vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Called capital one credit card company in regards to two credit cards totaling {$1500.00} in credit. I was told multiple times by the representative that the cards are inactive due to inactivity but Im still being charged a balance, interests and late fees .. there is nothing that they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received the present from my uncle for {$350.00} vanilla Visa gift card and used it once last week with XXXX but noticed I had points to cover the flight so they reimbursed my purchase and got the XXXX $ back. I am going on a cruise with my wife next month and wanted to use the remaining {$350.00} credit towards our expenses. When I got home from dinner tonight. I learned that the card was used in XXXX XXXX XXXXXXXX in multiple locations with multiple charges within one hour. This is the second time with vanilla Visa that a card has gotten compromised and my wife and I are extremely upset. This needs to be taken care of and I need a replacement card for {$350.00} as soon as possible as we are going away after the new year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: PA

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information appearing on my credit file. The addresses listed below do not belong to me, and I have no knowledge of them. Their continued reporting is misleading and violates my rights under federal law. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX I have no knowledge of this address, and it has no association with me. Its presence on my credit report indicates a failure in Experians identity-matching and accuracy procedures.

5 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 5 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate disputed information Immediate deletion of this address from my Experian credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX This address does not belong to me, and I have no knowledge or connection to it. Reporting incorrect address information is misleading and harmful to my credit profile.

15 U.S.C. 1681e ( b ) Inaccurate personal information reporting 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to delete unverifiable information Immediate deletion of this address from my credit report. 

Account Name : XXXX XXXX XXXX  Number : XXXX XXXX  Date Opened : XX/XX/year> Status : Charge-Off Balance : {$0.00} I have no knowledge of this account, nor do I recall ever opening, authorizing, or conducting business with this creditor. Experian has failed to provide any competent proof that this account belongs to me. 
A charge-off is a serious derogatory item, and reporting it without proper verification is a clear violation of federal law.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Reporting unverified and inaccurate account information 15 U.S.C. 1681c ( a ) Prohibition on reporting inaccurate derogatory data Because this account can not be verified as mine, I am demanding immediate deletion of this charge-off from my Experian credit report. 

I am requesting immediate investigation and permanent deletion of the inaccurate addresses listed above, with written confirmation once corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
I been trying this year XXXX  to get information was not successful obtain any information they told me over there phone it is confendtiol i ven asked for a manager they said no one avalible the colltion company was rude!! there NAME IS ... '' CREDIT COLLECTION SERVICE '' THE CHAGE IS {$500.00} IT IS HURTING MY CREDIT INDEED!! 

( ( PLEASE REMOVE FROM MY XXXX  CREDIT REPORT ) ) MUCH APPRECIATED!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate information that continues to be reported on my credit file and has not been properly corrected despite my rights under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is causing ongoing harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$610.00} Issue : Late Payment The late payment history reported on this account is inaccurate and misleading. I dispute the accuracy of the dates, status, and reporting of the alleged late payments. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, FCRA 1681e ( b ) requires TransUnion to maintain reasonable procedures to assure maximum possible accuracy. 
Furthermore, FCRA 1681i ( a ) ( 1 ) mandates that you conduct a reasonable reinvestigation when information is disputed. Re-reporting the same late payment history without providing proof of accuracy, such as complete payment history and billing records, does not meet the standard of a reasonable investigation. 
If TransUnion can not obtain competent and verifiable evidence that clearly supports the accuracy of the late payment reporting, then this inaccurate payment history must be corrected or updated immediately to reflect accurate information, as required by FCRA 1681i ( a ) ( 5 ).

I respectfully request deletion of the incorrect address information and correction of any inaccurate late payment history in accordance with the Fair Credit Reporting Act. I appreciate the CFPBs assistance in ensuring accurate and lawful credit 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 non-monetary relief
Consumer complaint received 2025-12-14 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate information that continues to be reported on my credit file and has not been properly corrected despite my rights under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is causing ongoing harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$610.00} Issue : Late Payment The late payment history being reported on this account is inaccurate and misleading. Equifax has failed to demonstrate that this information has been properly verified as accurate, complete, and timely. Continued reporting of incorrect payment history is causing ongoing harm to my credit profile. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax must conduct a reasonable reinvestigation and correct any information that can not be fully verified. Additionally, FCRA Section 623 ( a ) ( 2 ) requires furnishers to promptly correct and update inaccurate or incomplete information once notified of a dispute.

Furthermore, FCRA Section 607 ( b ) obligates Equifax to follow reasonable procedures to assure maximum possible accuracy. Repeatedly verifying the same inaccurate late payment without proper evidence is a violation of this duty.

If Equifax is unable to fully verify the accuracy of the reported late payment history with proper documentation, the inaccurate late payment entries must be corrected or updated to reflect accurate payment status.

I respectfully request deletion of the incorrect address information and correction of any inaccurate late payment history in accordance with the Fair Credit Reporting Act. I appreciate the CFPBs assistance in ensuring accurate and lawful credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Issue : I am owed a credit balance refund from my closed XXXX XXXX XXXX Synchrony credit card account. Synchrony has repeatedly stated that refund checks were issued, but I have never received any of them. When I called again, I was told that my account no longer exists in their records, despite the fact that they previously claimed to have issued multiple refund checks. This is inconsistent and prevents me from receiving funds I am legally owed. 

