vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting to formally dispute multiple inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-06 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 submitting to formally dispute multiple inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Lendbuzz Inc.
State: FL

Complaint narrative:
I am submitting to formally dispute the reporting of my account with LENDBUZZ FUNDING LLC, account number XXXX, which currently shows a balance of {$8200.00} and is being reported as open with several recent late payments. This reporting is inaccurate and does not reflect the actual history of this account. The account was tied to a vehicle I financed through your institution. Due to financial hardship, I returned the vehicle to the bank. The bank repossessed the vehicle, and it was subsequently sold at auction. Despite this, a remaining balance of approximately {$8200.00} is still being reported as an open account with late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute multiple inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for the carecredit card due to XXXX XXXX XXXX XXXX The gentleman at the front desk said I prequalified for the carecredit card with 0 % interest for 18 months. I went forward on applying and got approved for XXXX. I continued to make my payments but I was under the impression that after the XXXX month promotion was done I was going to start accumulating interest like ANY other credit card company does but instead care credit penalize me with an extra XXXX that I had initially paid for already. CareCredit should take accountability because the company is false advertising information to 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
Consumer complaint received 2025-11-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
An account allegedly purchased by Portfolio Recovery Associates ( PRA ) from XXXX  XXXX is being reported to Experian with inaccurate and unverifiable information. XXXX XXXX confirmed through the CFPB on XX/XX/XXXX, that it no longer reports the account and sold it to XXXX in XX/XX/XXXX. Despite this, PRA continues to report the account as both past due and in collection, which conflicts with Metro 2 reporting standards and violates FCRA 623.

Multiple disputes have been filed with both PRA and Experian. PRA has not provided proper validation or documentation to verify the accuracy or ownership of the alleged debt, as required under FDCPA 809 ( b ). Reporting unverified and conflicting information after notice of dispute is misleading and damaging to the consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Ocwen Financial Corporation
State: AL

Complaint narrative:
I have been receiving telephone calls from foreign individuals that are calling from a foreign country in possession of my PHH mortgage information and personally identifiable information. 
These individuals claim they are representatives of PHH Mortgage however, they are using extremely broken, unrecognizable XXXX and possess a heavy middle eastern accent. I can not understand them. 
I have tried to call PHH mortgage back today more than XXXX different times in order to speak with a PHH Supervisor located in the XXXX on XXXX soil however, all XXXX times, I was unsuccessful. 
This is the absolute worst mortgage company that I have ever been affiliated with. PHH has horrible customer service, it is impossible to speak to an XXXX representative of the company and the gross incompetence reaches an all time high. 
On a recent occasion, this company has purchased insurance on my behalf when it was not needed and attempted to charge me fraudulently. I tried to send the proof of insurance to them however, you can never communicate with someone in the United States. 
In another occasion, this mortgage company failed to pay the property taxes that were setup and included in the mortgage loan and payments. 
On another occasion, this company has entered incorrect information into my account apparently confusing another persons account with my account. 
The worst part is that you can never, ever contact someone in the United States that speaks clear XXXX and has the authority to make decisions. 
I am requesting that a PHH Supervisor that is physically located in the United States, contact me during regular business hours in the XXXX not business hours in a foreign country. 
Please note that I do not give consent to any foreign individuals or foreign entity to possess or discuss or write or record anything with my personally identifiable information or my PHH account information. 
I request that a note be placed in my file by a PHH supervisor requiring a XXXX based PHH representative physically located in the United States that speaks clear and understandable XXXX be assigned to my account. 
Regards RH ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Our loan was approved and set up for closing. The morning of the closing tje lady from the bank called and said that it had been postponed due to my XXXX at work. She said they needed to escalate the loan because of the XXXX. I had already explained the purpose of the XXXX. XXXX also sent a letter from HR to explain the XXXX as XXXX requested. The loan was not approved due to my XXXX at work.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint because there are multiple unauthorized and inaccurate accounts listed on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602A, 609, 611 [ 15 U.S. Code 1681i ], and 1681c-2.

These accounts were either opened or reported without my direct consent, verifiable authorization, or original documentation, which I have already requested from the bureaus. The items remain unresolved despite my formal dispute and identity theft affidavit submission ( including FTC Identity Theft Affidavit and documentation ). 

The disputed accounts include : 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 {$8300.00} Under XXXX, I am requesting these accounts be blocked and removed permanently due to identity theft and a lack of permissible purpose or consent. I have provided all necessary documents, and I am requesting that the CFPB intervene to ensure the credit bureau fulfills its legal obligation to remove these accounts promptly and in full. 

This situation is severely impacting my ability to obtain housing and basic financial services. I respectfully request immediate escalation and deletion of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint because there are multiple unauthorized and inaccurate accounts listed on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602A, 609, 611 [ 15 U.S. Code 1681i ], and 1681c-2.

These accounts were either opened or reported without my direct consent, verifiable authorization, or original documentation, which I have already requested from the bureaus. The items remain unresolved despite my formal dispute and identity theft affidavit submission ( including FTC Identity Theft Affidavit and documentation ). 

The disputed accounts include : 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 XXXXXXXX XXXX {$8300.00} Under XXXX, I am requesting these accounts be blocked and removed permanently due to identity theft and a lack of permissible purpose or consent. I have provided all necessary documents, and I am requesting that the CFPB intervene to ensure the credit bureau fulfills its legal obligation to remove these accounts promptly and in full. 

This situation is severely impacting my ability to obtain housing and basic financial services. I respectfully request immediate escalation and deletion of these 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 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I can not access my account since XX/XX/XXXX. I do not know why. I am getting letters from Chase bank regarding some serious issues with a mistake they made. I can not access my account or the letters i need to read!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Summary : A collection agency is reporting a debt that is incorrect, unauthorized, and can not be validated. They are also reporting a different amount than what Equifax and TransUnion list. 

Details : The debt being reported is based on charges that were supposed to be debited from my bank account, NOT charged to any credit account or military retirement fund. I never authorized the use of my retirement account for billing, and I was unaware this was even an option. This makes the charges unauthorized, and therefore the resulting debt is invalid.

Additionally, the original agreement/contract is missing, so the collector can not legally validate the debt under FDCPA 809. They can not prove I opened the account, authorized charges, or agreed to any terms.

The amount being reported by the collection agency does NOT match what appears on Equifax or TransUnion, which violates FCRA 623 ( inconsistent and inaccurate reporting ). 

The collection also appears to be re-aged, with the activity happening in XXXX but the collection marked as XXXX, which is improper and illegal. 

I am requesting the CFPB require the collector and the credit bureaus to : Provide full documentation, including the original signed agreement Provide proof of authorized billing Correct or delete the account Cease all reporting if they can not validate Correct the inconsistent reporting between bureaus The collection agency is reporting a balance of {$1200.00}, while both TransUnion and Equifax are reporting {$990.00} for the same account. This is a clear and direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information across all consumer reporting agencies. 

This discrepancy alone requires reinvestigation and correction. A {$200.00} difference can not be explained without documentation showing itemized charges, fees, and the basis for the higher amount. To date, I have not received any valid itemization or the original agreement that would justify a {$1200.00} claim. 

Because : The original agreement is missing, The billing source was unauthorized, The dates appear re-aged, and The amounts reported are inconsistent, I am demanding full deletion of this account from all credit reporting agencies unless you can provide complete validation, including the original signed contract, billing authorizations, and legally consistent reporting data.

Failure to provide this documentation requires immediate removal per FCRA 611 and FDCPA 809.

A corrected or partially updated report is not acceptable when the underlying debt itself can not be validated or legally substantiated. 

I expect deletion or full documentation within the required timeframe.

Company response to consumer: Closed with non-monetary relief