vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have my card security on XXXX credit card accounts. I filed a claim for benefit on XX/XX/2025. Upon filing a benefit I noticed on a previous claim they paid it was never closed on acct # XXXX that they had already paid in XXXX of XXXX. Th XXXX another from XXXX XXXX that I filed a benefit on for debt cancellation because I met the terms and conditions that they refused to pay on. They were sent the information that they asked from my doctor from XXXX XXXX. Later I received a phone from XXXX health telling that My card security is sending information the second time for them fill out after it was done the second time. Per XXXX XXXX policies they can not fill out the same paperwork XXXX twice because they have to stick to the rules due to XXXX law. My card security never paid the account off and they have the paperwork. So XXXX the XXXX I filed a claim for XXXX I had XXXX on my left foot and ankle and will be out XXXX work for XXXX months. Per customer service told me to fax or mail them the XXXX paperwork from my job showing the start date of my XXXX and it was sent just like was asked. XXXX the XXXX I received an email from my card security stating that my paperwork I sent in incomplete. So when I called I was transferred to XXXX different people wish made me highly upset. They dont want to answer any questions because they are adamant about there SCRIPT THEY HAVE TO Read off TO CUSTOMERS. POOR POOR POOR CUSTOMER SERVICE. NO ONE TRIED TO LISTEN NOT EVEN XXXX TIME ABOUT THE LETTER THEY EMAILED TO ME. SO I WAS TOLD THAT THE BENEFIT ANALYST THAT SENT THE LETTER DIDNT SEE THE DATE ON THE PAPERWORK I SENT AND DENIED MY PAPERWORK. PER THE TERMS AND CONDITIONS WHEN YOU FILE A CLAIM THEY SUSPEND THE PAYMENTS UP TO 90 DAYS AFTER THE XXXX DATES YOU SEND IN THE SIGNED BENEFIT FORM STATING HOW MUCH TIME YOU ARE OUTBOF WORK AND THE WILL PAY XXXX OUT YOUR BALANCE. THEY DOESNT WANT TO HONOR THE TERMS AND CONDITIONS PER CUSTOMER SERVICE REP I SPOKE TO SHE TOLD ME THE BENEFIT FORM WAS AUTO GENERATED BY ITSELF AND THERES NOTHING THEY CAN DO. I PAY ALOT OF MONEY EACH MONTH TO HAVE THIS SERVICES ON MY ACCOUNT AND THIS IS THE SECOND TIME They have GIVEN INCORRECT INFORMATION AND DOESN'T WANT TO STAND MY THERE TERMS AND CONDITIONS. NOW THEY WANT ME TO FILL OUT THE PAPERWORK FIRST BEFORE THEY PAY MY ACCOUNT AND THIS WAS NEVER DONE BEFORE. THEY DONT WANT TO STAND BY THERE TERMS AND CONDITIONS THEY ARE DISHONEST AND STEALING MONEY FROM CUSTOMERS

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 2025-12-19 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: CA

Complaint narrative:
In XX/XX/year>, I applied for an auto refinance through AUTOPAY ( The XXXX XXXX ). Before submitting the application, I was informed that my credit would only be evaluated using a * soft inquiry *. At no point was I clearly told that multiple lenders would perform * hard credit inquiries * on my reports. 

Despite this, on XX/XX/year>, several hard inquiries appeared on my credit reports from lenders I did not authorize individually, including XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. These inquiries negatively impact my credit. 

I contacted the company and requested documentation showing that I explicitly agreed to these hard credit pulls, including copies of the disclosure language, proof of my consent, and a list of all lenders that accessed my report. The company did not provide this information. Instead, they only referred me to their Privacy Policy, which does not explicitly state that submitting an application authorizes multiple third-party lenders to perform hard inquiries. 

Since I did not knowingly authorize these hard pulls, I believe my credit report was accessed and used improperly. I am requesting your help to have these unauthorized inquiries removed and to address the companys lack of transparency in obtaining consumer consent.

