vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My PayPal Credit account ( issued by Synchrony Bank ) was closed without explanation, and I was completely locked out of my PayPal account. After this happened, I was unable to view my account, make payments, or access my main dashboard.

I contacted PayPal and Synchrony Bank by phone and email multiple times to understand what happened and to resolve the issue. I specifically asked why my account was closed, why my attempted payments were failing, how I could regain access to my account, and whether certain fees and interest charges could be removed since I was not given a way to pay. To the best of my knowledge, I never received clear answers. 

The only response I received was a mailing address where I could send a payment. Since my account is paperless and I have no access to statements, balances, or account numbers, this is not a reasonable or secure way to manage the account. I was not given the ability to verify my balance, understand the fees being charged, or make payments electronically as I had always done before. 

As a result, late fees and interest continued to be added to my account as well as failed payments, which was increasing my balance despite the fact that I had already paid almost {$1000.00} toward it ( Original amount was {$1400.00}, on XX/XX/year> ). My inability to access the account and make payments has now led to negative credit reporting, which caused my credit score to drop by more than XXXX points ( from XXXX to XXXX ). I have every email showing that I paid the balance and then I have every email saying that the payment was invalid which led to a {$40.00} error fee each time I tried which was 8 times that the payment failed.

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 2025-08-18 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: OR

Complaint narrative:
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 Subject : Notice of Dispute Regarding Violation of My Rights Dear Transunion Consumer Assistance, I am writing to formally dispute the manner in which my recent dispute was handled by Experian. I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper investigation into the disputed information on my credit report. 
On XX/XX/XXXX, I submitted a dispute regarding the removal of inaccurate reporting on my credit report. The specific item ( XXXX ) was paid, please see the proof attached and remove the negative item that appeared on my credit report. However, I am deeply disappointed with the response I received from Transunion, which did not adequately address the concerns I raised. It is evident that a thorough investigation was not conducted, as the disputed information remains on my credit report without any reasonable explanation or resolution. 
I would like to bring to your attention that under the FCRA, it is your responsibility as a consumer reporting agency to investigate disputed information and ensure its accuracy. Failing to do so not only infringes upon my rights but also undermines the integrity of the credit reporting system. 
I kindly request that you reevaluate my dispute promptly and conduct a comprehensive investigation in compliance with the FCRA. I expect a fair and diligent examination of the disputed information and a prompt resolution that reflects its accuracy. 
Please be advised that, if necessary, I am prepared to take further action to protect my rights and seek appropriate remedies. This may include filing a complaint with the Consumer Financial Protection Bureau and pursuing legal recourse.

I expect a written response within 30 days from the date of this notice. Please provide me with a detailed explanation of the steps taken to investigate my dispute and the results of your findings. Additionally, please ensure that any inaccurate or unverifiable information is promptly removed from my credit report.

Thank you for your attention to this matter. I trust that Transunion will rectify this situation promptly and restore the accuracy of my credit report. I look forward to receiving your timely response. 
Sincerely, 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 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand reversal of a {$4700.00} debit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
This withdrawal was executed pursuant to case number XXXX in XXXX XXXX XXXX Texas XXXX allegedly obtained by Midland Funding LLC through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I had no prior knowledge of this lawsuit, was never served with notice, and was homeless during the period in which the alleged court action took place. 
I have no record or recollection of owing any debt to Midland Funding LLC or its affiliates, and I have reason to believe I am the victim of identity theft. 

XXXX XXXX XXXXXXXX debited my account without providing me with a copy of the legal documents that allegedly authorized this XXXX, depriving me of the opportunity to contest the action prior to funds being removed. 

This XXXX has left me with XXXX available funds, creating an immediate and severe financial hardship. 


I request your immediate intervention to : 1. Initiate an emergency reversal of the {$4700.00} debit from my account.

2. Direct your Legal Orders Department to provide full documentation of the order they acted upon.

3. Place a hold on any further withdrawals related to this matter pending resolution.

This matter involves potential identity theft, lack of due process, and severe financial hardship. 
I am prepared to provide all supporting documents, including my court filings, bank statement, and ID theft affidavit.

Given the urgency of this matter, I request a direct phone call within 48 hours to confirm next steps.

Enclosures : Bank statement showing debit, copy of court packet, ID theft affidavit ( if available ). 

Respectfully, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account is : XXXX XXXXXXXX XXXX  XXXX with lates reported as XXXX  days late in XXXX XXXX XXXX  days late in XX/XX/XXXX and XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracy with Transunion under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
I am writing to formally state that my personal information has been used without my knowledge or consent to open and/or access credit accounts. I did not authorize these actions, and I am not responsible for the charges or activity associated with these fraudulent accounts.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Without proper authorization Bank allowed a fraudster to make himself as a joint account holder and after he made my account a joint account, TD bank did not notify me of this change/update via any form of communication ( i.e Email, mail, secure message etc ). They later suspected fraud activity and closed relationship with me, however after I notified them of this fraudster, they withheld my bank balance amount and is not releasing my money to me despite back and forth with the company. This has been going on for more than 6 weeks and I am unable to pay my rent, credit balance etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: NV

Complaint narrative:
The company repossessed and sold the XXXX XXXX auction in XXXX of XXXX. However, they never sent me a letter of what was owed after the car was sold at the auction. Instead, they are reporting, and still attempting to collect on the full balance owed as if the vehicle was not sold at auction. The company keeps updating the information as correct. I would like this account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I am requesting that these items be immediately re-investigated. These inaccuracies are highly injurious to my credit rating and constitute a violation of my federally protected rights. 

The following inquiries were not authorized and should not be reporting on my credit file : Equifax ( Total : XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) These inquiries have violated my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681, Section 602 ( a ) : Affirms my right to privacy and confidentiality in credit reporting.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : States that no consumer reporting agency may furnish a report without my written instructions. I never provided written authorization for these inquiries.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits consumer reporting agencies from including adverse information older than seven years. Any adverse item reported beyond this period is unlawful.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate. These inquiries are inaccurate and lack a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
My personal information maintained by Experian has potentially been compromised in a data breach. This has raised the risk of identity theft and unauthorized use of my credit file. 

I request that the CFPB ensure the CRA investigates fully, removes any fraudulent or unverifiable entries, secures my data, and confirms these actions in writing.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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

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 2025-08-18 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: PA

Complaint narrative:
b'Please block and remove fraudulent accounts and inquiries from my report. 1XXXX 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

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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following XXXX ( XXXX ) fraudulent XXXX XXXX accounts are being reported under my Equifax credit file without my knowledge, authorization, or consent. I have never applied for, opened, or used these accounts. They were fraudulently created using my personal information and are the direct result of identity theft. 



Fraudulent Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX Reference/Account : XXXX {$520.00} Creditor : XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Account XXXX XXXX {$440.00} XXXX. XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX Washington, PA XXXX Reference/Account : XXXX {$1100.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Reference/Account XXXX XXXX {$1800.00} Creditor : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$4800.00} Applicable Statutes and Protections Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
XXXX : Right to block fraudulent identity theft accounts. 
XXXX : Prohibits furnishers from reporting information known or reasonably should be known as inaccurate. 
XXXX : Willful violations entitle victims to statutory damages of up to {$1000.00} per violation. 
Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 
XXXX ( b ) : Debt XXXX must cease collection until proper validation is mailed. 
XXXX ( a ) ( XXXX ) ( A ) : Statutory damages of up to {$1000.00} per collector, per action. 
XXXX, XXXX. XXXX XXXX : Grants rights to fraud alerts and freezes, requires creditors and CRAs to provide documentation. 
Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX : Criminalizes identity theft. 



Notice of Intent to XXXX If the above demands including removal, validation records, and statutory damages payment are not satisfied within fifteen ( XXXX ) days of receipt of this notice, I will initiate a civil lawsuit against Equifax. 

For clarity, removal of these fraudulent accounts from my credit report alone will not eliminate liability. If the statutory damages totaling {$4000.00} are not paid in full, I will still pursue civil litigation for statutory damages, actual damages, punitive damages, and attorneys fees as authorized under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: MO

Complaint narrative:
Our bank account was hacked and our house payment didnt go through. Contacted the company and was advised to send payments XXXX XXXX until banking issues resolved. I did this for 8 months and thought everything was fixed. Found out they accepted 3 of those payments and returned 5 back to XXXX XXXX. They have never been able to tell me why they did this, no explanation at all. They had me go to where I sent the XXXX XXXX payments and retrieve the money. I then sent it to the mortgage company. Next thing I know they are putting us on the XXXX program. Then the government stopped that program so was told we would be doing a loan modification. The first payment would be XX/XX/XXXX with a new monthly amount. They were to send us paperwork via XXXX  XXXX which we never received. Next they told me they would resend the paperwork and it would be a new monthly amount and the payment would be XX/XX/XXXX. I asked for the paperwork 4 times and to this date still have never received anything. Then I got notification that said to make a payment- told me what to pay- and it was to be paid for XXXX. I paid this as soon as I got that. Then I was ready to pay the XXXX payment - online as I did the XXXX payment - and it wouldnt go through, called the mortgage company and was advised I never returned the paperwork that was sent by XXXX  XXXX which I never received even though I requested it 4 times. I am at a total loss as to what to do and where to go next. I was advised by the XXXX XXXX to contact your company which is what I am doing now. Please advise.

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 2025-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-18 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: TX

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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