vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am a victim of identity theft, and the credit reporting agencies have repeatedly failed to correct inaccurate information on my credit file. My personal information has been compromised multiple times through data breaches involving credit agencies, which has resulted in fraudulent and unauthorized accounts appearing on my credit reports. 

Since XXXX, I have been disputing multiple accounts that do not belong to me. Despite providing documentation, submitting disputes, and repeatedly requesting investigations, the information has not been corrected. These unresolved inaccuracies continue to harm me, and the credit reporting agencies have not fulfilled their obligations to conduct reasonable investigations under the Fair Credit Reporting Act. 

The accounts in question are listed in the attached documents. I am requesting that the CFPB review this matter, require a proper reinvestigation, and ensure these fraudulent accounts are removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-11-28 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: MS

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have a XXXX credit card issued through Synchrony Bank. According to the fine print, Synchrony does not accept payments from savings accounts. However, the XXXXSynchrony mobile app allows customers to freely link any bank account with no warning or indication that savings accounts are ineligible.

I linked my savings account through the app and attempted to make a payment. The app accepted the payment and provided no notice that the account type was not allowed. The payment was then rejected, and Synchrony charged me a {$30.00} returned-payment fee. When I contacted Synchrony, I was told the fee would not be removed because it was human error on my
parteven though the app design gave no indication that a savings account could not be used, and Synchronys own system allowed the account to be linked and the payment to be attempted.

This feels like an unfair and deceptive practice. If Synchrony prohibits savings account payments, the app should block those accounts or provide a clear warning before allowing customers to submit a payment. Instead, the system allows the transaction and then charges a penalty fee based on a technicality that consumers have no reasonable way to know about.

I am requesting that the CFPB review this issue as a potentially unfair junk fee that results from misleading or inadequate disclosures and system design. I would like the {$30.00} fee refunded and for Synchrony to fix their app so that ineligible accounts can not be linked or used for payment.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In XX/XX/year>, I disputed a Portfolio Recovery Associates collection account because the balance and reporting information did not appear accurate. At the same time, I sent Portfolio Recovery a written Debt Validation Request under FDCPA 809 ( b ). They never provided any validationno proof of ownership, no itemized accounting, and no documentation from the original creditor ( XXXX XXXX XXXX  ). 

Despite failing to validate the debt, Portfolio Recovery continued reporting this account to the credit bureaus. The balance and reporting dates differ between XXXX  and XXXX, which violates FDCPA 807 ( 2 ) ( A ) because they are reporting and attempting to collect an amount they can not substantiate. It also violates FDCPA 808 because they continued collection activity even though they were legally required to stop until they validated the debt.

I later disputed the account with the credit bureaus, but the bureaus verified the account even though Portfolio Recovery did not respond to my validation request. This violates FCRA 611 ( a ) ( 1 ), because no reasonable reinvestigation can occur without validation. It also violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), because the information being reported by Portfolio Recovery is unverified and inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I am submitting this written notice to dispute multiple items on my TransUnion credit file. These accounts contain inaccurate and/or incomplete information, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and FCRA 1681i ( a ) ( 1 ) ( A ) ( duty to reinvestigate disputed information ).

Please conduct a full reinvestigation for each of the following : 1. XXXX XXXX Account Ending XXXX Reported as : Charge-Off Reported Balance : {$830.00} Reported Past Due : {$830.00} Dispute Reason : A charge-off can not continue to report an active past-due amount. This is materially inaccurate. Cross-bureau inconsistencies indicate unreliable data.

Action Requested : Delete if not fully verifiable.

2. XXXX XXXX XXXX XXXX Account Ending XXXX Reported as : Charge-Off Ongoing delinquency codes reported after charge-off Dispute Reason : Delinquency codes can not accumulate after a charge-off is recorded. This is inaccurate and misleading.

Action Requested : Delete if unverifiable.

3. XXXX  Student Loans ( Multiple Accounts ) 90/120/150/180-day lates reported historically Accounts currently in deferment

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 2025-11-28 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: DISCOVER BANK
State: NV

Complaint narrative:
I contacted Discover in relation to a transaction dispute with a Merchant. The company sent me back a rude form letter, which did not resolve the issue. I contacted DISCOVER today via phone was transferred to a voicemail loop that the 'dispute escalations team manager was unavailable '. The dispute representative I spoke with indicated that someone who handled the dispute previously took some type of adverse action and closed the dispute without proper processing, hence the transfer for supervisor.

Gist of dispute provided below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : Dispute of XXXX Transaction Account Ending in XXXX Transaction Date : XX/XX/year> Merchant : XXXX Reason for Dispute : Item Not Tenderable/ Failure to Provide Usable Tickets Date : [ Insert Todays Date ] Discover Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : I am writing in response to Discovers request for additional information regarding my dispute, as reflected in your letter dated XX/XX/year>. 

I am disputing the XXXX charge from XX/XX/year>, because the item purchasedevent ticketswas not tenderable and could not be used under any circumstances. The tickets sold to me were locked to XXXX XXXX XXXX and could neither be transferred to my own account nor redeemed for entry. At no time was my associate able to access, transfer, display, or use the tickets. Because of the merchants failure to deliver a functional and usable product, my associate was unable to use or attend the event, nor could the ticket be transferred for resale. 

