vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX- Auto Loan- opened in XXXX XXXX XXXX XXXX- Unsecured loan- opened in XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  - collection- opened in XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX - collection . opened in XX/XX/XXXX XXXX- Credit Card- opened in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX 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 2025-05-24 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: AZ

Complaint narrative:
I dispute the accounts ending in XXXX and XXXX from XXXX XXXX  XXXX. Under 15 USC 1692g, I requested debt validation, including full accounting and proof the debts were not sold. They failed to respond within 30 days. I also submitted a settlement via accord and satisfaction by instrument, which was dishonored and not returned. The debts remain unproven, unenforceable, and are being inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I dispute the accounts ending in XXXX and XXXX from XXXX XXXX  XXXX. Under 15 USC 1692g, I requested debt validation, including full accounting and proof the debts were not sold. They failed to respond within 30 days. I also submitted a settlement via accord and satisfaction by instrument, which was dishonored and not returned. The debts remain unproven, unenforceable, and are being inaccurately reported.

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX -SSN-XXXXDEFENDANT: Portfolio Recovery Associates, L.L.cXXXX XXXX XXXX XXXX XXXX  VA XXXXs number: XXXX XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR: XXXX  XXXX XXXX.\nALLEGED ORIGINAL CREDITOR ACCOUNT NUMBERs: XXXXLLEGED DEBT AMOUNT OR BALANCE XXXXTO CONSUMER REPORTING CERTIFIED MAIL# XXXX XXXX XXXX XXXX XXXX XXXXDEAR: Portfolio Recovery Associates, L.L.c. XXXX XXXX XXXX XXXX VIOLATING THE FDCPA USC 1692 [l NEVER gave your company consent to use this accountXXXX XXXX XXXX XXXX IN COMMERCE]\nEXHIBIXXXX XXXX XXXX XXXX UNAWARE OF THIS ALLEGED DEBT I DIDN'T HAVE THE OPPORTUNITY TO\nDISPUTE THIS ALLEGED DEBT I DIDN'T RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE I'VE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH\nMY WET SIGNATURE STATING THAT IVE RECEIVED IT.\nACCORDANCE TO 15 USC  BUT THE CEASE & DESIST DOSEN'T INCLUDE YOU FROM\nRESPONDING TO THIS REQUEST. IF YOU CAN'T PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE\nTHIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT,\nPURCHASE AGREEMENT, SECRURITIZED OF THE DEBT.\nEXHIBITA2: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED\nDEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT\nTHE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES\n(CRAs)... BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT Al AND IT DOSEN'T INCLUDE YOU FROM DELETING ALLEGED\nDEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE\nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY\nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY.\nFIRMLY,\nDELETE IN RECEIPT AFFIANT XXXX Living woman far from being dead Beneficiary XXXX XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT\nRECOURSE STOP PLAYING WITH MY PERSON ESTATE I LOVE TO SUE\nNOTICE FOR REQUEST OF\nCERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE\nAND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS\nDEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING\nHARM NOTICE INTENT TO SUE REPEATED OFFENDER"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: OFG BANCORP
State: VA

Complaint narrative:
During federally declared disasters in XXXX XXXX, including XXXX XXXX, I requested accommodations from Oriental Bank that were guaranteed under federal and local laws. Despite being located in a disaster zone and experiencing prolonged service interruptions, Oriental Bank failed to provide relief or deferment options and instead reported derogatory credit information during the protected period.

Oriental Banks actions violated multiple federal and local consumer protection laws and emergency policies, including : The CARES Act ( XXXX ) : Required accommodations and protections for credit reporting during XXXX and related federally declared disasters. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Prohibits inaccurate or misleading credit reporting, especially during periods of known hardship. Oriental Bank reported derogatory data despite my attempts to seek disaster relief, constituting inaccurate and unfair credit reporting. 
Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Prohibits discriminatory credit practices, including denial of disaster-related assistance to qualified consumers. 
Federal Financial Institutions Examination Council ( FFIEC ) Interagency Guidelines : Urged banks to waive fees, extend payments, and suspend negative credit reporting during disasters. 
FDIC and OCC Emergency Relief Guidance : Encouraged institutions to offer flexibility to affected customers and ensure fair treatment during declared disasters. 
Governor of XXXX XXXX Executive Orders under XXXX : Mandated institutions to offer financial relief, including forbearance and penalty waivers, to residents in declared emergency areas. 
XXXX XXXX XXXX XXXX and Emergency Acts : Require fair dealing and good faith in contracts, especially under exceptional circumstances like natural disasters. 

