vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Collection Systems, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I was informed by the university that they will send or threaten to send my hold bill to the collection agency that they are tied to without any explanation and negotiation. I have been paying that hold down since it started but XXXX XXXX took it upon themselves to not notify me and add a percentage to the hold amount and send it over to a collection company without my consent or knowing. And the bill was originally at {$8000.00} but since it was transferred to that company the amount increased. Which caused me alot of setbacks and i had to re do my payments. No actions was taken by both parties. I have sent out letters and all but no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am contacting you to formally dispute a fraudulent XXXX account that was opened in my name without my authorization. I did not create, open, or consent to this account, and I am a victim of identity theft.

Statement of Fraud : This account does not belong to me. I did not apply for XXXX service, nor did I authorize anyone else to open an account on my behalf. Any charges associated with this account are fraudulent. Requested Actions : I am requesting tha
t XXXX : 1. Immediately close and remove the fraudulent account.

2. Cease all billing and collection activity associated with this account.

3. Provide written confirmation that this account has been closed and identified as identity theft.

4. Provide copies of all records related to the fraudulent account, including : Application information Call logs Service addresses IP addresses used to create the account Any identification submitted 5. Provide documentation confirming that XXXX has notified all credit bureaus to delete this account from my credit file.

Included Documentation : I am attaching the following documents to support my identity theft claim : Copy of my government-issued ID Copy of a recent utility bill for address verification Identity Theft Report/ FTC Identity Theft Affidavit ( if available ) Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Act, XXXX is required to block and remove fraudulent information and provide requested documentation.

Please investigate this matter promptly and provide written confirmation once the fraudulent account has been removed.

Thank you for your cooperation. 

Sincerely, 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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year>, I purchased furniture at Ashley Furniture. XXXX encouraged me to apply for their Synchrony Bank credit card, and I applied in the store because they said it would make the purchase easier and help me get approved. 
XXXX corner chair XXXX corner chair Medium rug The total was {$4100.00}. 
When the furniture arrived at my apartment, I discovered that both chairs were too large and could not fit. My brother and I immediately returned them and replaced them with a different sofa set. We only kept the rug, which costs {$99.00}. 

After XXXX processed the return and replacement, they issued a corrected receipt showing the total for the replacement sofa set with insurance included : {$3900.00} ( not including the rug ). 

However, my Synchrony Bank account did not reflect this corrected amount. Instead, Synchrony charged me approximately : {$4700.00} ( waiting for older statements ). The overcharge is {$680.00} more than the corrected receipt amount. 

To resolve this, I filed XXXX disputes with Synchrony Bank. Each time my dispute was denied, claiming I did not provide enough evidence, even though I uploaded : Original purchase receipt Replacement receipt All denial letters My account statements Even after all of this, Synchrony still could not explain : Where the extra charge came from Why the corrected amount was not applied When I called Synchrony, every agent told me something different : XXXX said the return was not processed correctly. 
Another said I authorized all charges, which is false because the returned items are clearly shown on the receipts. 
Another said my documents were not visible, even though I uploaded them repeatedly. 
Another blamed XXXX for not sending paperwork, even though I provided XXXX corrected receipt. 

Because nothing was resolved and to avoid late fees, I continued paying down the incorrect balance. My account is now down to {$6.00}, which is interest charged during this issue not a valid purchase. 

I am requesting that Synchrony Bank be required to : XXXX. Provide documentation explaining the {$680.00} overcharge XXXX. Correct the account balance XXXX. Refund any interest or fees caused by their error XXXX. Update my account history and correct any reporting to credit bureaus I have all receipts, denial letters, and proof available to upload.

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 monetary relief
Consumer complaint received 2025-11-15 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: WA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXXXXXX XXXX XXXX XXXX  ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I request a full review of my payment history as I have always made my payments within the 30-day grace period. Upon the completion of my review, Will you please remove the recent 30-day late payment accordingly. Thank you for your cooperation in this request.

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 2025-11-15 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Medical debt collection was put on my credit report from I.C SYSTEM , INC. The original debt collection is XXXX XXXX. Date opened shows XX/XX/year>. This debt collection was paid in settlement for {$270.00} and the original amount was {$320.00}. This debt collection is still shown on my credit report, I checked on XXXX. 

Please reach out to me for further information.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I dispute the agencies for not providing the original account and payment history. The company also couldnt provide proof that they were legal to collect debt in the state of Texas. I looked company up on the state of Texas attorneys general data base site. The agencies doesnt have a active bond on file in the Texas courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX opened a fraudulent savings account for someone using my personal information. The deposit amount was XXXX The account was debited XXXX on XXXX XXXX XXXX. The account has been closed. A statement was postal mailed to me and received on XXXX XXXX XXXX, this is how I was aware of XXXX requested a copy of the paperwork or form filled out to obtain this account that was in MY NAME, but they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
I had made XXXX large payments on the card. The limit is {$700.00}. XXXX I paid {$400.00}. XXXX I paid {$300.00}. I did use the card up to the limit. XXXX weeks after I had made the {$300.00} payment, there was an agent initiated payment for the full balance of the card placing the account in a negative if over {$300.00}. My bank, XXXX reimbursed and stopped the payment after I called Concora and demanded to speak to a supervisor who told me she saw that the payment was unauthorized but there was nothing they could do to refund and they would speak to the agent. About a week and a half later, it happened again, and again they could do nothing to stop what was happening and again I had to go to XXXX to get things fixed only this time they were blocked from making any transactions to my account because of the details of why this was happening. I was then repeatedly contacted by Concora around the clock and continue to receive harassing calls about paying off the card. I do have other accounts however I am leery if attaching them to any account that I have due to their predatory practices. I am currently on unemployment and can not sustain if they continue to wipe out every account I attach them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These outdated addresses may lead to inaccuracies in my credit report and potentially impact my creditworthiness. I request that your office investigates this matter and facilitates the necessary updates with the credit reporting agencies. 

Attached to this complaint are copies of relevant documents that support my request, including proof of my current address ( e.g., utility bill, lease agreement ). 

Please confirm receipt of this complaint and keep me informed about the progress of my request. I appreciate your attention to this matter and your assistance in ensuring the accuracy of my credit report. 

Thank you for your prompt attention to this issue. 

Sincerely,

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX ticket through Chase XXXX for {$2000.00}. Due to a medical issue, I contacted both XXXX XXXX and Chase XXXX to understand my cancellation and refund options. 

During my first call, I was told that with proper medical documentation, I could file an insurance claim and receive a full refund, because my situation was covered under their travel insurance policy. I was also informed that I could receive a full-value travel credit with no additional fees.

I provided all required documentation, including : A medical note from my doctor stating that, due to pregnancy-related complications, I was not advised to travel.

Separate medical documentation supporting the cancellation for my partner, as he would have been required to accompany me as my support person during the trip. 

Chase XXXX insurance policy explicitly states that medical conditions preventing travel are a covered reason for full reimbursement, and that coverage extends to both the affected traveler and a companion who must travel with them. 

However, when I followed up, I received conflicting information from both XXXX XXXX and Chase XXXX. I was later told that the fare was non-refundable and that a travel credit might not be issued, contradicting earlier guidance. Additionally, one of the required insurance claim documents is written confirmation of cancellation from the airline or Chase XXXX, but Chase XXXX refuses to provide any written confirmation that my ticket was cancelled. This makes it impossible to submit the claim they instructed me to file. 

I am requesting a full refund of the {$2000.00} ticket due to misinformation, contradictory guidance, and Chase XXXX  refusal to provide the necessary documentation to complete the claim under their own policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief