vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, two identical charges in the amount of {$270.00} were posted to my Synchrony Pay Later account. One of these charges was clearly a duplicate, and I promptly disputed it.

Prior to submitting the dispute, I contacted Synchrony and was advised that I would need to wait 30 days to receive a refund check by mail. However, since filing the dispute, Synchrony has continued to make monthly adjustments to my account in an apparent attempt to recover the disputed amount.

When I contacted Synchrony to gain clarity regarding these adjustments, I was informed that my payments were being rejected by my bank. This information is inaccurate. My bank has confirmed that all payments were successfully processed and received by Synchrony without issue.

As a result of these adjustments, my minimum monthly payment increased in XXXX from {$270.00} to {$530.00}. * *. I have contacted Synchrony every month since XXXX in an effort to resolve this matter and have submitted bank statements as documentation supporting both the duplicate charge and my successful payments. I also would like to mention my account was sold to Synchrony Pay Later. 
Most recently, today, XX/XX/XXXX I contacted Synchrony again and spoke with a supervisor. She advised that she would place yet another dispute on my account and that it would take an additional XXXX to 60 days for any correction to be reflected on my billing cycle. This response is consistent with what I have been told repeatedly over the past several months. 
Each time I contact Synchrony, I receive assurances that notes, disputes, and managerial confirmations have been added to my account ; however, no meaningful corrective action has been taken. These repeated delays and false promises have resulted in continued confusion and financial strain. 
I did not want to take this route. I tried reaching out to the company and continued paying the minimum payment due which has increased dramatically. I am formally requesting that this issue be resolved, that my account balance and payment obligations be corrected accordingly, and that no additional negative impact result from this ongoing error.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
I submitted a credit dispute to this bureau and included my government-issued identification, Social Security number, and proof of address.

Despite having sufficient information to verify my identity and despite continuing to report credit information under my name and SSN the bureau refused to conduct a reinvestigation and claimed it could not verify my identity.

This constitutes an improper refusal to reinvestigate under 15 U.S.C. 1681i. I am requesting that the bureau either : conduct a lawful reinvestigation of the disputed accounts, or delete the information it can not verify.

I am also requesting documentation showing how my identity is allegedly insufficient for investigation while sufficient for reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: ME

Complaint narrative:
XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX XXXX  ' with a receipt displaying my signature. If not, please delete the account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I did not co-sign this loan in XX/XX/XXXX for {$10000.00}. While I was away my brother co-signed a loan for my son using my name as electronically generated co-signer. My brother told my son he would tell me but never did and he drowned. I found out 13 years later in XX/XX/XXXX while visiting with my son, that the loan was electronically generated and I never co-signed for {$10000.00} loan. I notified the student loan holder that I never co-signed. I sent the student loan company the FTC identity theft paper, a notarized paper from my son stating that I did not co-sign the loan so remove my name as co-signer, sent a notarized FTC sheet with my signature written three times, an avadavit of how the incident occurred. The loan company did av investigation without waiting for the actual FTC report, but did not release me as co-signer even though I am a victim of identity theft of my name. I did pay on this loan for six years to help my son out not realizing that I had not co-signed.The loan was sold to another loan company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MS

Complaint narrative:
I recently reviewed my consumer credit report and discovered several accounts, inquiries, and personal information being reported that I do not recognize, did not authorize, and did not knowingly agree to. 
At the time these accounts were allegedly opened or reported, I was an uninformed consumer and was not provided clear, conspicuous, or meaningful disclosure of the terms and conditions associated with these accounts. I was also not informed of my right to opt out of credit reporting, nor did I give written or verbal authorization for my nonpublic personal information to be shared or reported. 
As a result, my personal and financial information was used and reported without my knowledge or consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

I have reason to believe that inaccurate, unverifiable, or unauthorized information has been furnished to consumer reporting agencies without lawful purpose. These inaccuracies have caused harm to my credit profile, financial standing, and overall well-being. 
I am formally disputing all inaccurate, misleading, and unauthorized information associated with my credit file and requesting that each shown item be fully investigated, verified, or deleted in accordance with federal law. 
I am requesting full compliance with the Fair Credit Reporting Act, including but not limited to : Verification of accuracy and permissible purpose Immediate deletion of any unverifiable or unauthorized information Correction of all inaccurate personal data I am acting in good faith and expect this matter to be handled promptly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-27 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: TX

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies.

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WI

Complaint narrative:
My Cash App account was restricted/disabled, and I am unable to access or withdraw funds. Cash App support has stated that certain account features are XXXX but has refused to clearly confirm whether any of my funds are currently being held, reserved, frozen, or otherwise restricted. 

On multiple occasions, I requested written confirmation of : Whether any funds are currently held The exact dollar amount ( if any ) Which legal entity has custody of the funds ( Cash App, Square, or Block, XXXX ) The reason category for any hold ( risk, compliance, dispute, or account closure ) The date the hold began and the policy authority for the restriction Despite these requests, Cash App has not provided a clear yes/no answer, has not disclosed any amounts, and has not identified the entity holding custody of any funds. Responses from support have been vague and non-specific. 