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 2025-12-19 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 submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies ( Experian & TransUnion ) regarding inaccurate, misleading, and internally inconsistent reporting on my consumer credit file. Despite my right to a complete and accurate credit report, the bureaus continue to publish information that is contradictory, unverifiable, and harmful to my credit profile. 

Specifically, my credit report reflects inconsistent reporting for a XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX ). This account is reported as closed and paid as agreed, yet simultaneously displays late payment history, consumer dispute remarks, and conflicting payment percentages and months reviewed across different sections of the same report. An account can not logically be reported as closed in good standing while also reflecting unresolved derogatory payment information. This type of contradictory reporting demonstrates a failure to maintain reasonable procedures to assure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Additionally, my credit report reflects inaccurate reporting for a XXXX XXXX  auto loan ( Account No. XXXX ). Although the account is closed with a XXXX balance, the credit bureaus continue to report a XXXX late payment while also showing the account as as agreed. This conflicting status is misleading and has a negative impact on my creditworthiness. If the alleged late payment can not be fully verified with proper documentation, its continued reporting is unlawful under the FCRA. 

I have made good-faith efforts to dispute these inaccuracies directly with the credit bureaus. However, the inaccurate information remains, indicating that the bureaus either failed to conduct a reasonable reinvestigation or continued to rely on unverifiable data furnished by creditors. This ongoing failure violates 15 U.S.C. 1681i and has caused measurable financial and reputational harm.

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am formally disputing the Credit Collection Services account currently appearing on my credit report. 

I did not open this account, I did not sign any documents, and I did not authorize the use of my personal information. This account is the result of unauthorized use and constitutes identity theft. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you provide verified proof of liability, including a signed contract or application bearing my signature. 

If you are unable to provide such documentation, I demand that this account be immediately removed from my credit file and that all reporting cease. 

Continued reporting of inaccurate information after notice is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CO

Complaint narrative:
I have reached to the credit bureaus through multiple certified letters, with no response and zero actions taken, I also have tried calling with no luck after waiting long hours on hold. regarding account XXXX XXXX on Transunion and Experian with totaling different information on both.

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 2025-12-19 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: PA

Complaint narrative:
Issue Type : Credit Reporting / Student Loans Companies Involved : TransUnion, XXXX XXXX U.S. Department of Education, XXXX What happened? ( Main Complaint ) I am filing this complaint due to systemic and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ) involving the inaccurate reporting of my federal student loans. 
All three nationwide consumer reporting agencies are reporting duplicate and fragmented tradelines for the same underlying Department of Education loans. These tradelines appear under different creditor names, with inconsistent balances, opening dates, and delinquency histories. This practice materially misrepresents the true status of my obligations and artificially inflates delinquency severity. 
Why is this inaccurate or unfair? 
Duplicate Tradelines : The same federal student loans are reported multiple times instead of as a single consolidated obligation. This creates a false appearance of multiple delinquent accounts and violates the requirement that credit reports be accurate and not misleading. 
Illegal Re-Aging of Delinquencies : My reports reflect ongoing XXXX  day late payment statuses despite no documented repayment re-entry since approximately XXXX. No billing statements, repayment notices, or servicing transition documentation has been produced to justify continued delinquency escalation. This constitutes illegal re-aging. 
Failure to Conduct Reasonable Reinvestigation : I previously disputed these inaccuracies directly with the consumer reporting agencies. The disputed information was verified without correction, indicating reliance on automated furnisher responses rather than a reasonable reinvestigation as required by law. 
Failure to Account for Documented Hardship : The reporting does not reflect documented hardship circumstances, including incarceration and employment disruption, which directly affected repayment ability. These factors were disclosed yet ignored during reinvestigation. 
Harm I Have Suffered As a direct result of this inaccurate reporting : My credit scores are severely suppressed My ability to obtain housing has been materially harmed I face higher costs and denial risk for financial services My financial reputation has been unjustly damaged This harm is ongoing and compounded each month the inaccuracies remain. 
]