Additionally, Oriental Bank failed to follow proper procedures under the FCRA dispute resolution process, which requires furnishers of credit data to : Fully investigate any consumer disputes Verify the accuracy of reported data Correct or delete inaccurate, incomplete, or unverifiable information within 30 days The banks reporting was not only inaccurate but also failed to account for the federally protected disaster period, during which adverse credit actions were either prohibited or strongly discouraged. I dispute the legitimacy of the derogatory marks as they are a direct result of the bank 's failure to comply with federal disaster relief regulations and reporting obligations. 

My efforts to resolve this directly with Oriental Bank were unsuccessful. They failed to acknowledge or act in accordance with the disaster-related protections in place. I am requesting permanent deletion of this account from my credit report due to their noncompliance, failure to verify the accuracy of their reporting, and the resulting harm to my credit standing during a period of documented national and local emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXXs-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I used my card to travel across the country. It ended up getting stolen and being used at a furniture store for XXXX dollars. I submitted a fraud claim and Navy Federal denied my claim and did not get me any specific reasoning behind the denial. I did not receive any text/email alerts regarding this purchase and Navy Federal preaches a 0 liability policy for all unauthorized purchases. Now i am stuck with a {$13000.00} bill for someone elses theft.

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 2025-05-24 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account, has violated my rights. 
Creditor Name : XXXX XXXXXXXX Account Number : XXXX Issue : Late payment : XX/XX/XXXX and XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Late payment and Charged OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Creditor Name : XXXX XXXX XXXXXXXX  Account Number : XXXX Issue : Late payment : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX5 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1681 ( c ) 2 Delete Charge Offs 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: IL

Complaint narrative:
I am filing this complaint against CarMax Auto Finance for inaccurate, unlawful, and misleading reporting on my credit file and against the XXXX credit bureaus for failure to correct these violations after my previous dispute. 

Despite a charge-off status, CarMax continues to report this account with inaccurate balance information, undefined and inconsistent payment codes, and activity well past the Date of First Delinquency ( DOFD ), in an attempt to re-age the debt, violating the Fair Credit Reporting Act. 

Violations Cited : FCRA XXXX ( c ) - Re-aging of Account : Account reports updates through XXXX despite DOFD being prior to XX/XX/XXXX. 
FCRA XXXX ( b ) - Failure to Report Accurate Information : Balance, date activity, and payment codes ( " XXXX '' and " XXXX '' ) are misleading and lack standard definition. 
FCRA XXXX ( a ) ( 5 ) - Failure to Report Accurate DOFD : No clearly stated or correct DOFD, which is required for proper aging and reporting limits. 
FCRA XXXX - Failure to Reinvestigate After Dispute : I previously disputed this account, but the inaccurate information remains, showing failure to conduct a reasonable reinvestigation. 
Supporting Documents : I am attaching : A copy of the XXXX  response showing the continued unlawful reporting of the CarMax account. 
A copy of my dispute letter outlining the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB XXXX is the company, they told me that XXXX XXXX XXXX sold the loan to them to try to collect. XX/XX/XXXX I checked my credit scores and notice that they have been hit by this company. When I reached out to them they try to get me to pay them to remove themselves from my credit scores and I told that I wasn't going to do that. I disputed with XXXX XXXX and told I no longer have the vehicle and it was sold at a auction. I wasn't paying for the interest rate that was left over. I don't work and on fix income, just enough to live off of. XXXX  right now. I notice the debt showed up in XXXX of XXXX hitting all credit cards. I ask to remove it from they still have not settle. In which is blocking me, from trying to fill another dispute against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year>2025 To : AGENT Dept. of Education / Nelnet XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX RE : Direct Dispute of Account Reporting FCRA Compliance Required Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Reported Balance : {$2200.00} Original Balance : {$2000.00} To Whom It May Concern, This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding the above-referenced account being reported by your institution to the national credit reporting agencies. 
After reviewing my credit reports, I have identified several serious issues regarding the accuracy and compliance of the data reported by your office : Inaccurate Balance Reporting : The current balance shown is {$2200.00}, while the original balance is listed as {$2000.00}. I require documentation showing how this balance increased, including interest, penalties, or fees.