I am not disputing a transaction. I am requesting a formal accounting and written status of my funds and whether and when any funds XXXX be released. I am filing this complaint because I have been unable to obtain clear, complete information directly from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX is taking a very long time to process applications. I have a pending discharge from XX/XX/year>. When I call Nelnet, I am told that their end looks good, another person told me that their was a glitch in their system... maybe the payments aren't showing because I pay somedays before the due day. XXXX. 
XXXX tells me to recertify, I have done so twice, XX/XX/year> and XX/XX/year>. My account is ready for discharge and its being held up by XXXX it seems. I called them on XX/XX/XXXX and the person was rude, telling me I have to wait while I have been working on this process since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-27 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: WA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This complaint concerns the same vehicle transaction and associated debt previously reported to the CFPB under Complaint IDs ( XXXX & XXXX ), and includes newly discovered material facts demonstrating ongoing and unresolved consumer harm. 

The core issue remains the validity and enforcement of a retail installment sales contract relied upon to fund, administer, and enforce this debt. 

While the lender and dealership have previously asserted that multiple versions of the contract appear identical in financial terms, my concern is not numerical. It is procedural, contractual, and regulatory. 

At the time of purchase, I executed one retail installment sales contract with a wet signature. I was never presented with, never reviewed, and never consented to a second contract. The contract later relied upon for lender funding contains a signature that is not mine. I was not notified of any electronic contracting process, and the document provided does not clearly disclose that it is an electronically executed agreement or include standard electronic-signature audit indicators. 

Although I executed a retail installment sales contract with a wet signature, that contract was never provided to me in full and was not the document relied upon for lender funding or administrative enforcement. Instead, a separate contractone I did not execute or authorizewas generated and used to create and enforce the debt. 

Newly Discovered Material Facts Undisclosed Key/Fob Issue In addition to the unresolved contract-validity issue, I recently discovered an additional undisclosed material issue related to the delivery of the vehicle. 

At the time of sale, I was provided only one key fob. There was no written disclosure, addendum, price adjustment, or acknowledgment indicating that only one key would be provided, nor did I sign any document waiving receipt of a second key. It is standard industry practice for vehicles to be delivered with two keys unless expressly disclosed and agreed to at sale. 

The sole key fob has since been stolen. Replacement of the key fob requires approximately {$2500.00} {$3000.00} in out-of-pocket costs, including programming. As a result, I am currently deprived of the use of the vehicle while the lender continues to enforce the debt and associated obligations. 

This represents an undisclosed material cost and a failure to deliver standard items at sale, resulting in ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc.
State: NY

Complaint narrative:
I am submitting this complaint because Client Services , Inc. is attempting to collect an alleged debt that XXXX XXXX  has already reported as a charge-off / loss, while the account continues to be reported inconsistently on my consumer credit reports. 

This conduct constitutes illegal double collection activity, misleading representations, and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Illegal Collection of a Charged-Off / Loss Account XXXX XXXX  reports this XXXX Credit account as : Charged-off Loss to creditor Profit and loss write-off Despite this, Client Services, Inc. is attempting to collect the same balance, claiming I owe the debt and demanding payment.

A debt can not be simultaneously treated as a loss/charge-off and actively collected without proper legal transfer, validation, and accurate reporting.

2. Failure to Provide Proper Validation ( FDCPA 1692g ) Client Services, Inc. failed to provide : A signed contract or agreement Proof of legal assignment from XXXX XXXX  Proof the debt is legally enforceable after charge-off Proof the amount demanded is accurate Continuing collection without proper validation violates 15 U.S.C. 1692g ( b ).

3. False and Misleading Representations ( FDCPA 1692e ) By attempting to collect a debt reported as a loss, Client Services , Inc. made false and misleading representations, including : Misrepresenting the legal status of the debt Misrepresenting the amount and enforceability Creating confusion about who owns the debt This violates 15 U.S.C. 1692e.

4. Unfair and Abusive Collection Practices ( FDCPA 1692f ) Attempting to collect on a charged-off debt without clear ownership or validation constitutes an unfair and unconscionable collection practice, prohibited under 15 U.S.C. 1692f.

5. Inaccurate Credit Reporting & Consumer Harm ( FCRA Violations ) This account is reported inconsistently across credit bureaus, including : Conflicting balances Conflicting payment histories Conflicting creditor remarks Active collection attempts while reported as a loss This violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ).

Harm Caused Damage to my credit profile Emotional distress and XXXX  Improper collection pressure Loss of credit opportunities Please see attached CFPB complaint PDF detailing illegal collection of a charged-off debt, FCRA/FDCPA violations, and request for statutory compensation.Client Services, Inc. is attempting to collect a debt that has already been treated as a loss, while failing to validate or accurately report the account. This conduct is unlawful and harmful. I am requesting CFPB enforcement action, deletion of the tradeline, and appropriate consumer compensation. 

Submitted by : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MO

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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