vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Starting in XX/XX/year>, I purchased a living room set from XXXX XXXX for {$3500.00}, charged to my TJX Rewards credit card issued by Synchrony Bank. From XXXX through XXXX, I remained in contact with XXXX because the products were never delivered. XXXX repeatedly attributed the delay to shipping issues and stated they needed to switch shipping companies. Throughout this period, I repeatedly requested a tracking number, but XXXX was never able to provide XXXX. 

I then contacted Synchrony Bank to open a dispute and uploaded more than XXXX documented interactions with XXXX showing my repeated requests for either a tracking number or a refund. In XXXX, Synchrony denied my claim. When I called to follow up, I was told the attachments had not been reviewed and that I needed to submit the documentation by email. I sent the requested materials on XX/XX/year> and again on XX/XX/year>. On XX/XX/year>, I contacted Synchrony again for a status update, but they were unable to provide XXXX. 

I also have additional emails and text messages with XXXX covering the period from XX/XX/year> through XX/XX/year>. Given the ongoing non-delivery and Harwins refusal to provide tracking or issue a refund, I filed an Internet Crime Complaint on XX/XX/year> and provided a copy to Synchrony Bank in support of my dispute and refund request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I made my last payment on my FHA mortgage because I could no longer afford the monthly payments. I communicated this multiple times per month to Carrington mortgage via phone calls before and after this date. I have continuously listed the property for sale since an injury in the XXXX XXXX  a job change in XXXX  and have maintained it, including winterizing the home, repairing the well ( {$1400.00} in expenses ), replacing the upstairs flooring, paying {$260.00} per month in lawn care, and snow plowing through the winter. The home was vacant, but I retained personal property ( furniture and furnishings ) inside, and it was actively marketed with showings scheduled and multiple showings that occurred the week prior to this incident. 

On Monday, XX/XX/XXXXXXXX  around XXXXXXXX XXXX Carrington Mortgages asset protection vendor entered the home without notice or my permission and changed the locks. They did this without any written abandonment notice or court order. A scheduled realtor showing was interrupted when the agent and potential buyers found workers inside and the locks changed. This directly scared away the buyer and disrupted the sale process. 

Carrington provided no advance notice, no legal basis for entry, and no documentation of abandonment or authority. I did not abandon the property, as evidenced by the active listing and investments in maintenance and repairs. Carringtons actions are improper, harmful to my rights, and have caused financial loss and interference with the sale of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Dear Friends, Please see the attached prior complaint for reference. 

My XXXX funds have not been returned to my account, and as a direct result of this unresolved issue, my credit score has declined significantly due to missed or late credit card payments that were not my fault. 

I have since learned that other consumers have reported similar experiences involving payments sent from XXXX accounts to credit cards at other financial institutions that were delayed, missing, or incorrectly processed. These reports describe issues such as ACH processing errors, unexplained delays, or posting failures that caused payments to appear unreceived, leading to credit harm and customer confusion. 

This suggests the issue may not be isolated and warrants further investigation. I am requesting the immediate return of my funds, correction of any negative credit reporting, and a clear written explanation of what occurred.

Common Types of Complaints Reported by XXXX Customers 1. Payments appearing missing or not showing up yet Some users reported making a payment from an external bank to their XXXX credit card and then seeing it not reflected or marked as didnt receive payment in the XXXX app even though it was still pending and later showed up. 
XXXX XXXX. Transfers showing as pending but not posting immediately There are cases where people paid on or near their due date and it showed pending for a while, leading to confusion about whether it was received on time. 
XXXX XXXX. ACH or external transfer glitches and delays Some users have posted about external transfers being delayed, returned, or cancelled without clear explanation which can make payments seem like they never arrived. 
XXXX XXXX. Auto-payments bouncing or getting returned At least one report showed scheduled auto-payments being cancelled/returned, then mysteriously marked as accepted which added confusion about whether the creditor received the funds.

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 2025-12-29 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: SC

Complaint narrative:
I am submitting a dispute regarding the accounts listed below. Please review the information for accuracy and correct any discrepancies based on the Fair Credit Reporting Act ( FCRA ). These are the accounts that are currently being disputed. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer working to fix my credit, and I am disputing the following accounts across the three major credit bureaus. Below are the details of the accounts in question : Charge Off Accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$320.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$620.00}

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 2025-12-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
Formal Notice of Dispute Demand for Deletion of Inaccurate and Unverifiable Information To Whom It May Concern, I am writing to formally dispute multiple items currently appearing on my Experian consumer credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This letter serves as formal notice that the information listed below is inaccurate, incomplete, misleading, and/or unverifiable. 

