumer protection rights and the courts order, and has even pulled a soft injury of my credit report, which AGAIN is illegal and has now been in violation of the automatic stay but should be held in contempt of court proceedings as so stated by law. The CFPB has or is position of MULTIPLE complaints Ive filed against Synchrony bank going back to early XX/XX/XXXX with no response from Synchrony bank. 

Im filing this final complaint now against Synchrony bank for failure to respond but to notify the CFPB I will be asking the government oversight appropriate department to look info how these complaints against a company of an alleged debt and notified the CFPB of multiple complaints, court orders, attorney notification and communication with Synchrony bank are just left unanswered or ignored. Why is the CFPB not taking some kind of action on behalf of consumers who use this government tax payer funded department for if nothing is being investigated or action is taken. I will forward this complaint as the other to the NJ State Attorney Generals office as additional documentation of multiple attempts to seek a response or a resolution using the CFPB but all efforts have been unsuccessful. Im also forwarding all discovery, documents and list of complaints to the CFPB which shows dates and time of all complaints to my local congressmans office that has opened up an investigation on my behalf.

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 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe: Cease and Desist  FDCPA Rights\nDear Qualia Collection Serv,\n\nI am writing in regard to the account referenced under your collection efforts: \nAccount. XXXX\nDate Report: XXXXThis letter is a formal notice that, under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692c(c), you must immediately cease all communication with me regarding this alleged debt, except as permitted by law (such as to notify me of specific legal actions you intend to take).\n\nI demand that you:\n1. Cease all telephone calls, written correspondence, or any other forms of communication to me, my family, my employer, or any third party.\n2. Refrain from reporting or further updating negative information about this alleged debt to any credit reporting agency while its validity remains disputed.\n3. Provide written confirmation that you have received and acknowledged this cease and desist request.\n\nBe advised that continued contact after receipt of this letter will constitute a violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau (CFPB), my state Attorney General, and any other appropriate authority.\n\nThis letter does not acknowledge the validity of the alleged debt, nor does it waive any of my rights under state or federal law. All rights are reserved.\n\nSincerely,\nAshley L. Jackson'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XX/XX/2024 {$1200.00} tried talking to company and credit agent and not responding. 
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XX/XX/XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with non-monetary relief