On XX/XX/year>, at XXXX XXXX, I contacted XXXX customer support via their email ticketing system. I spoke with a representative named XXXX. Unfortunately, the representative had difficulty communicating in English and was unable to resolve the issue or provide any remedy. No solution was offered, and the merchant did not deliver a valid or usable ticket. 

from : XXXX XXXX ( XXXX Support ) XXXX reply-to : XXXX  Support XXXX to : XXXX XXXX date : XX/XX/year>, XXXX subject : Price Guarantee mailed-by : XXXX signed-by : XXXX security : Standard encryption ( XXXX  ) Learn more : Important according to XXXX XXXX. 

As a result, the product delivered was nonfunctional, non-transferable, and not in conformity with the sale, constituting a failure to provide the service promised at the time of purchase. I am requesting a full chargeback for the unusable goods. 

Please proceed with your investigation and feel free to contact me if additional information is needed. I am happy to provide the support ticket timestamp, screenshots, or any other documentation to assist. 

Sincerely, XXXX XXXX XXXX Account Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has failed to provide accurate documentation proving this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Since proper validation has not been provided, this account must be removed immediately. If not, I will proceed with filing a formal complaint and block action against 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 2025-11-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Dear XXXX  I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : bk of amer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also want to remind you of the following laws : - 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection activities until you have verified the information and provided me with a copy of the verification. I also want to clarify that my request for validation of the debt does not imply any admission of liability. It is my right to do so under the FDCPA, and failure to comply with this law may result in civil liability. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. You have reported inaccurate information that is detrimental to my credit score that I request to be removed, expeditiously. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2025-11-28 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: TX

Complaint narrative:
The accounts listed are not familiar to me and I didnt authorize them. Please review and take them off my report. Proof is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
The card was opened in XXXX to build credit, knowing it was a high interest card. The card has not been used in several years with the credit limit being {$800.00}. The account balance never goes down, due to the high interest, {$15.00} month fee, then a yearly fee of XXXX. I have called the account to prevent the yearly fee, however until it is paid the interest, and monthly fee will be charged I was due. I want to pay this account off, however I feel, that this is criminal for a company to charge these fees. I have been late on this card which will charge {$41.00}, however the few times that has happened I make the monthly payments and the balance is still {$1100.00}, and as I stated the card has not been used since XX/XX/XXXX and at that time the balance was {$740.00}. {$370.00} difference, worth of charges when monthly payments have been made every month ( maybe 5 times late since then ). I have closed the account as of today, XX/XX/XXXX. They should not be allowed to charge these fees. I have no problem paying my balance which I will intend to do till the balance is paid off. Since XXXX, the monthly fee went from {$10.00} to now {$15.00}, the annual fee, then the high interest on a card that has not even been used, and the balance just keeps going up.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XXXX, I identified an inaccurate entry on my credit report related to CREDIT COLLECTION XXXX  showing a balance of {$960.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. 

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. CREDIT COLLECTION XXXX  did not provide proper verification and did not respond to my request. 

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank has closed both of my Sam 's club credit cards due to nonpayments. This company calls my phone at a minimum 6 times a day every day and never leaves a voice mail. They have harassed me to the point where I don't even keep my ringer on anymore. I will be attaching my call logs. I have about 20+ more pages besides the ones I am attaching.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are multiple addresses on my credit report that Im not associated with.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are multiple addresses on my credit report that Im not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding repeated overdraft/NSF fee cycles on my Chase business account. Between XX/XX/year> and XX/XX/year>, I was charged approximately XXXX NSF fees in less than two weeks. These fees did not result from a single overdraft event. They occurred because Chase continued approving transactions into a negative balance instead of declining them, which caused fees to rapidly accumulate.

When the account became significantly negative, transactions stopped being approved. After I made a deposit that brought the balance to approximately {$220.00}, Chase resumed authorizing transactions, which exposed the account to another potential round of fees.

I understand how standard overdraft or NSF fees work. My concern is the pattern of approvals into a negative balance that created excessive fees in a short period of time. This was a system-driven authorization issue, not a single customer mistake.

I visited a Chase branch on XX/XX/year>. The representative reversed 3 fees but said this was the maximum he could process in the branch. He also canceled the debit card on the account. He then suggested to contact customer service and request to speak to a supervisor. I then contacted Chase customer support and specifically asked to speak to a supervisor. I was told a request to reverse 6 fees was submitted and then declined. When I asked for a written denial, I was told they could not provide one.

Chase customer support could not provide an email for the Executive Office. Instead, they provided a mailing address and instructed me to submit my complaint by physical mail.

At this time, the account remains negative ( until client payments start rolling in at the beginning of XXXX, and new transactions have begun processing again after my recent deposit. Based on the prior pattern, there is a clear risk that additional fees will be assessed as the balance drops further due to the transactions they are approving.

Requested resolution : Full reversal of all NSF/overdraft fees charged from XX/XX/year> onward Permanent opt-out of overdraft and NSF services so that all transaction types are declined when insufficient funds are available Written confirmation of the opt-out status and how it is applied to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
You are just a consumer that is trying to fix your credit. Below are the accounts in dispute separated by each bureau : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$290.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} XXXX, XXXX, XX/XX/XXXX, {$16000.00} LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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