vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am formally disputing the SYNCB/XXXX account appearing on my credit report with the last digits XXXX XXXX XXXX XXXXXXXX. The reporting of this account is both inaccurate and outdated on multiple levels : Opening date inconsistencies exist between XXXX  ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) The last reported dates ( XX/XX/XXXX on XXXX  and XX/XX/XXXX on XXXX  ) are conflicting and indicate the account has not been updated in years The account is reported as a charge-off/collection, yet it appears dormant and unverifiable at this point This type of reporting violates the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), which limits how long negative credit data can be reported. More importantly, the data is inconsistent, outdated, and unverifiable qualifying it for immediate removal.

As a result, I am requesting that this account be deleted from my credit report across all credit bureaus. If this account is removed within the appropriate timeframe, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for FCRA non-compliance and continued reporting of inaccurate information. Its unverifiable and potentially erroneous.

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 2025-08-06 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:
These are fraudulent accounts and not mine ; please delete them from my credit report within 15 days per USC 1681g.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover refuses to work with me on a reasonable settlement, despite serious medical and employment hardship. I am attempting to settle in good faith with funds I can only access temporarily, but they will only discuss payment plans. I am trying to resolve this account before it becomes delinquent to avoid further credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-06 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-06 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: MS

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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have a loan with OneMain Financial, and they are refusing to remove the extra products from my account. I have explained to them multiple times in the months of XXXX and XXXX that I didn't need the extra products on my loan, except Gap insurance. The two other products, Single Life Insurance and Unemployment Insurance were no longer necessary. 

Every representative I've spoken to so far has refused to remove the products. Because the products weren't removed, I wasn't able to make payments on time and now they've negatively impacted my credit rating because of a 30-day past due balance even though I made a payment on XX/XX/year> for {$250.00}. 

Today ( XX/XX/year> ) I tried calling them again and they still refuse to remove the products from my account or remove the negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
RE : Formal Dispute of Inaccurate 90-Day Late Payment Reporting Request for Correction To Whom It May Concern, I am writing to formally dispute the reporting of a 90-day late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Error : XX/XX/year> - 90-Day Late Payment This loan was previously under administrative forbearance during the federal student loan payment pause, and I was under the good faith belief that it remained in deferment or forbearance status at the time the reported late payment occurred. 
I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred. 
Up until this error my Credit Report has shown On Time payment, even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in XX/XX/year>. Logically, if I was truly 90 days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately.

I am requesting that the 90-day late payment notation for XX/XX/year> be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting.

Please conduct a reasonable investigation into this matter. If the furnisher can not verify that I was properly notified of due dates and delinquency, and if the timeline of late payments can not be supported by factual documentation, the derogatory mark must be corrected or deleted.

Please provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE XXXX, CAPITAL ONE XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The company is attempting to collect a {$1500.00} debt and claims to have sent validation. However, the only document they provided was a billing statement from XXXX XXXX  XXXX XX/XX/year>, showing a balance of {$1000.00} not {$1500.00}. 

The statement did not include any signed contract, agreement, or proof that I authorized the charges. This is not valid verification under the Fair Debt Collection Practices Act ( FDCPA ). 

Even more concerning, the statement listed an address that is not mine and has never been mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I do not and have never lived at that address. 

This raises concerns of mistaken identity or potential fraud. Reporting or attempting to collect based on incorrect information is a violation of both the FDCPA and Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be permanently removed from all credit reports and that the company cease all collection efforts 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 2025-08-06 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: FL

Complaint narrative:
I feel completely overwhelmed. There are accounts on my credit report that I did not open and have nothing to do with. Someone stole my identity, and now I feel helpless and scared. This is affecting my life and my peace of mind. Please block these fraudulent accounts and help me fix my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Weve received these inquiries without advance notice. Their legitimacy is in question inspect the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Dear XXXX  I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XXXX XXXX XXXX bk of amer 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 non-monetary relief
Consumer complaint received 2025-08-06 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:
regarding the reinsertion of a previously blocked or removed item on my credit report. This item was reinserted without the required written notice within five business days, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

I did not receive any mailed or written notice informing me of the reinsertion. The law requires Experian to notify me in writing within five business days of reinserting any previously deleted information. Because this step was not taken,

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
We have historically used PayPal to receive payments through our online store, and until recently, it functioned without issue.

However, earlier this week, PayPal unexpectedly restricted our ability to withdraw funds from our account- with no prior warning. Despite this, PayPal has continued to accept payments from our customers and is now withholding those funds from us. As of today, our account balance sits at {$5800.00}, which we are unable to access.

