vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
CREDIT COR is reporting a collection account ( Account XXXX for {$990.00} ) on my credit report even though I have never received any initial written notice, no 30-day validation letter, no bill, no itemization, no proof of ownership, and no documentation whatsoever linking me to this alleged debt. I have disputed this account multiple times, and CREDIT COR has not provided a single piece of legally required validation. Under the FDCPA ( 15 U.S.C. 1692g ( a ) ), a debt collector must send written notice of the debt within five days of first contact and must stop all collection activity until proper validation is supplied ( 1692g ( b ) ). CREDIT COR has violated both. Under the FCRA ( 602 and 623 ), a data furnisher can not report information that is inaccurate, unverifiable, or unvalidated, and must be able to prove the accuracy of all information they furnish to a credit bureau. XXXX standards also require full documentation, correct account classification, accurate balance information, DOFD ( Date of First Delinquency ), proper creditor fields, and proof that the furnisher has legal authority to report the debt. CREDIT COR has provided none of this. A collection can not be verified without the original signed agreement, complete account history, itemized balance breakdown, proof of ownership, chain of assignment from the original creditor to the collection agency, and documentation proving the collector has legal authority to collect and furnish the debt. CREDIT COR has supplied none of the required documentation and continues to report this account as if it is verified, which is illegal and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not recognize or apply for. Upon further investigation, I discovered that my personal information was exposed in several data breaches as well. I did not apply for this account and it's negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

This fraudulent account is not only damaging my credit but also causing me significant stress and XXXX. I have no connection to this account and urgently request immediate removal to prevent any further harm to my financial work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-11-27 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Wednesday XXXX XXXX,2025 at approximately XXXXXX/XX/XXXX I called Citi Bank to discuss missed payments on my cards. 

I am writing to report repeated issues I have encountered while attempting to speak with an internal Citibank hardship or retention supervisor regarding my credit card account. I am currently XXXX months behind due to a financial hardship and am actively trying to understand my options, including forbearance and other temporary hardship programs. 

I have contacted XXXX customer service XXXX separate times. During each call, I clearly stated that I needed to be connected to the department that handles hardship programs. Despite this, representatives repeatedly : Provided incorrect or non-functioning phone numbers, Transferred me to departments that were unable to assist, and Ultimately gave me a phone number that was actually for a third-party collection agency, despite my explicit request to speak only with XXXX internal hardship team. 

These actions have impeded my ability to receive accurate information about my options and appear inconsistent with CFPB guidelines regarding accurate, non-misleading communication. I have been attempting to work directly with Citibank in good faith, but the misinformation I received created unnecessary delays and stress. 

I respectfully request that Citibank : XXXX. Properly document my financial hardship in their system, XXXX. Provide direct access to an internal hardship supervisor, XXXX. Supply written information outlining all available hardship programs ( e.g., forbearance, reduced payments, interest relief ), and XXXX. Clarify why I was repeatedly given incorrect phone numbers and directed to a third-party collection agency. 

I am requesting a written response addressing these issues and explaining how Citibank will ensure accurate communication going forward. 

Thank you for your attention to this matter.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Im disputing a debt and its entirety identity mismatch

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
On XXXX XXXX XXXX I called XXXX mortgage and asked to skip my XXXXXXXX XXXX mortgage payment ( {$2000.00} ). They told me it was no problem, but that I would have to pay a late fee, the missed payment would go on my credit report, and I had 3 months make up the XXXX mortgage payment. 

I paid {$2900.00} on XXXX XXXX XXXX I was only REQUIRED to pay {$2800.00}. This amount consists of the regular mortgage payment ( {$2000.00} ) plus one third of the missed mortgage payment ( {$690.00} ) plus a late fee ( {$82.00} ). 

Now I've been getting phone calls from PennyMac, attempting a collection action, because they say I missed XXXX 's mortgage payment. I spoke with an agent, who didn't understand the payment arrangements I had made and why there was no XXXX mortgage payment. I asked to speak to her supervisor. The supervisor said that the XX/XX/XXXX payment that I had made was applied to XXXX, and therefore I still owed for XXXX. This is clearly not honoring the agreement we made to skip XXXX 's mortgage payment altogether and make it up within three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I inadvertently made my monthly payment using an older bank account that was on file. There wasnt enough funds in the account to cover the payment. I was not able to cancel the payment and quickly made my payment on time using another bank account. I was not able to cancel the original payment made by mistake. Synchrony charged me a returned check fee of XXXX. I contacted customer service at Synchrony to see if they could waive this fee because this was an honest mistake and I did make my payment on time shortly after I discovered this mistake. This was the first time this has ever happened on my account. I am a loyal paying on time customer and always make my payments on time. The rep told me she would submit a request and it would have to be approved. She comes back and tells me it was not approved because it was asking her questions about it being a bank error. Thats all she could tell me .. it was not made clear why Synchrony denied my request to have the fee waived. Again this was an honest mistake and I did pay on time. Synchrony refuses to waive the fee of a lousy XXXX for a long time loyal customer. Furthermore there was no way for me to stop the original payment once I discovered the mistake. I should not have to pay this fee and would like it waived.

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 2025-11-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BEST BUY/CBNAs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BEST BUY/CBNA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 


BEST BUY/CBNA 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 2025-11-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-27 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: MA

Complaint narrative:
It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness, in its original form. Accordingly, unless I receive your written confirmation, that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form, on or before XX/XX/, I will conclude that you are either unable and/or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

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 2025-11-26 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: MD

Complaint narrative:
This letter serves as my FOURTH formal dispute regarding a collection account reported by ( XXXX XXXX  ) allegedly connected to [ Original Creditor / third party ]. Despite repeated disputes, TransUnion continues to report this account without providing legally required verification, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am again stating clearly : This account is inaccurate, unverified, and must be removed immediately.

TransUnion has failed to : Provide proper verification of the debt as required under FCRA 611.

Ensure maximum possible accuracy under FCRA 607 ( b ).

Correct or delete the account after multiple disputes where the furnisher has NOT provided any new or valid evidence.

Each time, TransUnion has simply verified the account without producing : A copy of any contract bearing my signature, Proof of ownership/assignment of the debt, An itemized statement, Or ANY documentation proving this debt is mine and accurately reported.

This repeated rubber-stamp verification process is unacceptable and constitutes negligent or willful noncompliance with federal law.

I am demanding the following : A full reinvestigation of this account, not a recycled automated result.

Deletion of the collection account if the furnisher fails to provide substantial proofnot just data from their system.

A detailed description of the procedure used to verify this account ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

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 2025-11-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$370000.00} Date of Last Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$49.00} Date of Last Payment : XXXX XXXX XXXX Balance : {$2600.00} Date of Last Payment : XX/XX/year>XXXX  Legal Basis : 1. 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2. 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 
3. 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 
4. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

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 2025-11-27 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$370000.00} Date of Last Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$49.00} Date of Last Payment : XXXX XXXX XXXX Balance : {$2600.00} Date of Last Payment : XX/XX/year>XXXX  Legal Basis : 1. 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2. 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 
3. 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 
4. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IL XXXXXXXXEquifax Information Services, LLC\XXXX XXXX XXXX GA XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with explanation