Details : My XXXX XXXX XXXX store card was issued by Synchrony Bank. After the account was closed and XXXX XXXX XXXX moved to a different card issuer, my account still had a credit balance ( it is around ~ {$400.00} - I unfortunately do not have the exact amount as I'm now unable to log into my Synchrony account to access that information ) that Synchrony was responsible for refunding. Synchrony told me on several occasions that a refund check was mailed and later reissued, but no check has ever arrived. When I recently contacted Synchrony, I was informed they could not locate my account at all and could not verify any refund, even though they had previously acknowledged the credit balance and check issuance.

This has now happened multiple times, and I have spent significant time trying to resolve the issue. Synchrony has not provided a reliable method to receive my refund, has given contradictory information, and has failed to provide any solution. 

This issue has been ongoing for months and requires regulatory intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a synchrony XXXX XXXX XXXX XXXX XXXX credit card on XX/XX/XXXX and got approved and after I got a message saying I should be getting my card between XXXX and XX/XX/XXXX I never received the card by those dates I called and requested another on XX/XX/XXXX I was giving information over the phone that I needed to get sent a text with a link to take a video selfie and photos of my drivers card then I got to call back in to give them a special code in order to re issue me another card I dont think they never sent the first one after I was racially profiled by the words of we wont be senting out another card until I redo the link verification so as of now Inhave no card again this company is scamming, and pushing people out their promotions thats offered once approved the XXXX XXXX XXXX XXXX XXXX credit card on has it when you spend {$60.00} you get money back {$30.00} only for the 1st 30 days after opening the account I wont be able to use that promo because my card was never sent to me but the company purposely did this so I wont benefit from nothing the card has to offer who knows if im gon na receive the next card also their customer service number is always in a high Q When my card was not received I changed my address to a po box and the company went in on me saying I cant by law get a card issued to any other address not even on a temporary basic so what If I move, or have an emergency your gon na close my account and refuse me a card seems like military tactics

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 2025-12-14 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: NY

Complaint narrative:
This account is inaccurate and unverifiable. XXXX XXXX XXXX is a debt buyer reporting this account, but the original creditor is XXXX XXXX. The account is currently reported as an Open Account, which is misleading. I am requesting that Equifax fully delete this account from my credit report under FCRA 609 and 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is inaccurate and unverifiable. XXXX XXXX XXXX is a debt buyer reporting this account, but the original creditor is XXXX XXXX. The account is currently reported as an Open Account, which is misleading. I am requesting that Equifax fully delete this account from my credit report under FCRA 609 and 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported on my credit file. This incorrect reporting continues to negatively impact my credit profile. 

XXXX XXXX Account # XXXXXXXX XXXX  Date Opened : XX/XX/2023 Balance Owed : {$0.00} Issue : Late Payment I dispute the late payment history being reported on this account. The information currently reflected is inaccurate and/or misleading and does not properly represent the true payment status of the account. Reporting inaccurate late payments is materially harmful and misleading to anyone reviewing my credit file.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), Equifax is required to promptly correct or update information that is determined to be inaccurate or can not be verified as reported.

If Equifax is unable to verify the late payment history with competent, documentary evidence, the inaccurate late payment information must be corrected or updated to reflect accurate payment history.

I respectfully request CFPB assistance to ensure full compliance with the FCRA. The continued reporting of inaccurate information demonstrates a failure to conduct a reasonable investigation. I am requesting immediate correction and deletion as outlined above, along with written confirmation of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  30-Day Late ( XX/XX/XXXX ) Reason to Dispute : Last payment reported XX/XX/XXXX but became 30 days late four months later likely inaccurate.

Past due amount ( {$58.00} ) doesnt match the timeline.

Payment history inconsistent.

Goal : Late payment deletion. 



XXXX. XXXX XXXX XXXX Auto Loan Charge-Off Issues : Charge-off reported but monthly balances keep changing.

Past-due = full balance ( inaccurate after repossession/charge-off ).

Payment history codes inconsistent ( PRL<, > ).

Possible unverifiable reporting.

Goal : Full account deletion.

3. Santander Auto ( older account ) Charge-Off Issues : High balance drops suddenly from XXXX XXXX {$4600.00} {$270.00} Missing payments ( missing XX/XX/XXXX, XX/XX/XXXX ). 
Reporting inconsistent with repossession laws. 
This is almost always unverifiable. 

Goal : Full account deletion. 



XXXX. XXXX XXXX XXXX XXXX XXXX, Paid, but multiple late payments Issues : 120-day late suddenly becomes 30-day late again mathematically impossible.

Multiple X ( no data ) months marked.

Incomplete payment history. 

Goal : All late payments removed OR full deletion. 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX payments from XXXX Issues : Old ( 5 years ) late sequence often lacks documentation. 
Charge account history may be unverifiable. 

Goal : Delete entire tradeline or remove XXXX delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
When they unlocked my account, they told me to add a account to it to withdraw my money.So I did that, it didn't accept it, so I did it again.It didn't accept it.They told me to have a friend or or family request the money I did that they wouldn't accept that either.So then they relocked my account, everything they told me to do I did, and then they say that's why they locked it

Company response to consumer: Closed with explanation