PayPal is now demanding documentation proving that we purchased the products we sold. Meeting this requirement would force us to disclose manufacturer invoices that contain sensitive pricing information. Additionally, PayPal is requiring that the name on those invoices match the name on our Pay
Pal account. Unfortunately, PayPals system never allowed us to list our business name on the account- it required a first and last name instead - so the account is under my personal name rather than our companys.

On top of this, PayPal is also requiring a letter from the XXXX  Secretary of State verifying our status as a registered business. While we do have such documentation, PayPal is insisting the letter be no more than six months old. We have submitted a request to the Secretary of State for an updated letter, but they have advised that it may take up to a week to receive a response.

In short, we are facing a significant and unnecessary barrier to accessing funds that rightfully belong to us and should have been deposited into our bank account over a week ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, a now ex-friend of mine and myself went into a XXXX on XXXX We put in a total of {$770000.00} into this XXXX and my friend assured me we were going to make money. After the XXXX was over, which was 20 days, we needed to put in additional funds for minor fees, which were 10 % of {>= $1,000,000} and then had to pay a large withdrawal fee of {$43000.00}. The XXXX was funded by various funds of mine, retirement, savings, and gold and my friend funded their part with cashing in various crypto currencies and borrowing money from friends and family. In XX/XX/year>, my friend my friend said they wouldn't be able to pay the large withdrawal fees and I am out of funds. In doing more research, I found that aioptionstradings.com is fake and I have a lawyer to help me recover my funds. I have not heard from my friend since XX/XX/year>. These funds were funded through XXXX XXXX and XXXX. The funds went to a XXXX XXXX in XXXX and then sent to XXXX. I have been pig buttered and the online chat for XXXX  is saying I need to pay more to get my funds out. My lawsuit is for {$430000.00}. My lawyer is : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX E-mail : XXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
I sold my XXXX XXXX XXXX XXXX XXXX. I originally had the loan through Huntington Bank. When the loan was paid off on XXXX XX/XX/XXXX, the bank mailed me a Lien Payoff Letter and informed me that they would be mailing a copy of the letter as well as a XXXX so that the new bank ( XXXX XXXX XXXX ) could get the title released from the state of Georgia and then get the title placed in the name of the person that bought the boat. On XXXX XX/XX/XXXX, I contacted the bank again as XXXX still hadn't received any paperwork from Huntington Bank. I asked Huntington Bank if they could send me a scanned copy of the documents so that I could send to Georgia directly to get the lien released, which they did. The State of Georgia then notified me that the Hull Identification Number ( HIN ) on the paper work was incorrect. This notification happened on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I called Huntington Bank to verify the HIN and they confirmed that they messed up the paperwork and started the process to re-issue the Lien Payoff Letter and XXXX and told me that it would take 7-10 days. I received a Lien Payoff Letter on XXXX XX/XX/XXXX, but no XXXX. On XXXX XX/XX/XXXX, I called Huntington Bank again and asked for the XXXX to be sent to me via email so that I could get the title released. On XXXX XX/XX/XXXX, I received an email from Huntington Bank that they attempted to contact me about the XXXX XX/XX/XXXX call so I called them back. I was informed that the XXXX was still not completed and that it would take another 7-10 days to process. It has now been over 2 months and the bank has yet to provide the correct paperwork to release the lien on the title despite multiple phone calls and attempts to get it done. I have attached the letters with the incorrect HIN. The HIN that they have on file is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
15 USC 1692C I'm refusing to pay the debt and they must cease all communication with me. 
XX/XX/year> {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a U.S. Treasury check of {$44000.00} into my truist bank account on the XXXX of XX/XX/year> [ over two months ago ] Since then, my bank has failed to release the funds. Ive contacted the IRS, who confirmed that the check is legitimate and has already been cashed by the bank. 

Despite this, the bank continues to delay releasing the funds and has provided no clear reason or timeline for resolution. Ive attempted multiple times to get a response and clarification from the bank, but each time Ive received vague or unhelpful answers, or no response at all. 

This delay has caused me serious financial hardship and unnecessary stress. Given that the IRS confirmed the check was already processed by the bank, I believe the bank is unlawfully withholding my money. 

I am requesting the CFPBs assistance in investigating this matter and compelling the bank to immediately release my funds and provide a written explanation for the delay.

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 2025-08-06 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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