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 2025-12-19 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: PA

Complaint narrative:
Issue Type : Credit Reporting / Student Loans Companies Involved : XXXX, XXXX, Equifax, U.S. Department of Education, XXXX  What happened? ( Main Complaint ) I am filing this complaint due to systemic and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ) involving the inaccurate reporting of my federal student loans. 
All three nationwide consumer reporting agencies are reporting duplicate and fragmented tradelines for the same underlying Department of Education loans. These tradelines appear under different creditor names, with inconsistent balances, opening dates, and delinquency histories. This practice materially misrepresents the true status of my obligations and artificially inflates delinquency severity. 
Why is this inaccurate or unfair?

Duplicate Tradelines : The same federal student loans are reported multiple times instead of as a single consolidated obligation. This creates a false appearance of multiple delinquent accounts and violates the requirement that credit reports be accurate and not misleading. 
Illegal Re-Aging of Delinquencies : My reports reflect ongoing XXXX  day late payment statuses despite no documented repayment re-entry since approximately XXXX. No billing statements, repayment notices, or servicing transition documentation has been produced to justify continued delinquency escalation. This constitutes illegal re-aging. 
Failure to Conduct Reasonable Reinvestigation : I previously disputed these inaccuracies directly with the consumer reporting agencies. The disputed information was verified without correction, indicating reliance on automated furnisher responses rather than a reasonable reinvestigation as required by law. 
Failure to Account for Documented Hardship : The reporting does not reflect documented hardship circumstances, including incarceration and employment disruption, which directly affected repayment ability. These factors were disclosed yet ignored during reinvestigation. 
Harm I Have Suffered As a direct result of this inaccurate reporting : My credit scores are severely suppressed My ability to obtain housing has been materially harmed I face higher costs and denial risk for financial services My financial reputation has been unjustly damaged This harm is ongoing and compounded each month the inaccuracies remain. 
]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I contacted Citi fraud prevention using the number on the back of my card regarding a fraud restriction. On an initial call placed at approximately XXXX XXXX Mountain Time, an agent asked me to provide the full credit card number of another bank as verification, which I refused. When I called back to report this and request escalation, the same request was made again, including after XXXX attempts. I refused each time. A supervisor stated calls could not be reviewed and only documented a complaint. This raised serious concerns about improper handling of sensitive financial information and fraud controls. I am requesting formal review, confirmation that requesting other-bank credit card information is not Citi policy XXXX and secure resolution. I have attached a redacted transcript documenting the repeated requests for full credit card information from another bank as verification, which I refused.

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 2025-12-19 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: AR

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
DEMAND FOR STATUTORY COMPENSATION MULTIPLE FCRA VIOLATIONS Equifax Consumer File : XXXX XXXX XXXX. 

This letter serves as formal notice that Equifax Information Services LLC has engaged in willful and negligent noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), resulting in ongoing harm to my credit profile, lending opportunities, and financial standing. 

Despite the availability of accurate information and prior disputes, Equifax continues to publish inaccurate, misleading, and legally defective data. 



DOCUMENTED FCRA VIOLATIONS ( EQUIFAX FILE ) 1. CONTINUED REPORTING OF DEROGATORY DATA AFTER ACCOUNT CLOSURE XXXX XXXX XXXX  ( Closed XX/XX/XXXX ) Account shows historical delinquencies ( 30/60 days late ) Balance is {$0.00}, account closed, yet derogatory markers remain No ongoing obligation exists, yet negative impact persists Violations : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681c ( a ) Obsolete or misleading adverse data 15 U.S.C. 1681a ( a ) ( 1 ) Inaccurate creditworthiness information 2. IMPROPER CHARGE-OFF CONTINUATION & MONTHLY DEROGATORY REPORTING XXXX  XXXX XXXX  Finance Charge-off reported repeatedly month-after-month Continuous CO reporting after the charge-off event This practice re-ages the account and exaggerates derogatory impact Violations : 15 U.S.C. 1681c ( a ) ( 4 ) Improper re-aging of adverse accounts 15 U.S.C. 1681e ( b ) Inaccurate and misleading reporting FTC Staff Commentary on Re-Aging 3. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION Equifax indicates dispute outcomes relying solely on furnisher verification despite : Contradictory timelines Inconsistent activity dates Invalid or missing historical data fields This constitutes automated verification, not a lawful reinvestigation. 

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) 4. REPORTING DATA WITHOUT CONTINUING PERMISSIBLE PURPOSE Once an account is closed, paid, or charged off, Equifax must ensure continued reporting serves a lawful and accurate purpose.

The continued publication of distorted data violates : 15 U.S.C. 1681b No permissible purpose 15 U.S.C. 1681e ( b ) Accuracy duty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY

Complaint narrative:
XX/XX/XXXX my XXXX XXXX  account which has XXXX XXXX  of XXXX  money which I transferred from USA from my checking accounts here are all being held by HSBC bank. 

They state the account got closed automatically. It's now XX/XX/XXXX and I am still not got my money not any communication from any official even after sending so many emails/calls and everything but ending up with no response back. 

Bank has done fraud by not sending my money back. I can provide the account closure email which holds my money and also my email communications to the bank official for which no response came back. 

I would want this team to raise serious actions against the bank to return back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
The incident occurred on XX/XX/year>, I was trying to used my credit card to rent a car. I accidentally entered the wrong account number, so I attempted to enter the correct account. I received a message from the credit card company. Is this a fraud yes or no, so I replied no. And the response was thank you so I assume that I can still use my card. When I got to the rental car store to purchase the rental. I discovered that the credit card company had blocked the account. I immediately contacted the credit company and a representative told me that it was blocked and I would have to answer some security questions and they couldnt tell me which were incorrect or correct, but I failed the security questions. And the next step would be to take a photo of my ID driver license and a linked that they sent to me by mail. Someone could use that photo for identity theft purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I have no connection to the accounts in question and request their removal within 15 days as required by law.

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 2025-12-19 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: TX

Complaint narrative:
I am a victim of identity theft and submitted a request to Equifax for a fraud block pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. 

The account listed below was opened and/or used fraudulently without my knowledge, authorization, or consent and does not belong to me : Creditor : CXXXX XXXX XXXX XXXX Account Status : Charge-Off Past Due Amount : {$850.00} I provided Equifax with a completed FTC Identity Theft Report, a police report issued by the XXXX XXXX Police Department XXXX XXXX XXXX XXXX ) documenting identity theft under Texas Penal Code 32.51 , and proof of my identity and address. 

Despite receiving documentation that meets the statutory requirements of FCRA 605B, Equifax has failed to block this fraudulent account from my credit report.

Under FCRA 605B, Equifax is required to block the reporting of information that resulted from identity theft within four ( 4 ) business days of receipt and may not conduct a reinvestigation in lieu of blocking.

I am requesting that the CFPB require Equifax to immediately comply with FCRA 605B by blocking this fraudulent account and confirming the block in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I purchased a new XXXX  home in XX/XX/XXXX. The only billable amount in taxes were XXXX being that tax bills are paid in arrears and there was only land there the year prior, however I still paid XXXX in taxes monthly to my mortgage lender based on the expected assessed value of my home being that I receive tax credits as a XXXX  recipient. XXXX of XXXX I received notice that my taxes were appraised at over XXXX annually which is impossible for the assessed value of my home ( XXXX ) and they have yet to provide a reason of why this was inflated. I called my county ( XXXX ) and they confirmed I am capped at 1 % annually with the XXXX  exemption. This inflated appraisal has resulted in a significant increase of my mortgage in which I cant afford

Company response to consumer: Closed with non-monetary relief