vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. I was directly impacted by the Equifax data breach, and I am concerned that the accounts listed below may have been compromised or reported in error as a result. 

Accounts Under Dispute : XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$2600.00} | Status : Closed XXXX Department Store Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$2700.00} | Status : Open XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$2100.00} | Status : Open XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$990.00} | Status : Open XXXX XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Closed XXXX  Card Date opened : XX/XX/XXXX | Balance : {$5800.00} | Status : Closed SYNCB/Care Credit DC Date opened : XX/XX/XXXX | Balance : {$18000.00} | Status : Account charged off. {$19000.00} written off. {$18000.00} past due as of XX/XX/XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Open XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Balance : {$5200.00} | Status : Closed XXXX Date opened : XX/XX/XXXX | Balance : {$2600.00} | Status : XXXX XXXX Bank Date opened : XX/XX/XXXX | XXXX XXXX {$7100.00} | Status : Open XXXX Date opened : XX/XX/XXXX | Balance : {$490000.00} | Status : Open Because of the XXXX  XXXX breach and the exposure of consumer information, I can not confirm the accuracy or validity of these accounts as reported. I am requesting that you provide full documentation and verification from the original creditors. If you can not verify the accuracy of these accounts, they must be removed from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct or delete any information that can not be verified within 30 days of receipt. 

Under the FDCPA, I have the right to request the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A detailed explanation or documentation showing that I am legally obligated to pay this debt ; XXXX. A copy of any judgment ( if applicable ) ; XXXX. Proof that your agency is licensed to collect debts in my state. 
Please treat this letter as a formal request to cease all collection activities until the requested validation. 
If you are unable to validate the debt, please notify all credit bureaus to which you may have reported it. 
This is not a refusal to pay, but a request for validation. 
Thank you for your cooperation.

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 2025-08-21 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: CA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I requested my credit card account closed via phone call. As quoted the balanced as of that day. I made the payment of the total quoted balanced. The account was noted as closed. At the next month I still got a due balance of {$17.00}. Which i was told is interest due which gets added at the end of the month cycle. I was under the impression that since i paid off everything gets closed. Did not get informed months after, but not for {$17.00} but added interest so the amount was larger. Not only that since as far as i was concern all was closed so did not even look at the account until i got a bad credit report for not payment, So my credit report was negatively affected. To this day they keep insisting i have to pay the balance they accumulated, I had paid the {$17.00} to cover what they insist on charging. I think i should not be charged any longer plus I think they are responsible on notifying to the credit departments the reason and get it corrected

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: AL

Complaint narrative:
Regional Finance has provided a response to my CFPB complaint ( dated XX/XX/XXXX ) indicating that : XXXX. The account ending in XXXX was charged-off and sold to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. Regional Finance no longer has ownership or collection rights regarding this account.Despite this, Regional Finance continues to report this account on my credit file, which is inaccurate and misleading. Once an account is sold, the original creditor no longer has any claim, and therefore can not continue reporting the debt as if it remains under their ownership. This creates duplicate derogatory reporting, which violates the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy of the information reported. I am requesting that this tradeline be deleted entirely from my credit file as it is not being reported accurately. Please conduct a reasonable investigation of this matter, verify the ownership of the debt, and remove the incorrect reporting from my credit report. Under the FCRA, you are required to complete your investigation within 30 days and provide me with written results of your findings. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My XXXX XXXX XXXX  credit card, issued by Synchrony Bank, was cancelled on XXXX XXXX without notice after I accidentally entered an incorrect routing number on a payment. Importantly : The payment was still made on time and in full. 
We were not delinquent and have maintained the account responsibly. 
At the time of cancellation, the account had approximately {$740.00} in earned rewards. 

Synchrony has refused to honor these rewards, even though they were legitimately accrued through purchases while the account was active. These points represent real monetary value, and denying access to them is unfair and unreasonable. 

We were never given a chance to correct the clerical error before the account was closed, nor were we provided proper notice that the account would be cancelled. Synchronys refusal to honor the {$740.00} in earned rewards amounts to a forfeiture of value that we rightfully earned.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I recently completed an assumption loan from my mother. The status of the loan was finalized on XX/XX/year>. XXXX days later, I received notification that my credit report has changed. Upon looking at my credit report, PHH listed that my account status was XXXX  days behind. It is also showing the account closed, when in fact it was just moved to my name. Both errors have caused a significant drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. One credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX  XXXX Balance : {$380.00}

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 


In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states i have the right to privacy Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of the items above. You are required to do what i am asking and block these transaction from being reported to my consumer report WITHIN XXXX  DAYS from the data of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 


In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states i have the right to privacy Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of the items above. You are required to do what i am asking and block these transaction from being reported to my consumer report WITHIN XXXX  DAYS from the data of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have received XXXX calls per day every week for a past due car payment. I am currently on XXXX for XXXX XXXX  issues and the stress imposed by the creditor has affected my mental health. The frequent calls and voicemails are harassing and damaging to my mental health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
As previously requested under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I exercised my right to dispute the alleged debt and requested a proper validation. However, your response failed to meet the requirements established under federal law. Merely stating the amount owed or identifying the creditor without furnishing documentation proving I am legally obligated to pay the alleged debt is not sufficient validation under the FDCPA.

To reiterate, I am formally disputing this debt again. Please understand that under 15 U.S.C. 1692g ( b ), your agency is required to cease all collection activities until you have provided sufficient evidence that this debt is valid. At a minimum, this validation should include : A detailed accounting of the amount claimed, including a breakdown of principal, interest, fees, and other charges ; The name and address of the original creditor ; Proof of your legal authority to collect on this debt, including documentation linking the debt to me ( e.g., original signed contract or account statements ) ; Documentation showing your right to collect in my state, if state licensing is required.

Your failure to properly validate the debt while continuing collection efforts, including reporting to credit bureaus or contacting me further, is a violation of federal law. If you continue to pursue this matter without proper validation, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to take private legal action under the FDCPA.

This letter serves as a formal Notice of Continuing Dispute and a Cease and Desist request for all collection activity until you provide the legally required information. Any further attempt to collect this debt without full validation will be documented as evidence of bad faith and non-compliance.

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 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
FORMAL REBUTTAL AND DISPUTE This letter serves as my formal rebuttal to your collection efforts and demand for immediate removal of this alleged debt from all credit reporting agencies. LACK OF VALID DOCUMENTATION After reviewing the materials you provided, I must categorically dispute this debt for the following reasons : No Valid Signature : While my name appears on documents, there is no signature present that can be authenticated as mine. Absence of Signed Contract : You have failed to provide any lease agreement or contract bearing my actual signature that would establish my legal obligation for this debt. Insufficient Proof of Account Ownership : The pictures and pricing information on the final account statement do not constitute proof that this account belongs to me or that I have any legal responsibility for these charges. DEMAND FOR VALIDATION Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), you are required to provide : Original signed lease agreement with my verifiable signature Chain of custody documentation showing how this debt was assigned to your agency Proof of my legal obligation to pay this specific debt Complete account history with authenticated records FRAUDULENT DEBT ASSERTION How can fraudulent charges against a victim be considered valid debt? Your continued collection efforts on an unsubstantiated debt constitute harassment and potential violation of federal consumer protection laws. I should not be held liable for charges that you can not prove are legitimately mine. IMMEDIATE DEMANDS I hereby demand that you : CEASE ALL COLLECTION ACTIVITIES immediately REMOVE THIS ITEM from all credit reports with Experian, Equifax, and TransUnion PROVIDE WRITTEN CONFIRMATION of debt removal within 30 days CLOSE THIS ACCOUNT permanently in your system LEGAL NOTICE If you can not provide the required validation with authenticated signatures and proof of my legal obligation, continuing collection efforts may constitute violations of : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) State consumer protection laws CONCLUSION This debt is disputed in its entirety. Without proper documentation showing my authenticated signature and legal obligation, I demand immediate removal from all credit reports and cessation of all collection activities. I expect compliance within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
As previously requested under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I exercised my right to dispute the alleged debt and requested a proper validation. However, your response failed to meet the requirements established under federal law. Merely stating the amount owed or identifying the creditor without furnishing documentation proving I am legally obligated to pay the alleged debt is not sufficient validation under the FDCPA.

To reiterate, I am formally disputing this debt again. Please understand that under 15 U.S.C. 1692g ( b ), your agency is required to cease all collection activities until you have provided sufficient evidence that this debt is valid. At a minimum, this validation should include : A detailed accounting of the amount claimed, including a breakdown of principal, interest, fees, and other charges ; The name and address of the original creditor ; Proof of your legal authority to collect on this debt, including documentation linking the debt to me ( e.g., original signed contract or account statements ) ; Documentation showing your right to collect in my state, if state licensing is required. 
Your failure to properly validate the debt while continuing collection efforts, including reporting to credit bureaus or contacting me further, is a violation of federal law. If you continue to pursue this matter without proper validation, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to take private legal action under the FDCPA. 
This letter serves as a formal Notice of Continuing Dispute and a Cease and Desist request for all collection activity until you provide the legally required information. Any further attempt to collect this debt without full validation will be documented as evidence of bad faith and non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation
State: CA

Complaint narrative:
On or near XXXX XXXX I was alerted to a collection on my credit report. I contacted tele recovery as to the nature of the account. I was informed it was an account from XXXX XXXX school from approximately XXXX. 
I informed the representative I never received a notification. It was illegal to report a debt before sending letter. She asked for my address and I provided it I then asked if they were licensed in California. The rep advised me they were not. I informed her it was illegal to continue to report the debt. She advised me she was waiting for the actual contract from the client

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