vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
Formal Demand for Deletion and Notice of Intent to Pursue Legal Action Failure to Conduct Reasonable Reinvestigation Under FCRA 611 and 623 I am writing to formally notify you that I have been disputing multiple inaccurate and unverifiable accounts appearing on my credit file for several months. Despite providing documented evidence, proof of payment, and applicable federal laws, your responses continue to state that the accounts have been verified and updated. This indicates a clear failure to conduct a proper and lawful reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2.

Specifically, the following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Georgia XXXX Account # XXXX Each of these accounts has been disputed with supporting evidence, including proof that the debts were either paid, settled, or otherwise inaccurate. Under FCRA 611 ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that this has not been done. Simply contacting the furnisher and accepting their response without validation is not a reasonable investigation as defined by federal law.

Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report these accounts after notice of dispute constitutes willful noncompliance and reckless disregard of my rights under federal law.

I hereby demand the immediate deletion of the accounts listed above from my credit report. Suppose these items are not permanently removed within 15 days of receipt of this notice. In that case, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue civil action against your agency for each willful violation, seeking damages under FCRA 616 and 617, including attorneys fees and punitive damages. 

This letter serves as your final notice before escalation. Please mail confirmation of deletion to the address above.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Demand for Deletion and Notice of Intent to Pursue Legal Action Failure to Conduct Reasonable Reinvestigation Under FCRA 611 and 623 I am writing to formally notify you that I have been disputing multiple inaccurate and unverifiable accounts appearing on my credit file for several months. Despite providing documented evidence, proof of payment, and applicable federal laws, your responses continue to state that the accounts have been verified and updated. This indicates a clear failure to conduct a proper and lawful reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2.

Specifically, the following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Georgia XXXX Account # XXXX Each of these accounts has been disputed with supporting evidence, including proof that the debts were either paid, settled, or otherwise inaccurate. Under FCRA 611 ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that this has not been done. Simply contacting the furnisher and accepting their response without validation is not a reasonable investigation as defined by federal law.

Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report these accounts after notice of dispute constitutes willful noncompliance and reckless disregard of my rights under federal law.

I hereby demand the immediate deletion of the accounts listed above from my credit report. Suppose these items are not permanently removed within 15 days of receipt of this notice. In that case, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue civil action against your agency for each willful violation, seeking damages under FCRA 616 and 617, including attorneys fees and punitive damages. 

This letter serves as your final notice before escalation. Please mail confirmation of deletion to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank is reporting an account on my credit report that I did not authorize or open. I have contacted them several times to fix this issue, and they temporarily removed the account but keep adding it back. I never applied for or consented to this account. It was opened on XX/XX/year>, with a reported balance of {$25000.00}.

I called Synchrony Bank multiple times. About a week ago, I asked for the account number so I could report this matter to the CFPB. I previously made a payment using my Social Security number while trying to fix the issue, but the account remains and continues to be reported.

This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) : furnishing inaccurate or unverifiable information.

15 U.S.C. 1681i : failing to conduct a reasonable reinvestigation.

15 U.S.C. 1681c-2 : failing to block and remove information resulting from identity theft or unauthorized use.

I am requesting a full investigation into Synchrony Banks repeated reporting of this fraudulent account.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO

Complaint narrative:
XXXX XXXX XXXX was the original creditor for my credit card account, which I opened in XXXX. My Cardholder Agreement with XXXX included a binding Arbitration clause that I never opted out of. 

XXXX later sold or transferred the account to Crown Asset Management , LLC. As the debt buyer, Crown Asset Management assumed the rights and responsibilities of the original Credit Card Agreement including the obligation to honor the Arbitration clause. 

Instead of following that agreement, Crown Asset Management filed a lawsuit against me in state court. By suing me in court instead of proceeding through arbitration, Crown Asset Management is violating the terms of the Cardholder Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
I dont know what this debt is. I have not used XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Truist Banks handling of my dispute involving unauthorized XXXX XXXX transactions that were withdrawn from my Truist account. 

Although I promptly reported the transactions as unauthorized, Truist ultimately denied my claim, stating that XXXX XXXX records indicated the transactions were approved using the facial recognition feature on my phone. 

I want to clarify that I did not authorize these transfers, nor did I consent to anyone using my account or device to complete them. The individual responsible for the fraud had physical access to my phone and pointed the camera at my face without my consent in order to bypass the biometric verification feature. I was unaware of these actions at the time and did not approve the transfers in any way. 

Despite providing this information, Truist relied solely on XXXX XXXX internal security logs to deny my claim asserting that because facial recognition was triggered, the transactions were authorized. This conclusion is inaccurate and inconsistent with Regulation E ( 12 CFR 1005.2 ( m ) ), which defines an unauthorized electronic fund transfer as any transfer initiated by someone other than the consumer without authority and from which the consumer receives no benefit. 

The use of a security feature, such as facial recognition, does not constitute consumer authorization if it was used without consent or under deceptive circumstances. Truists reliance on the devices facial recognition data ignores the fact that I did not knowingly approve or initiate the transfers. 

I am requesting that Truist : Reopen and re-review my dispute under Regulation E, taking into account that biometric access does not equal consumer authorization when used without consent. 

