vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> AMERICAN EXPRESS RE : Debt Validation Request Account Number : ( Acct XXXX ) Amount Reported : {$2500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : XXXX. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
XXXX. The original signed contract or agreement bearing my signature that legally binds me to this obligation. 
XXXX. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
XXXX. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
XXXX. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable. 

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within XXXX days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed multiple disputes with Experian, Transunion, and Equifax, for inaccurate information on this account and it continues to hurt my credit every month.

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 2025-07-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Date : XX/XX/XXXX To : Equifax XXXX Services XXXX XXXX XXXX Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Demand for Removal of Unauthorized Inquiries & Inaccurate Personal Information To Whom It May Concern, I am formally disputing and demanding the immediate removal of the following unauthorized inquiries and unverifiable personal information from my credit file, under the provisions of the Fair Credit Reporting Act ( XX/XX/XXXX) XXXX U.S.C. XXXX ( a ) and XXXX U.S.C. XXXX ( a ) as well as the Georgia Fair Business Practices Act ( XXXX. XXXX ). 

Unauthorized Inquiries to Be Removed : XXXX XXXX, XXXX. 
XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX Miscellaneous/Unknown Unknown XXXX Unknown These inquiries were made without my written authorization, permissible purpose, or legitimate credit transaction initiated by me. Pursuant to FCRA XXXX U.S.C. XXXX ( c ) ( XXXX ) ( A ), these unauthorized inquiries must be immediately deleted from my credit file. 

Outdated/Unverifiable Personal Information to Be Removed : Former Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Addresses : ( Remove all outdated addresses currently listed ) Former Phone Numbers : ( XXXX ) XXXX Under FCRA XXXX U.S.C. XXXX ( a ) and O.C.G.A. XXXX ( b ), any obsolete, incorrect, or unverifiable personal identifying information must be removed from my credit file to preserve accuracy and privacy. 

Demand for Compliance : You are required by law to complete your reinvestigation within XXXX  days of receiving this dispute, as required by FCRA XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). If verification can not be provided, the items must be deleted. I also request that you : Provide a written statement of results. 

Supply the name, address, and contact information for any party you relied upon for verification. 

Describe the reinvestigation procedures as required by FCRA XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( XXXX  ), Georgia Attorney Generals Office, and may prompt legal action seeking actual, statutory, and punitive damages under FCRA XXXX U.S.C. XXXX. 

Thank you for your prompt attention to this legal demand. 

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am filing this complaint against Synchrony Bank for closing my TJX Rewards Mastercard account based on a payment that was incorrectly flagged as fraudulent, even though the issue was not caused by me and occurred during a standard home refinance process. The payment came from an attorneys escrow account at XXXX XXXX  and was returned due to a bank error, not consumer fraud or misconduct. 

Immediately after the issue, I paid a substantial portion of the balance from my own funds. I also have a XXXX credit score, have never missed a payment on this account, and have paid significant interest to Synchrony clearly not a risky borrower.

Despite this, Synchrony closed my account and gave conflicting explanations : First, an agent told me it was due to a routine credit review. I had to correct him and explain that another Synchrony representative had already informed me that it was a flagged payment from the returned refinance check that triggered the closure. Only then did the rep finally acknowledge that I was right but offered no further support or resolution. 

I am extremely frustrated that a company can shut down my account in a way that could damage my credit, yet refuses to give me a direct contact in their Executive Resolution or Credit Reporting department to clear my name. I was told they have no email contact, only a fax number and PO Box , and no way for my bank to submit verification on my behalf. 

This lack of transparency and access is unacceptable, especially when the consequences affect a consumers credit reputation. I am doing everything I can to resolve this responsibly, and they are blocking me at every turn. 

I respectfully request the CFPB to : XXXX. Require Synchrony to correct the record and ensure no fraud or derogatory remarks were reported to the credit bureaus. 
XXXX. Provide written confirmation that this was a bank processing error, not consumer misconduct. 
XXXX. Disclose a direct contact for Executive Resolution or the department responsible for account closures and credit reporting so this matter can be resolved without further escalation. 

I have screenshots of all chats, including the rep admitting the flagged payment caused the closure after I corrected his first claim. Ive uploaded screenshots from the chat.

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 2025-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
Mercedes-Benz Financial is falsely reporting a lease as open and past due long after the vehicle was returned and the lease term ended. 

My lease ended in XX/XX/XXXX, and the vehicle was picked up by a tow company for return. I do not have written confirmation of return but have not had possession of the vehicle since that time. I believed the lease was complete. 

However, my credit report still shows this account as open with a $ XXXX balance, including thousands in unexplained fees and property taxes. 

On XX/XX/XXXX, I submitted a formal request through the Mercedes-Benz Financial customer portal asking for : Confirmation that the vehicle was returned A breakdown of the charges A correction to the credit reporting As of now, the account remains open and delinquent, significantly damaging my credit and impacting my ability to secure housing. 

I am requesting an immediate investigation, correction of the credit reporting, and a full explanation of the charges applied after the lease ended. 