Improper Delinquency Reporting : You are reporting 120180 days of delinquency from XXXX through XX/XX/year>2025. If this account was under federal forbearance or administrative deferment during this period, this reporting violates federal policy and must be removed immediately.

Incomplete Payment History : There are multiple months labeled ND ( no data ) in the payment history. Under FCRA 607 ( b ) and Metro 2 format guidelines, data furnishers are required to report consistent, accurate, and complete information. Incomplete records are misleading and unlawful.

DEMAND FOR ACTION : In compliance with FCRA 623, you are required to investigate and respond to this direct dispute within 30 days of receipt.

I am requesting : Complete validation of this account including payment history, forbearance/deferment records, and balance explanation, OR Immediate correction and/or deletion of this tradeline from all consumer reporting agencies If no adequate response is received, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal action under FCRA 616617.

Please send all correspondence and results of your investigation to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax regarding inaccurate and misleading information they are reporting on my credit file. Specifically, they are reporting a charged-off account from XXXX XXXX XXXX ( Acct. ending XXXX ) with an original loan amount of {$24000.00}. 

This account was charged off in XX/XX/XXXX, yet Equifax continues to report monthly updates through XXXX. This is a clear case of debt re-aging, which violates the Fair Credit Reporting Act ( FCRA ). Additionally, the account reflects no payments made since XXXX, yet they are updating the status monthly and using undefined codes such as " L '' and " C '' to imply changes in payment activity. 

Furthermore, Equifax has failed to provide the Date of First Delinquency, which is required by law under FCRA 623 ( a ) ( 5 ).

I am requesting the immediate deletion of this account from my credit report due to these legal violations. If Equifax can not validate the accuracy of this reporting, they are legally obligated to remove it. 

I have attached the Equifax report for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX went to XXXX XXXX XXXX. I was approved on my online credit application for financing in the store. Then we had to call synchrony who is the bank that runs XXXX. I Purchased XXXX of furniture for my new home. After synchrony took a video and a picture of my ID to verify if it was me they declined my financing.

1. I have an excellent credit score.

2. I make well enough money to have paid for this over time easily.

3. I have never been denied credit by any bank in my entire life.

4. I have Amazon and CareCredit cards through synchrony Bank and I have never been late on a payment.

5. They denied my financing and refused to tell me why.

6. I had to unfreeze my credit before I even went to the store specifically to finance this purchase.

6. I had to use a credit card to pay for this in full and it was approved immediately. 
I believe other consumers need to know about this before they go to any store that is financed through synchrony Bank. I certainly would have gone to another furniture store had I known this.

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 2025-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I opened a high-yield savings account with Synchrony Bank to set aside funds for an upcoming move. I deposited approximately {$3600.00} from two personal XXXX accountsmine and my partner'swhich I linked using XXXX 's XXXX verification ( not manually with routing/account numbers ). 

About a week later, I attempted to withdraw the funds because our move was happening sooner than expected. Shortly after, I received a suspicious call claiming to be Synchrony 's fraud department. I didn't provide information over the phone, telling them this sounds like a scan and instead called Synchrony directly. I was told the account had been flagged for fraud and placed under investigation.

I have been going back and forth with Synchrony since XX/XX/XXXX, and despite verifying my identity and the source of the funds, I have not been given any clear timeline for when my funds will be released. The people who answer my calls indicated it may take up to 60 days, which is completely unreasonable and will cause severe hardship, as we are depending on this money to move by XX/XX/XXXX. Everytime I call, they say I can not speak with the fraud department they call them the 'people in the back '. 

I have not committed fraud, and I am simply trying to access my own legally deposited money. Synchrony has offered no clear resolution, nor any way to expedite the process. I believe the use of masked account numbers ( caused by XXXX  login-linking method ) may have contributed to the account flagging, but I had no knowledge this would be a problem. This is time sensitive and impacts my livelihood.

I am requesting that Synchrony review this case immediately, release the legitimate funds, and provide a clear explanation of what is needed to resolve this. I am also requesting a formal apology for the distress and lack of transparency. It has been 11 days since I have been completely frozen from everything and am on a timeline. I have called them three times this week telling them my situation and they tell me it is out of their hands. I am very worried we won't be able to move now for this job, and this is very scary.

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