Provide written confirmation that my clarification and supporting evidence are added to my case record. 

Reimburse the funds withdrawn from my account as required for unauthorized electronic fund transfers under Regulation E.

Please note that I am prepared to provide my written statement, police report, and any supporting documentation showing that I did not authorize or benefit from these transactions. 

I would also like to add that I have filed a complaint with CFPB against XXXX on XX/XX/XXXX and I am still awaiting a resolution. ( Complaint ID : 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation To Whom It May Concern, I am contacting you regarding a debt you claim I owe. I do not acknowledge this debt and am requesting validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can verify the validity of the debt : 1. The name and address of the original creditor.

2. The original account number.

3. A copy of any written agreement or contract bearing my signature that shows I agreed to this debt.

4. A complete itemization of the amount claimed, including principal, interest, and fees.

5. Proof that your company is authorized to collect debts in my state.

Until this information is provided, please cease all collection activity and do not report any information regarding this account to the credit reporting agencies. If this debt has already been reported, please mark it as disputed until your investigation is complete. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I got an emergency Grant from the department of veteran affairs and USAA is holding it until the check cashes and I could have went to see my son XXXX in North Carolina with that money but I couldn't go and now my son got hurt because the referees and coaches let his opponent pull my son 's arm back while my son was screaming in pain and didn't stop the match. my other son and I have been sleeping in the car we have no money this is ridiculous. They said they're holding my funds because I have had some non-sufficient funds and they're making sure that check clears and they said there was a disclosure I never saw any disclosure and I explained this to them and they don't care.

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 2025-11-10 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: AK

Complaint narrative:
I am submitting to formally dispute the accuracy of certain late payment entries appearing on my credit report. This letter is submitted under my rights granted by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which allows consumers to dispute incomplete, inaccurate, or unverifiable information.I take my financial obligations seriously and have worked diligently to maintain a positive credit profile. However, I have noticed multiple late payment notations on my accounts with XXXX XXXX XXXX and XXXX XXXX  that I believe are inaccurate or misreported. These entries do not reflect my true payment history and have caused significant stress, emotional strain, and potential impact on my ability to access fair credit opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am asserting my rights under the following FCRA provisions : 611 ( 15 U.S.C. 1681i ) : Grants the right to dispute and request reinvestigation of inaccurate or unverifiable information. 623 ( a ) ( 2 ) : Requires creditors and furnishers to correct and update inaccurate information they provide to credit bureaus. 623 ( b ) : Obliges furnishers to conduct a reasonable investigation when notified of a dispute and ensure reported data is verified. 602 : Ensures consumer reporting is accurate, fair, and protective of consumer rights, making it unlawful to maintain unverifiable or misleading late payment entries.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. 
I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date opened XXXX  Limit XXXX  Last active XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed under 15 U.S.C. TITLE 15 SECTION 1681.XXXX XXXX XXXX XXXX Opened XXXX balance XXXXXXXX  Credit limit shows XXXX XXXX XXXX XXXX  these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed  under 15 U.S.C. TITLE 15 SECTION 1681.\nCharge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed. under 15 U.S.C. TITLE 15 SECTION 1681.The account is charged off and I didnt receive a 1099C for my tax purposes. The account shouldnt dhow a balance because it was paid off by their insurance company. I am asking for immediate removal of these accounts because I have already tried with the bureaus and they are not giving me the info I requsted. Charge off\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed XXXX XXXX XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed under 15 U.S.C. TITLE 15 SECTION 1681.'

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, the authorized representative of XXXX XXXX, regarding DISCOVER s willful and negligent violation of the Fair Credit Reporting Act ( FCRA ). DISCOVER continues to furnish and verify false late-payment information on Account # XXXX, despite multiple disputes submitted to all three credit bureaus. After receiving notice, DISCOVER falsely verified the account as accurate without providing any documentation or proof of investigation. This conduct violates FCRA 1681i and 1681s-2 ( b ), which require furnishers to investigate and correct unverifiable information. 

XXXX XXXX has never failed to make timely payments, and DISCOVER s false reporting has caused damage to his credit reputation and financial standing. A second and final demand letter dated XX/XX/year>, required DISCOVER to provide verification records or delete the account within 15 days. DISCOVER ignored this lawful request and continues to circulate inaccurate information, showing a reckless disregard for consumer rights. 

We are requesting the CFPBs immediate intervention to compel DISCOVER to delete the false late-payment data from all credit reports, provide written confirmation of deletion, and produce all verification documents relied upon in its reporting. DISCOVER s ongoing refusal to comply with the FCRA demonstrates willful misconduct, and enforcement is necessary to protect the consumer and uphold federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: VT

Complaint narrative:
I have 6 missed payments from a year ago due to financial hardship, problems getting documents submitted and contacting student aid services. They said they can not remove the history of the late payments and I am current on my payments in the income driven repayment plan, as of today. I was also in between jobs at the time of the missed payments. I wanted to write a good will letter to get them to remove the payments and my servicer doesn't even give you this option. I am trying to buy a house and because they will not removed the missed payments I am unable to get a mortgage which is also a hardship as I could face homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

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, CHALLENGEDORNOT.

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