I am unable to locate documentation from the tow return because they did not provide it but can confirm the vehicle has not been in my possession since XX/XX/XXXX. I am requesting this matter be investigated and resolved as a reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX SSN # XXXX I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX. * * XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the XXXX full report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXX - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the XXXX report XXXX. XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. 

Ssn number 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 2025-07-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DE

Complaint narrative:
XXXX XXXX XXXX # XXXX I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the bloombeXXXX full report XXXX. * * Genesis Credit / XXXX XXXX XXXXXXXX * * - Account # : XXXX * * * * - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the bloomberg report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX * * * * - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. 

Ssn number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I have closed by doing pre-closure of google pay loan ( DMI finance ) but it is showing active loan in credit report. Please update it as soon as possible because I need a top up loan from the bank where my existing loan is there.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I received my credit report from Equifax. In response to a compliant that I made through the cfpb in XXXX. 
EQUIFAX did not do a thorough investigation. Therefore I am attaching my credit report that they sent me with highlighted violations that the fair credit reporting act verifies as inaccurate, misleading, and antedated.The furnisher states that this account is closed but the furnisher was reporting these violations before and after the payoff. THESE IS SHOWING AS A NEGITIVE ACCOUNT ON THE CREDIT REPORT. Attached is the most recent credit report and other required documents as PROOF OF VIOLATIONS. 
Identified Issues : Violations Duplicate Late Payment Reporting : In XX/XX/XXXX, the report appears to list multiple late payment entries within the same month ( marked as XXXX, etc. ). An account can not report late twice in XXXX days! 


The FCRA does not allow a creditor to report multiple delinquencies for the same billing cycle this is misleading and violates FCRA XXXX ( b ), which requires maximum possible accuracy.

Late Payment History Older Than XXXX  Years : XX/XX/XXXX late payments are still showing. 


Under FCRA XXXX ( a ) ( XXXX ), late payments XXXX not be reported longer than XXXX years from the date of delinquency. These are now obsolete and must be deleted. 


Paid and Closed Account with XXXX XXXX : Since the account was paid in full and closed, and no balance remains, continued reporting of multiple derogatory remarks without accurate clarification can be interpreted as misleading, especially if not updated properly during reinvestigation. 

1681e ( b ) Accuracy requirement 1681i Dispute and reinvestigation rights 1681c ( a ) ( 5 ) XXXXXXXX reporting limit on derogatory data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I received my credit report from XXXX In response to a compliant that I made through the cfpb in XXXX. 
XXXX  did not do a thorough investigation. Therefore I am attaching my credit report that they sent me with highlighted violations that the fair credit reporting act verifies as inaccurate, misleading, and antedated.The furnisher states that this account is closed but the furnisher was reporting these violations before and after the payoff. THESE IS SHOWING AS A NEGITIVE ACCOUNT ON THE CREDIT REPORT. Attached is the most recent credit report and other required documents as PROOF OF VIOLATIONS. 
Identified Issues : Violations Duplicate Late Payment Reporting : In XX/XX/XXXX, the report appears to list multiple late payment entries within the same month ( marked as XXXX, etc. ). An account can not report late XXXXXXXX in XXXX days! 


The FCRA does not allow a creditor to report multiple delinquencies for the same billing cycle this is misleading and violates FCRA 1681e ( b ), which requires maximum possible accuracy. 


Late Payment History Older Than XXXX Years : XX/XX/XXXX late payments are still showing. 


Under FCRA 1681c ( a ) ( 5 ), late payments may not be reported longer than XXXX years from the date of delinquency. These are now obsolete and must be deleted. 


Paid and Closed Account with XXXX XXXX : Since the account was paid in full and closed, and no balance remains, continued reporting of multiple derogatory remarks without accurate clarification can be interpreted as misleading, especially if not updated properly during reinvestigation. 

1681e ( b ) Accuracy requirement 1681i Dispute and reinvestigation rights 1681c ( a ) ( 5 ) XXXX reporting limit on derogatory data

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 2025-07-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX Experian, XXXX, and XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at Original creditor : on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-06 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: NJ

Complaint narrative:
Im writing to dispute an inaccurate late payment .. Reported on my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX I did a pre-qualification for a credit target in which they said that it would not harm my credit as a hard inquiry and if it was, I did not give my consent for it to be done that is why I want them to eliminate this hard inquiry.

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 2025-07-06 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: DC

Complaint narrative:
I ASKED XXXX TO PROVIDE THE WET INK SIGNATURE OF THE NOTE AND THEY HAVE YET TO COMPLY AND THEY ARE TARNISHING MY CREDIT BY FALESELY REPORTING INACCURATE INFORMATION. 
Case : XXXX XXXX XXXX XXXX XXXX, XXXX ( 2018 ) Summary : In this case, the plaintiff alleged that XXXX XXXX XXXX XXXX XXXX ( XXXX ) violated the Fair Debt Collection Practices Act ( FDCPA ) by making false representations about the debt and failing to provide required disclosures. 
Holding : The court ruled in favor of the plaintiff, finding that XXXX had indeed violated the FDCPA. 
Keep in mind that specific case details and outcomes may vary depending on the jurisdiction and circumstances.

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