vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Last 4 of SSN : XXXX Company / Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : Alleged XXXX Collection Balance {$550.00} Date of Original Dispute Letter : XX/XX/year> Complaint Summary I am disputing an alleged debt reported by XXXX XXXX XXXX for a XXXX account. I sent a certified dispute letter on XX/XX/year>, requesting full validation and proof of this debt, including the original contract, itemized ledger, and documentation showing their legal right to collect. 

The company never responded. 

I then submitted disputes to the credit reporting agencies ( XXXX XXXX Equifax ). The only response I received was verified, without any supporting documentation. This is insufficient and violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Company : XXXX ( Auto Loan Furnisher ) Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint regarding Bridgecrests failure to properly investigate and respond to a formal written dispute and the continued inaccurate reporting of an auto loan account on my credit reports. 

Detailed Statement XXXX XX/XX/year>, I submitted a formal written dispute via certified mail to XXXX regarding an auto loan account they are reporting. The dispute challenged the accuracy, completeness, and balance of the account and requested documentation supporting the reported balance, payment history, and derogatory notations. 

XXXX never responded to my certified dispute letter. 

Despite the lack of response or documentation, the credit reporting agencies ( XXXX XXXX and TransUnion ) later sent me automated notifications stating that the account was verified. These responses contained no supporting evidence, no documentation, and no explanation of how the investigation was conducted. 

The account continues to report a balance of approximately {$19000.00}, along with derogatory payment history and a profit and loss write-off remark, even though the account is reported as closed. This reporting is inconsistent, misleading, and unsupported. 

Violations and Concerns I believe the following violations may have occurred : Failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ) Failure to respond to a direct dispute submitted via certified mail Inaccurate and incomplete credit reporting, including conflicting account status, balance, and remarks Credit bureau reinvestigations that relied solely on furnisher verification without requiring competent evidence, contrary to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) A verified response without documentation or explanation does not satisfy the legal requirement of a meaningful investigation.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
on XX/XX/year> there was money that was deducted from my account from Navy Federal Credit Union. i have an outstanding balance on my credit card of {$7.00}. the money that was deducted from my account didnt go to pay off the credit card. on my online banking statement it doesnt say why or where the money was deducted or where it went to. i also have a credit card that i wasnt making payments to because of my situation of being on workers comp for over 4 years. they closed both accounts the one credit card i paid off but somehow there was still a balance of {$7.00} but ive just paid that off again. the other credit card is no longer listed. im thinking maybe its in collections since i can no longer see that account. but if that account is in collections then why are they still deducting money from my checking account whenever money gets transferred accidentally by XXXX. NFCU is no longer saying why they deducted my account and where it went to. i made a complaint about them about 2 or 3 months ago about them deducting my account and not saying why and where it was going to. so im wondering if you guys ever talked to them and what was the results from my past complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
The account shown is wrongly attributed to me and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Promo ended without clear notice Retroactive interest added Requested removal or partial credit via email and phone without any help Dear Synchrony Bank Customer Care Team, I am writing regarding my account referenced above and the promotional interest that was recently applied after the expiration of my 18-month promotional financing period. 



At the end of the promotional period, interest at approximately 25 % APR was charged to my account. I did not receive any clear or direct notification that the promotion was ending or that accrued interest would be added if the balance was not paid in full. Had I been aware that the promotion was expiring, I would have paid the remaining balance before the end date to avoid interest charges. As SOON as I found out, I submitted full balance ( XX/XX/year> ) in the amount of {$1800.00}. 



I have maintained my account in good standing and made payments in good faith throughout the promotional period. Because I was not clearly notified of the promotions expiration, I am respectfully requesting a courtesy removal or adjustment of the promotional interest that was applied to my account. 



I value my relationship with Synchrony Bank and hope this matter can be resolved as a goodwill accommodation. Please let me know if any additional information is needed to review my request. 



Thank you for your time and consideration.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Williams Rush & Associates for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Williams Rush & Associates is reporting a collection account with a balance of {$7800.00}, allegedly owed to XXXX XXXX XXXX XXXX, opened on or about XX/XX/year>. This reporting is materially misleading and legally defective. 

This account violates 15 U.S.C. 1681 ( a ) ( XXXX ) because the reporting is not accurate nor fair. A negative balance on a collection account misrepresents the nature of the alleged debt and creates a false and misleading impression to third parties reviewing my credit file. 

Additionally, Williams Rush & Associates has failed to comply with 15 U.S.C. 1681 ( e ) ( b ) by reporting this account as a verified derogatory obligation without evidence that reasonable procedures were used to assure accuracy. No documentation establishing the existence of a valid debt, the amount owed, or the collectors authority has been produced. 

Further, this collection violates 15 U.S.C. 1692g. Williams Rush & Associates has not provided proper debt validation, yet continues to engage in collection activity by reporting the account to consumer reporting agencies. Reporting without validation is prohibited under federal law. 

This conduct also constitutes a violation of 15 U.S.C. 1692c, as credit reporting is a form of communication intended to induce payment. Reporting an unverified and disputed debt is an unlawful communication under the FDCPA.

Because Williams Rush & Associates can not lawfully substantiate this account and is reporting it in a misleading manner, the account must be deleted, not corrected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is a formal, aggressive complaint against COMENITYCB/FOREVER21 ( Acct. # XXXX ) for malicious and willful violations of the Fair Credit Reporting Act ( FCRA ). This account is FRAUDULENT ; I have no ties to this debt. Furthermore, the furnisher is engaged in the illegal practice of reporting a " CO '' ( Charge Off ) status for 53 consecutive months from XX/XX/XXXX through XX/XX/XXXX. This is a blatant violation of FCRA 623 ( a ) ( 1 ) ( A ) and industry standards. A charge-off is a one-time event, yet this furnisher is reporting it 53 times to artificially suppress my credit score. THIS IS YOUR ONLY WARNING. I demand the immediate and permanent deletion of this fraudulent account. Failure to effect deletion within seven ( 7 ) business days will result in me retaining legal counsel and initiating a lawsuit for statutory and punitive damages under 15 U.S.C. 1681n and 1681o. 
FCRA Violations and Supporting Points Fundamental Fraud Violation : This account is FRAUDULENT. I never opened this account with Comenity Bank or Forever 21. Furnishing data on a fraudulent account is a violation of FCRA 623 ( a ). 
Illegal Monthly Charge-Off Reporting : Reporting a Charge Off ( CO ) status for 53 consecutive months is a gross violation of the FCRA. A charge-off is a singular event. Repeatedly reporting " CO '' every month is an illegal " re-aging '' tactic used to keep the negative impact fresh and punish the consumer indefinitely. 
623 ( a ) ( 1 ) ( A ) - Duty to Report Accurate Information : The furnisher is reporting inaccurate data by claiming a charge-off occurred 53 separate times. 
Failure to Maintain Maximum Possible Accuracy : The credit bureaus have allowed this illegal reporting pattern to persist for over four years, failing their duty under FCRA 611 and 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I have never had a collection with XXXX XXXX XXXX. I never provided a valid ID or my social security number to open an account. I informed them numerous times I didn't authorize this. They allowed someone to open an account without reasonable identity verification. Clearly they ignored the red flags of address verification, picture ID, etc and violated their company security verification procedures. Violations on their part support negligence, negligent misrepresentation, and NC State consumer protection violations.

Fair Credit Reporting Act states they violated the following sections : 1681n- Willful violations both statutory & punitive damages 1681o - Negligent violations 1681c-2 Failure to block identity theft ( which is a black law letter ).

Theyre attempting to collect on a debt that was misrepresented that the debt is mine when indeed its not. Under the FDCPA this is also a violation.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CT

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am submitting this as my third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Despite my prior disputes and the documentation I have provided, these errors remain uncorrected. The continued reporting of inaccurate information is causing ongoing harm to my creditworthiness, financial opportunities, and personal reputation. I am extremely frustrated by the repeated failures to address these issues and demand immediate, comprehensive correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am submitting this as my third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Despite my prior disputes and the documentation I have provided, these errors remain uncorrected. The continued reporting of inaccurate information is causing ongoing harm to my creditworthiness, financial opportunities, and personal reputation. I am extremely frustrated by the repeated failures to address these issues and demand immediate, comprehensive correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

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 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Disputed Account Information Creditor / Furnisher Name : Spring Oaks  Account Number ( Partial ) : XXXX Credit Bureau : XXXX  / XXXX  / XXXX  Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I formally request verification of the alleged debt and a reasonable reinvestigation. Please provide competent documentation substantiating the accuracy and continued reporting of this account. 

Please provide competent evidence demonstrating : 1. That this account belongs to me, including documentation bearing my authorization, consent, or signature 2. That the balance being reported is accurate, including a complete payment history and an explanation of how the current balance was calculated 3. That the furnisher has lawful authority to report this account, including proof of ownership or assignment and the right to furnish information to consumer reporting agencies 4. That the information meets the standard of maximum possible accuracy, including identification of the records relied upon and the procedures used to ensure accuracy, as required under FCRA 1681e ( b ).

Please be advised that generalized summaries, billing statements, screenshots, or position statements, without accompanying transactional documentation establishing both accuracy and lawful reporting authority, do not independently satisfy the Fair Credit Reporting Acts verification or reasonable reinvestigation standards.

If the above documentation can not be provided, the account must be deleted from my credit file in accordance with applicable law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX My name is XXXX XXXX. I am submitting this complaint regarding inaccurate and disputed debt reporting related to XXXX and a third-party collection agency, XXXX XXXX XXXX 

XXXX reported a bill on my credit report that I believed to be inaccurate. In response, I sent XXXX a certified letter disputing the debt and requesting validation. XXXX never responded to my certified dispute letter. I disputed through the credit bureau only received verified with no proof, Despite my dispute and lack of response, the account was later sent to collections. I then received a collection notice from XXXX XXXX, which claims that I owe {$900.00}. However, XXXX states that the amount owed is {$760.00}, which directly contradicts the amount XXXX XXXX is attempting to collect. 

This discrepancy raises serious concerns about the accuracy of the debt. Additionally : XXXX failed to respond to my certified dispute letter. 

The debt was transferred to collections without proper validation. 

The collection agency is reporting a higher balance than the original creditor. 

I have not received proper verification of the debt from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My wife and I took out a home mortgage with Chase, with the first payment due XX/XX/. We linked our XXXX joint checking account to pay our monthly bill. We received word that the request for funds was rejected by XXXX. I called and was told there was nothing wrong with our account. 

We have made numerous attempts ( I think we are up to XXXX ) to pay our mortgage. XXXX insists there are no stop payments or insufficient funds related to the account. I tried bringing a personal check into a Chase branch, and this too did not work. The only way so far to remain out of default has been to pay by credit card over the phone or by XXXX XXXX XXXX. 

Whether Chase is intentionally making it hard to get a late payment reward or simply lacks interest in helping us pay our mortgage is unclear. I have been on the phone with them more than 20 times in the past several weeks. I am concerned our credit score will take a hit. I am being treated unfairly and seem to have no recourse. Please help.

Company response to consumer: Closed with explanation