vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Summary of Issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a law firm acting as a debt collector for XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a Synchrony/XXXX XXXXXXXX XXXX that I have disputed in writing multiple times since XX/XX/XXXX. 

Timeline : XX/XX/XXXX I sent XXXX XXXX XXXX my first debt-validation letter requesting : NJ license/bond, purchase agreement, complete chain of title, and full accounting. 
Late XX/XX/XXXX XXXX replied with partial documents ( contract, some statements, notice of sale ) but failed to provide the requested items. 
XXXX XX/XX/XXXX I sent a second letter identifying the missing materials and citing XXXX XXXX. XXXX ( b ). 
XX/XX/XXXX I mailed a final demand giving 15 days to comply ; it was delivered XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX sent a packet that was identical to XXXX earlier response and still omitted the required NJ bond/license, purchase agreement, and verified accounting. I received it XX/XX/XXXX. 

Why Im Filing : Both XXXX and XXXX have continued to pursue collection without ever providing complete validation. They have not produced proof of New Jersey authority to collect, a bill of sale identifying my specific account, or a sworn accounting for the claimed {$3400.00} balance. This violates 15 U.S.C. 1692g ( b ), 1692e, and 1692f.

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 2025-10-06 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: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a CareCredit account several years ago and enrolled in AutoPay in 2022. Despite consistent automatic payments withdrawn from my bank account, my credit reports continue to show an outstanding balance of approximately {$1900.00}. This inaccurate reporting has persisted for over XXXX years and has negatively impacted my credit score, affecting my ability to qualify for favorable loan terms. I have retained proof of the AutoPay enrollment email and bank statements showing recurring payments. I am requesting immediate correction of my account to reflect a {$0.00} balance, removal of all negative credit reporting, written confirmation of the correction, and monetary compensation for the prolonged credit damage, financial stress, and time spent disputing this error. CareCredits continued reporting of an invalid balance constitutes negligent and harmful credit reporting under the FCRA and FCBA.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I tried to make an online transaction while I was in XXXX and they locked my account. After 4 phone calls to unlock it, they kept on responding that its been under review and in the meantime I cant access my funds but its been over 3 weeks now and they cant give me a response when it will be resolved. They have my money and I cant access it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> - {$350.00} for XXXX, XX/XX/year> - {$270.00} for XXXX, XX/XX/year> - {$110.00} for XXXX, XX/XX/year> - {$25.00} for XXXX XXXX XXXXXX/XX/year> - {$50.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$50.00} for XXXX and XX/XX/year> - {$100.00} for XXXX  was taken out my account and yes I called and called and called, when I called I was told I was going to receive a refund for the transactions but never received any refunds for those transactions. I did not realize those transactions was charged until it was already to late but when I found out I called but did not receive my money back. I continued to call and receive the same reply that I would get a refund but never did so eventually I just stoped calling once I realized I wasnt receiving anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I discovered multiple fraudulent accounts on my credit reports from Equifax, Experian, and TransUnion. These accounts were opened without my knowledge or consent, and I have since been confirmed as a victim of identity theft. The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXXXXXX ) Account ending in XXXX, reported on all three credit bureaus, with a balance of approximately {$1500.00}. 

XXXX XXXX  Listed on Equifax with no known account number or authorization. 

XXXX XXXX XXXX XXXX Account number XXXX, with a reported balance of {$190.00}. 

XXXX XXXX XXXX Account number XXXX, with a reported balance of {$170.00}. 

I promptly filed a formal FTC Identity Theft Report ( Report # XXXX ), signed a sworn affidavit under penalty of perjury, and submitted my documentation, including proof of identity and address, to all three credit reporting agencies. These submissions were accompanied by dispute letters demanding deletion under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite my timely and legally supported disputes, these fraudulent accounts remain on my credit reports. This inaction constitutes a failure to meet legal obligations under : FCRA 1681c-2 ( Blocking identity theft-related data upon notice ), FCRA 1681e ( b ) ( Maintaining maximum possible accuracy ), FCRA 1681i ( Reinvestigation of disputes ), FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( Duty not to report inaccurate information ), FDCPA 1692g ( a ) ( Validation of debts ), FDCPA 1692c ( Restrictions on contact ). 

I explicitly requested, within the dispute, verifiable documentation for each account, including original contracts bearing my signature, a full chain of title, and itemized balances. None has been produced, which further demonstrates that the information is unverifiable and must be removed under federal law. 

The continued reporting of these fraudulent accounts has caused me significant harm, including damage to my credit score, emotional stress, and the denial of legitimate credit opportunities. I have cooperated fully and complied with all statutory dispute requirements.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
The property was wrongfully foreclosed and sold back to the lender on XX/XX/year>, while it was under bankruptcy protection filed in the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The case was not dismissed. The foreclosure letter from the attorney stated the sale would go through a public sale. That action did not take place. The property was wrongfully transferred back to the lender and not sold publicly. It was a private, third-party sale. The real estate agent for the third-party buyer visited the property, told me that her client purchased the property, and left her contact information with me. Her name is XXXX XXXX of XXXX XXXX located in XXXX, XXXX. On Wednesday, XX/XX/year>, I emailed XXXX XXXX a copy of the proof that the property was under bankruptcy protection at the time her client purchased the property. The attorney for the lender, XXXX XXXX XXXX, Partner with XXXX, XXXX, XXXX, and XXXX, XXXX spoke to me very arrogantly when I called and notified her that XXXX XXXX had visited the property. I also expressed that I was aware of the lender and Partner/Attorney 's illegal activities. Attorney/Partner XXXX filed an affidavit to address her action of wrongful foreclosure. Proof of the foreclosure deed, bankruptcy filing, and the affidavit XXXX XXXX XXXX XXXX are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WI

Complaint narrative:
I am a small business owner using XXXX Payments ( part of XXXX XXXX ) for merchant payment processing. XXXX handled a customer chargeback on my account, but I was never notified or given the opportunity to respond before the case was closed and funds were withdrawn from my account. 

After investigating, I discovered that the mailing address on my XXXX merchant statements is incorrect. XXXX forwarded this same incorrect address to their third-party dispute processor, who then mailed the chargeback documents to the wrong location. As a result, I never received the letters or any notice of the dispute. 

When I called XXXX, their representative claimed my address on file is correct, but the address printed on my official statements proves otherwise. It appears XXXX  internal system was incorrect or out of sync with their third-party vendor. 

This is a procedural and communication failure by XXXXXXXX XXXX XXXX XXXX Their incorrect records caused the chargeback correspondence to be misaddressed, depriving me of my right to respond. I have documentation showing the wrong address printed on my statements and can provide evidence that the customer did receive services as contracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
To : Equifax Information Service LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to formally dispute a hard inquiry that appears on my credit report, which I did not authorize and believe to be fraudulent. The details of the inquiry are as follows : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for a permissible purpose and with the consumer 's authorization. I did not grant permission to this company to access my credit file, nor did I initiate any application for credit, insurance, or other services that would justify this inquiry.

Therefore, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that you initiate an investigation into this unauthorized inquiry. If you find it to be inaccurate or unverifiable, you are required by law to delete it from my credit report within 30 days.

In support of this dispute, I have enclosed the following documents : A copy of my government-issued photo ID A recent utility bill to verify my identity and address A copy of my credit report with the fraudulent inquiry highlighted I further request that, upon completion of your investigation, you send me written confirmation of the results and an updated copy of my credit report reflecting any changes made.If you determine that this inquiry was indeed unauthorized or fraudulent, I expect its immediate removal in compliance with federal law.

Thank you for your prompt attention to this matter. Please contact me at the phone number or email address listed above if you require any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Chime Handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, My financial institution Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions and unfeasible.The CFPBs findings indicate that Chime has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX. I payed XXXX XXXX every month to fix my credit but found out it was a scam. This has now sparked my interest into wanting to know what's going to happen to my credit?

Company response to consumer: Closed with explanation