Disputed Items Include ( but are not limited to ) : - Late payments - Charge-off accounts- Collection accounts- Hard inquiries Under 15 U.S.C. 1681e ( b ), Experian, TransUnion and Equifax is required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information.

At this time, you have failed to provide competent evidence that these accounts are : 1. Accurate 2. Complete 3. Verified with original documentation 4. Reported in full compliance with the FCRA Specific Violations Include : - Reporting late payments without proof of consumer authorization or signed agreement - Reporting charge-offs and collections without complete payment history, chain of custody, or original creditor documentation - Reporting inquiries without evidence of permissible purpose under 15 U.S.C. 1681b If Experian, TransUnion and Equifax can not produce actual verifiable documentation, including but not limited to : - Original signed contracts or applications - Complete payment histories- Proof of permissible purpose for inquiries - Proper certification from data furnishers then federal law requires deletion, not verification. 

Demand for Relief : I am demanding that Experian, TransUnion and Equifax DELETE all disputed late payments, charge-offs, collection accounts, and unauthorized inquiries from my credit file immediately if they can not be fully verified as required by law.

If these items are not deleted within the 30-day statutory period, I will consider Experian to be in willful non-compliance with the FCRA.

Notice of Intent to Sue : Please be advised that continued reporting of inaccurate or unverifiable information may result in legal action without further notice. I am prepared to pursue civil remedies, including statutory damages, actual damages, punitive damages, attorneys fees, and costs pursuant to 15 U.S.C. 1681n and 1681o.

This letter is not a refusal to pay, but a lawful demand for compliance with federal consumer protection statutes. 

Please provide written confirmation of your investigation results and deletions. 

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 explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
Formal Notice of Dispute Demand for Deletion of Inaccurate and Unverifiable Information To Whom It May Concern, I am writing to formally dispute multiple items currently appearing on my Experian consumer credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This letter serves as formal notice that the information listed below is inaccurate, incomplete, misleading, and/or unverifiable. 

Disputed Items Include ( but are not limited to ) : - Late payments - Charge-off accounts- Collection accounts- Hard inquiries Under 15 U.S.C. 1681e ( b ), Experian, TransUnion and Equifax is required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information.

At this time, you have failed to provide competent evidence that these accounts are : 1. Accurate 2. Complete 3. Verified with original documentation 4. Reported in full compliance with the FCRA Specific Violations Include : - Reporting late payments without proof of consumer authorization or signed agreement - Reporting charge-offs and collections without complete payment history, chain of custody, or original creditor documentation - Reporting inquiries without evidence of permissible purpose under 15 U.S.C. 1681b If Experian, TransUnion and Equifax can not produce actual verifiable documentation, including but not limited to : - Original signed contracts or applications - Complete payment histories- Proof of permissible purpose for inquiries - Proper certification from data furnishers then federal law requires deletion, not verification. 

Demand for Relief : I am demanding that Experian, TransUnion and Equifax DELETE all disputed late payments, charge-offs, collection accounts, and unauthorized inquiries from my credit file immediately if they can not be fully verified as required by law.

If these items are not deleted within the 30-day statutory period, I will consider Experian to be in willful non-compliance with the FCRA.

Notice of Intent to Sue : Please be advised that continued reporting of inaccurate or unverifiable information may result in legal action without further notice. I am prepared to pursue civil remedies, including statutory damages, actual damages, punitive damages, attorneys fees, and costs pursuant to 15 U.S.C. 1681n and 1681o.

This letter is not a refusal to pay, but a lawful demand for compliance with federal consumer protection statutes. 

Please provide written confirmation of your investigation results and deletions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the following accounts that are currently being reported on my consumer credit file. 
Consumer Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Name : LVNV FUNDING LLC Account Numbers : XXXX and XXXX These accounts are being reported with inaccurate and incomplete information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Specifically : The accounts were paid/settled for less than the original balance, yet the current reporting does not accurately reflect the correct status. 
The balances and/or payment history are not consistent across my credit reports. 
The information being reported is not complete, accurate, or verifiable as required by law. 
I have enclosed copies of my credit reports with the disputed inaccuracies clearly highlighted for your review.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ), you are required to conduct a reasonable investigation into these matters. If you are unable to verify the accuracy of these accounts with competent evidence, the law requires that they be deleted immediately from my credit file. 
Please complete your investigation within the required 30-day timeframe and provide written confirmation of the results. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation