vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX  failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. GM FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

GM FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: WA

Complaint narrative:
I took out a personal loan ( {$11000.00} ) right before Covid. I lost my job for a fews months and had to defer all my credit cards and debts so I could pay my rent. US Bank refused to allow me to defer my personal loan. So I had to stop paying it, so I could pay for food and rent. They destroyed my credit and then sent the debt to Resurgent debt collector. I paid off the XX/XX/year> debt in the amount of {$5200.00}, with 2 payments, but it was never taken off my credit report.

US Bank also garnished {$3000.00} in wages from me.

I called the bank, I called the debt collector, I called XXXX  no one will help me. I've paid off all the debts and my credit is still terrible.

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 2025-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: OR

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint regarding the servicing of my federal student loan account, which was transferred from XXXX to CRI in XX/XX/year>. 

ISSUE SUMMARY : During the loan transfer, my account was mishandled in the following ways : XXXX. UNAUTHORIZED ADMINISTRATIVE FORBEARANCE ( XXXXXXXX XXXX XXXX - My loan was placed in administrative forbearance for 2 months without my request or prior notice- I only received notification that the forbearance was ending ( letter dated XX/XX/year> ) - Interest continued to accrue during this period XXXX. INTEREST CAPITALIZATION ( ~ {$380.00} ) - Last XXXX statement ( XX/XX/year> ) : Balance {$27000.00} - First CRI statement ( XX/XX/year> ) : Balance {$28000.00} - Increase : {$330.00} ( plus accrued interest totaling {$380.00} ) - This interest was capitalized to my principal during the transfer XXXX. XXXX MONTHS OF INTEREST-ONLY PAYMENTS ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> : {$220.00} - ALL to interest, {$0.00} to principal - XX/XX/year> : {$220.00} - ALL to interest, {$0.00} to principal - XX/XX/year> : {$220.00} - ALL to interest, {$0.00} to principal - XX/XX/year> : {$220.00} - ALL to interest, {$0.00} to principal - Total : {$900.00} paid with XXXX principal reduction XXXX. TEMPORARY PAYMENT TERM EXTENSION - XX/XX/year> ( XXXX ) : XXXX payments remaining - XX/XX/year> ( XXXX ) : XXXX payments remaining ( XXXX extra payments added ) - XX/XX/year> : Back to XXXX payments COMPOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have also filed a complaint directly with XXXX on XX/XX/year>. I am filing with the CFPB because this appears to be a pattern of issues affecting many borrowers during loan transfers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
On XX/XX/year>, I contacted XXXX XXXX to request a government shutdown protection be placed on my account, as I was affected and not receiving paychecks. The representative confirmed that the protection was applied and that no negative credit reporting would occur, as payments would not be considered late under this protection. 

I followed up on XX/XX/year>, and was again told the government shutdown protection was active on my account. That representative also confirmed there would be no negative or non-positive credit reporting while the protection was in place. 

However, on XX/XX/year>, I discovered that XXXX reported a late payment/delinquency to Experian dated XX/XX/year>. When I contacted XXXX, the representative stated that they did not see any negative or non-positive reporting on their end and that nothing had been submitted to Experian. 

I have provided screenshots of my conversations from XX/XX/XXXX and XX/XX/XXXX confirming the placement of the government shutdown protection on my account, as well as the representatives statements that XXXX would not negatively report to any credit bureaus during this protection. I also included a screenshot from XX/XX/XXXX showing the most recent representative confirming that XXXX system does not show any negative reporting on my credit report. 

In summary, XXXX confirmed my government shutdown protection was active on both XX/XX/XXXX and XX/XX/XXXX, yet a negative report appeared on my credit report on XX/XX/XXXX. I am requesting the CFPBs assistance in reviewing and correcting this matter. 

Platinum card ending in 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/scrub> 2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, This email serves as my formal dispute and final demand under the Fair Credit Reporting Act ( FCRA ) regarding the fraudulent XXXX XXXX XXXX account currently appearing on my Equifax credit file. 

I previously submitted an FTC Identity Theft Report ( Fraud Affidavit ) identifying this account as the result of identity theft. Despite this, the account continues to be reported by Equifax, in violation of my rights under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires that all information resulting from identity theft be blocked and removed within four ( 4 ) business days after receiving : 1. A copy of an identity theft report, 2. Proof of identity, and 3. A written request from the consumer.

I have attached the following documents for your records : - FTC Fraud Affidavit Report listing the XXXX XXXX XXXX account - Copy of my government-issued identification - Recent utility bill establishing my true identity and residence This fraudulent account was never opened, authorized, or used by me. Continuing to report this account after being provided with valid proof of identity theft constitutes a willful violation of the FCRA. 

Please immediately remove and permanently block this XXXX XXXX XXXX account ( Account ending in XXXX ) from my Equifax credit report. I also request written confirmation within 15 days that the account has been deleted and my file corrected. 

This is my final notice before I seek legal counsel. I have also submitted formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX reported false information to LexisNexis. There are XXXX at fault auto accidents on my report showing I was the driver. I was not the driver. I reached out to LexisNexis and XXXX powered by XXXX XXXX XXXX to correct the information. They updated the information with incorrect information and still listed mw with my DOB and DL number as the driver on the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Denied Dispute for Fraudulent Refund Promise by Merchant ( XXXX XXXX On or about [ Date of Purchase ], I purchased a [ Type of XXXX  Package/Subscription ] from XXXX ( XXXX XXXX  Limited ) for {$460.00} using my Chase credit card. 

Request for Refund : I was dissatisfied with the service/merchandise and sent an email to XXXX  via the official support channel ( XXXX ) on [ Date you requested refund ]. 

Merchant 's Promise ( Crucial Evidence ) : In response, a representative from XXXX replied ( via XXXX ) on [ Date XXXX agreed to refund ], stating they would honor the refund request. 

XXXX 's Failure to Act : Despite this written agreement, XXXX subsequently failed to process the promised refund to my credit card. 

Dispute with Chase : I initiated a dispute with Chase on [ Date you filed the dispute ] under the reason of " Credit Not Processed '' or " Merchandise/Services Not as Described, '' providing the supporting email evidence from XXXX

Chase 's Denial : On [ Date Chase denied the dispute ], Chase denied the dispute. I have attempted to contact Chase for a specific reason code but was unable to obtain a satisfactory explanation for the denial, especially in light of the merchant 's written commitment to issue the credit. 

My Requested Resolution : I am requesting that Chase immediately re-open and review the dispute based on the compelling evidence that the merchant XXXX XXXX XXXX explicitly agreed to a refund but failed to deliver the credit, making the transaction fraudulent or a clear breach of their promised service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXXXXXX 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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates , LLC is currently attempting to collect on an alleged debt that was formally identified and reported as fraudulent well before XXXX XXXX  sold, assigned, or otherwise transferred any interest in the account. Both my husband and I are confirmed victims of identity theft, and the fraudulent nature of this account has been thoroughly documented through official reports, police reports, and an FTC Identity Theft Report. 

Despite this, it appears XXXX XXXX failed to properly flag the account as disputed and fraudulent prior to its transfer, resulting in continued collection efforts by Portfolio Recovery Associates , LLC on a debt that is not valid. The sale or assignment of a known fraudulent account represents a serious violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), particularly as it concerns the duty to investigate and the prohibition against the continued collection or furnishing of information known to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting to formally dispute several inaccurate and misleading late accounts currently being reported on my credit report. These accounts do not accurately represent my payment history or current financial status, and their continued reporting has caused significant damage to my creditworthiness. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under 611 ( 15 U.S.C. 618i ) to dispute incomplete or inaccurate information and to request a reinvestigation of the accounts listed below. 
XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00}

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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase allowed me to participate in their referral program by giving me an active referral link inside the app. I shared my link with two friends who signed up and purchased the required amount of Bitcoin. Coinbase now tells me that I am not eligible for the referral bonus after the referrals were completed.

This is misleading and unfair. If I was not eligible, the app should not have allowed me to access or share a referral link at all, and two people would not have spent money on Coinbase expecting the bonus to be honored.

Coinbase has not given any clear reason or backend explanation for denying the referral only that I am not eligible. I am requesting an investigation into whether Coinbase is improperly advertising or enabling referral participation and then refusing rewards without justification.

I am seeking the referral compensation I was owed or equivalent remediation. I have attached screenshots of my referral code, the completed referrals, and Coinbases denial message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Bank Product/Service : Online savings account / funds transfer Complaint : I initiated a {$500.00} transfer from my Synchrony savings account to myXX/XX/XXXX account, authorized legally to extract funds, with XX/XX/XXXX as the withdrawing party using the XXXX digit deposit validation code, after attempting to transfer funds to my checking account of choice, which is also XX/XX/XXXX, DID NOT WORK, when initiated from Synchrony. Both the built in " XXXX '' type authentication is broken between XXXX and Synchrony, and they have a problem with manual ACH transfers too. I believe Synchrony is punishing me for attempting to transfer my own funds back to XXXX ( who I am currently losing out on double interest earned for the month of XXXX, due to funds being held in limbo. ) Shortly after the withdraw amount of {$500.00} posted, Synchrony restricted my account, and called beneficiaries who are not only removed from my account now, but are also not legally allowed to access my account under these circumstances, they started reaching out to them citing my withdraw as " loss prevention ... out-of-state login activity. '' I use XXXX, a secure network. That is not my fault their AI is tripping up over this. NOBODY else 's phone number was supposed to be contacted except for mine. 

I contacted Synchrony by phone, secure message portal, and chat today, and was told the restriction would clear. but as of closing time this evening, I still do not have access to my funds. The transfer has not completed, and I was not notified of any reversal or cancellation, or if my funds would be posting to the bank I withdrew them from. 

This restriction has prevented me from accessing my own money for several days now into the month of XXXX. 

Desired resolution : XXXX. Immediate removal of the restriction and access to my funds. 

XXXX. Written explanation of why the restriction occurred and why it persisted after identity verification. 

XXXX. Compensation for the inconvenience caused by this breakdown in service. Failure in compensation will render an immediate withdrawal of all remaining funds, and prompt savings account closure if this situation can not be remedied. I have spent a lot of time and put a lot of trust in Synchrony to be treated like a criminal.

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 2025-11-06 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: AR

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include collection accounts and multiple inquiries that appear to contain errors, incomplete information, or unverifiable data. I request a full investigation into the accuracy of these items and their removal if they can not be fully verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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