vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
MY ACCOUNT AS BEEN PAID FOR LOAN FORGIVENESS IT KEEPS REPORTING OLD INFORMATION THE ACCOUNT WAS ONLY XXXX  YEARS THE INFORMATION REPORTED REPEATEDLY IS THE SAME BALANCE OVER AND OVER AGAIN THEY ONLY CHANGE THE REPORTED DATE WHEN I DISPUTE FROM THE DAY THE ACCOUNT WAS OPENED IT SHOWS PAID OFF THE AGENCY TELLS ME IM WRONG IN ACCURATE DATES NOTHING MATCHES AT ALL ON ALL XXXX  CREDIT BUREAUS NO UPDATED PERSONAL INFORMATION EVERYTHING IS OLD AND PAID OFF MY DOCUMENTS WILL SHOW DIFFERENT PERCENTAGE DIFFERENT DATES BETWEEN ALL XXXX  BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY ACCOUNT AS BEEN PAID FOR LOAN FORGIVENESS IT KEEPS REPORTING OLD INFORMATION THE ACCOUNT WAS ONLY 7 YEARS THE INFORMATION REPORTED REPEATEDLY IS THE SAME BALANCE OVER AND OVER AGAIN THEY ONLY CHANGE THE REPORTED DATE WHEN I DISPUTE FROM THE DAY THE ACCOUNT WAS OPENED IT SHOWS PAID OFF THE AGENCY TELLS ME IM WRONG IN ACCURATE DATES NOTHING MATCHES AT ALL ON ALL THREE CREDIT BUREAUS NO UPDATED PERSONAL INFORMATION EVERYTHING IS OLD AND PAID OFF MY DOCUMENTS WILL SHOW DIFFERENT PERCENTAGE DIFFERENT DATES BETWEEN ALL THREE BUREAUS

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: CA

Complaint narrative:
MY ACCOUNT AS BEEN PAID FOR LOAN FORGIVENESS IT KEEPS REPORTING OLD INFORMATION THE ACCOUNT WAS ONLY 7 YEARS THE INFORMATION REPORTED REPEATEDLY IS THE SAME BALANCE OVER AND OVER AGAIN THEY ONLY CHANGE THE REPORTED DATE WHEN I DISPUTE FROM THE DAY THE ACCOUNT WAS OPENED IT SHOWS PAID OFF THE AGENCY TELLS ME IM WRONG IN ACCURATE DATES NOTHING MATCHES AT ALL ON ALL THREE CREDIT BUREAUS NO UPDATED PERSONAL INFORMATION EVERYTHING IS OLD AND PAID OFF MY DOCUMENTS WILL SHOW DIFFERENT PERCENTAGE DIFFERENT DATES BETWEEN ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
I disputed an account with TransUnion ( XXXX Dispute # XXXX ) on XX/XX/year>. The account was verified and my dispute was denied by XX/XX/year> only 4 days later. This is unacceptable and violates the Fair Credit Reporting Act. 

I provided written proof directly from XXXX ( XXXX ), the alleged furnisher of the account, stating they are not furnishing or collecting on this debt. The letter from XXXX makes it absolutely clear that they have no involvement with this account and that it should not be reporting under their name. 

Despite this, TransUnion denied my dispute without ever providing me with any verification no contract, no billing history, no signed documents, and nothing in writing to show the account belongs to me. They also never mailed me any documentation, as required. 

Im demanding : 1. Immediate deletion of the XXXX account from my TransUnion report. 
XXXX. A full investigation into how this dispute was verified. 
XXXX. Enforcement of my rights under 15 U.S. Code 1681i if the account can not be verified, it must be deleted. 

This is causing serious damage to my credit profile and financial well-being, and I want this addressed immediately.

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a charged-off account on my credit report while simultaneously attempting to collect on the same debt. This practice is misleading and may be unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the information reflected on my credit report, the account in question has been charged off. However, I have not received any documentation from XXXX XXXX XXXX verifying that they legally own the debt, that the original creditor officially charged it off, or that it was reported to the IRS as a loss. If the debt has truly been charged off and reported as such for tax purposes, then continued collection attempts raise significant legal concerns. Furthermore, XXXX XXXX XXXX continues to update the account status and balance on my credit file, which could constitute inaccurate or misleading reporting under the FCRA. 

Under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information ( like XXXX XXXX Services ) are required to ensure that the data they report is accurate, complete, and not misleading. Reporting an account as charged off while continuing to pursue collection without furnishing adequate documentation contradicts these legal obligations. 

I have previously requested validation of the debt and supporting documentation regarding the charge-off, including any IRS reporting forms ( such as a 1099-C, if applicable ), but XXXX XXXX XXXX has failed to respond. As such, I am requesting the Consumer Financial Protection Bureau to investigate this matter and determine whether XXXX XXXX XXXX is in violation of the FCRA or FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to formally dispute a charge of {$4200.00} sent to me from XXXX XXXX. This is related to a PayPal Mastercard account. The charge is inaccurate and does not reflect the terms of a debt settlement agreement I honored directly with XXXX synchrony bank. 

On XX/XX/year>2024, I entered into a settlement agreement for a previously charged-off balance of {$8700.00} on my PayPal Mastercard . The total settlement amount agreed upon was {$4500.00}, to be paid in the following installments : {$1500.00} paid on XX/XX/scrub>, 2024 {$1000.00} paid on XX/XX/year>2024 {$1000.00} paid on XX/XX/year>2024 {$1000.00} paid on XX/XX/scrub> 2024 All payments have been made according to this schedule. The confirmation numbers for each payment are as follows : XX/XX/year>2024 : XXXX XX/XX/year>2024 : XXXX XX/XX/year>2024 : XXXX XX/XX/year>2024 : XXXX Given that I have fulfilled the agreed-upon terms and paid the total settlement amount of {$4500.00}, this additional charge of {$4200.00} is both inaccurate and unjustified. 

I respectfully request that you investigate and remove the disputed amount from my account. I have retained all relevant payment confirmations and would be happy to provide additional documentation if needed. 

Thank you for your prompt 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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: CO

Complaint narrative:
I am a retired XXXX veteran who receives there monthly check deposited into Netspend. For the past 3 days I have not had access to my account and have found out that they are having a system wide outage for many people. The are not giving any resolution or answers. I have now been incurring late fees and returned ACH withdraws for non payment for my car. My credit is taking hits by the hour and this is not right. We as customers who have money with them deserve to have this fixed or provided with some kind of way to access our funds I'm hungry and have a wife and cat that are hungry also. I can put gas in my car or pay for anything. I'm looking at losing my apartment and facing homelessness. Not all of us are traditional renters. I love in a XXXX and my rent was due on the XXXX. Now I'm having pack and move to make room for someone who can pay. I want access of my money. I earned it by shedding blood and tears in war for this country. Please help me. When I try to log in to my account it just shoots me back to the account log in screen or says it does not I recognize me. And I'm not alone. This is site wide for anyone that is trying to log in to their account. I don't have access to any account I lnformstion. I can't look up my account numbers or routing number or anything. Please help me. Me and my wife don't want to live in our car with our cat and are going hungry.

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: KY

Complaint narrative:
Originally, after my second XXXX. I notified XXXX via certified letter on two occasions, requesting to discharge my debt for a car loan I have with XXXX. My letters were ignored, with no response of denial or acceptance, dated XX/XX/XXXX. 

I have since received a letter from a collection agency totalling {$25000.00} requesting the balance be paid, which was not from a XXXX XXXX Company representative. I received the collection letter approximately around XX/XX/XXXX. 

Which leads me to believe the debt has been charged off per my credit report and I would be expecting correspondence from XXXX with my next steps to follow or discuss. As of XX/XX/XXXX, I was served with a summons for possession of the vehicle. 

My concerns are that XXXX has not responded to me, except through threatening phone calls, and now legal action. XXXX representatives have not given me the respect to respond to my letters and acknowledge what I requested and then went for my credit report to list the vehicle as charged off, without sending me the proper documentation from XXXX nor the hired attorney when I requested all the question to be answered via the list on the " Affidavit of Truth. '' Finally, I believe I have not been treated fairly, and my letters requesting a response were ignored. Which makes me question is XXXX is attempting to double recover after they have charged off the debt. Per all three of my credit reports, it reads that the debt has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) for {$420.00}, XXXX XXXX Department of education loans in XX/XX/XXXX under the account numbers ( XXXX ) for {$3900.00} and {$4800.00}, and a Sezzle account in XX/XX/XXXX ( XXXX ) for {$870.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I disputed all said items

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 2025-08-03 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for reporting an outdated and unverifiable " charge-off '' account from XXXX ( Account # : XXXX ). 

This account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. TransUnion is still reporting this account as charged off with a balance of {$100.00}, and last updated it on XX/XX/XXXX. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1681c ( a ) ( 4 ) Negative accounts must be removed 7 years after the date of first delinquency.

1681e ( b ) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to investigate and verify information after my dispute.

1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or outdated data.

Additionally, this account is not reported by XXXX  or XXXX, further raising questions about its accuracy and relevance. The small balance ( {$100.00} ) has not been verified and is well beyond the reporting window. 

I previously disputed this entry with TransUnion more than 30 days ago and did not receive proper documentation. I request its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports. 
Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation : Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I called chime then they sent me to another line where I was trying to figure out why they are closing my account the lady put me on hold and then told me that she cant provide me with the information on why they are closing my account I dont use my account for fraud or anything good transaction history but out of nowhere they are closing my account that Ive had since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
I am filing a formal complaint against Synergetic Communications for reporting a collection account on my Experian credit report that I have no knowledge of. 

Details : Collection Agency : Synergetic Communications Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( partial ) Balance : {$740.00} Date Opened : XX/XX/year> Status Updated : XX/XX/year> I have never received services from XXXX XXXX XXXX XXXX and have no knowledge of this debt. I was never notified about this account, and Synergetic Communications has failed to provide any documentation or proper debt validation, which is required under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g.

This account is being reported monthly on my Experian credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2 ( b ), as it is unverified and inaccurate.

Requested Resolution : Immediately remove this account from all credit bureaus ( XXXX XXXX XXXX  ) Provide complete validation, including original contract and itemized charges Cease any further collection activity or credit reporting unless legally verified Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing a formal complaint against Goldman Sachs Bank USA regarding the Apple Card account ending in XXXX. The company has reported late payments on my credit reports, which I believe to be inaccurate and a violation of federal consumer protection laws. 
I have sent multiple dispute letters requesting documentation to justify the late payment reporting. While they have provided some billing statements, they have not provided proof that those statements were delivered at least 21 days before the due date, as required by the Truth in Lending Act ( TILA, 15 U.S.C. 1637 ( b ), 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ). 
Additionally, they never notified me that they would be reporting negative information to the credit bureaus, as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 7 ) ). I formally requested such proof, and they failed to produce it. 
I am requesting the CFPB to investigate this matter and instruct Goldman Sachs Bank to remove the late payments from my credit reports due to lack of compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file, in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). A collection account in the amount of {$2200.00} related to a credit card account is being reported, and I do not believe this account is being reported accurately. 

Please investigate the validity of this account, including a full verification from the original creditor. If the furnisher can not provide verifiable evidencesuch as a signed contract or clear billing statements linking me to this debtI request the account be promptly removed from my credit report, as required under the FCRA. 

Attached are copies of my identification and any relevant documents I have regarding this matter. I respectfully request a full investigation and written results of your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I did not open this account. This is identity. Debt documents are included. Remove immediately.

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 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We enrolled our daughter with XXXX on statement it appears as XXXX Infinities for online math classes on XX/XX/year> after a demo class got charged {$1500.00}. The instructor from the company told us that classes will begin on XX/XX/year> my daughter was waiting for the class but no tutor showed up we called customer service and they told us there are no classes today. The next class was scheduled on XX/XX/year> no tutor showed up on that class either. We called customer service they told us that they do not have any tutors available for our daughter. We called XXXX XXXX Exploring Infinities representative on XX/XX/XXXX who we had signed up with to cancel our enrollment as they failed to deliver promised services. They said they can not provide refund so we called Capital One and filed dispute of {$1500.00}. Capital one was provided information about why we dispute the charges. The company explained their policy to Capitalone that the student enrolled has to take XXXX class and do homeworkto get refund which has not explained to the parents. We told Capital one that we can pay for XXXX classes and resolve this issue. We have paid for all the services we have got. We do not want to pay the company who is scamming consumers in the name of education. Capital one says that we have to pay this company but we dont want to as we did not get any services from them. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation