vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
I disputed an account from Prestige Financial Services that is inaccurately reported on my XXXX  credit file. The account was a voluntary repossession, yet XXXX  is reporting it as a charge-off with a large past-due balance and no mention of the voluntary surrender. 

When I submitted a dispute, XXXX  stated the account was " updated '', but their own reinvestigation summary shows that the item " remains '' which is contradictory and misleading. This is a procedural violation under FCRA 611 ( a ) as they failed to clarify or verify what exactly was updated. 

I also submitted a signed dispute letter and requested verification of how the past due amount was calculated following the repossession and sale of the vehicle. XXXX  has not provided any documentation and continues to report this inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Re : Request for Debt Validation Account Number : XXXX Dear Hayt, Hayt & Landau, P.L., This letter is being sent to you in response to a collection notice received on XX/XX/scrub>XXXX XXXX Please be advised that this is not a refusal to pay, but a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). 

I am requesting that you provide proper documentation to validate the debt, including : The name and address of the original creditor. 

The amount of the debt and a detailed breakdown ( principal, interest, fees, etc. ). 

Proof that you are legally authorized to collect on this debt. 

A copy of the original signed agreement or contract bearing my signature ( if applicable ). 

Any judgment ( if applicable ). 

Please cease all collection activities, including reporting this account to any credit reporting agencies, until the requested validation has been provided. 

If you can not provide the requested validation, you are required to stop collection efforts and remove any negative information from my credit report ( s ).

Be advised that any further collection activity without validation of this debt is a violation of the FDCPA and my rights, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please respond in writing within 30 days of receipt of this letter. 

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 2025-06-07 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: Maximus Federal Services, Inc.
State: MT

Complaint narrative:
I have made three payments totaling {$250.00} to the U.S. Dept of Education ( Debt Resolution Group ) in XXXX, XXXX, and XX/XX/XXXX to repay my defaulted student loans. Despite sending proof of these payments multiple times, they have not been credited to my loan balances. My consolidation and IDR applications have also been stuck in review for over 2 months, with no updates and no final resolution. 
I filed a CFPB complaint in XX/XX/XXXX. XXXX final response said they confirmed my {$100.00} and {$32.00} payments but that the Debt Resolution Group is responsible for the balance and default status. I sent a demand letter through myeddebt.ed.gov demanding my payments be applied, accurate interest calculated, and my loans removed from collections. They have not replied to me, and I have not received any updates. 
I also filed a complaint with the Montana State Attorney General and submitted a case to the Federal Student Aid Ombudsman. 
I have done everything correctly but can not get anyone to fix the issue. My loan balances continue to grow every day because interest is still being charged, even though my payments are not being applied. Because of the systems delays and refusal to apply my payments, I am stuck with a growing debt that I can never resolve. 
I am demanding that my {$250.00} in payments be credited immediately, that all interest growth from the date of my first payment in XX/XX/XXXX be stopped until my loans are corrected, and that my loans be removed from collections so I can pay the true owner directly and not the collection group. This situation has left me without closure and in permanent financial limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I purchased something on XXXX using the coinbase card. I returned the item that I purchased and was waiting on the refund to reflect back as available on my coinbase card account and after speaking with XXXX was told my coinbase card payment method keeps rejecting their attempts to refund me the money. I got in touch with coinbase of course and the agent explained that they do not accept refunds when it is refunded by the merchant in the form of I believe a credit voucher? The agent said XXXXXXXX XXXX does not accept refunds when it is in the form of a credit voucher and so she basically assigned me the work of calling XXXX ( again ) and tell them to refund me the money another way to the coinbase card but she had XXXX information on what other forms of refund there is. So now I'm stuck as a card holder of the coinbase card but having XXXX experience in anything financial in banking and that sort of thing so I can't believe I don't have my own money back because of some ridiculous, never heard before, rule with coinbase and " allowing '' or " rejecting '' a refund. Again.. They are " rejecting '' my OWN money???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank ( XXXX XXXX XXXX  ) refuses to remove {$1100.00} from their database, which was initially charged for XXXX XXXX. I did a debt consolidation loan from XXXX XXXX. I consolidated XXXX accounts that Synchrony Bank finances : XXXX XXXX XXXX XXXX XXXX, and XXXX 's. The loan amount for XXXX XXXX was {$1100.00}. Synchrony Bank applied that amount to XXXX XXXX XXXX as a purchase. When I called for them to correct the error, they refused.

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 2025-06-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please update my balance to {$0.00} as it is an actual balance. The card is completely paid off. Plese update this information on 3 major credit bureaus. Thank you! Screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Affirm calls me multiple times a day with different numbers and spoofing numbers with my area code

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

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 LIST OF ACCOUNTS & ACCOUNT NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my credit report in XX/XX/year> and noticed that some of the information listed was incomplete and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), under XXXX5 USC 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information it reports about a consumer.

Additionally, under 15 USC 1681i ( a ) ( 5 ), if an item of information is disputed and, after reinvestigation, is found to be inaccurate, incomplete, or unverifiable, the credit bureau is required to : ( i ) promptly delete or modify that item as appropriate, and ( ii ) promptly notify the furnisher of the change. 
Furthermore, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), a data furnisher must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

PLEASE CORRECT MY REPORT BY DELETING ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

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 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
There were five unauthorized debit transactions ( totalling almost {$12000.00} ). I reported these to Key Bank but they will not give me provisional credit. These transactions were on my primary business account and actually over-drafted it. I have heard nothing from Key Bank. I have called to follow up two times and am only told the " investigation is ongoing '' and that they " have up to 90 days ''. 

All the transactions happened on or around XX/XX/year> : XXXX XXXX {$2600.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX XXXX  {$2400.00} After I disputed the transactions with Key Bank, I called all the companies listed except XXXX. Not a single one offered to look into the transactions and they all refused to give me any information. 

This has crippled my business and I had to take out a loan to cover my immediate needs. Because Key Bank will not offer provisional credit, this whole thing will cost between {$2800.00} and {$3200.00} because of late payments and the cost of getting a rapid POS loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Complaint Summary : I am submitting this complaint against TransUnion for inaccurately reporting a collection account that Experian has already removed from my credit report due to its inaccuracy. Despite Experian 's removal of this account, TransUnion continues to report it, which is adversely affecting my credit profile. 

Details of the Disputed Account Creditor : XXXX XXXX Original Creditor : XXXX Account Type : Collection Account Number : XXXX * * * * Balance : {$110.00} Date Opened : Reported by TransUnion as XX/XX/XXXX Account Status : Derogatory, Collection/Chargeoff Last Reported Date : XX/XX/XXXX Background and Context Experian previously reported this account but has since removed it after determining it was inaccurate. 

TransUnion continues to report this account despite the inaccuracies and Experian 's removal. 

I have disputed this account with TransUnion, but the inaccurate information remains. 

Relevant Laws and Violations Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion is required to ensure maximum possible accuracy of the information it reports.

Under 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate or unverifiable information.

Requested Resolution Immediate deletion of the inaccurate collection account from my TransUnion credit report, consistent with XXXX 's removal.

A full explanation of the investigation process TransUnion conducted regarding this account.

Assurance that TransUnion will comply with FCRA requirements in future reporting and dispute investigations.

Conclusion TransUnion 's continued reporting of this inaccurate collection account violates the FCRA 's accuracy and reinvestigation requirements. I respectfully request the CFPB to investigate this matter and require TransUnion to remove the inaccurate information from my credit report.

Thank you for your attention to this complaint.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I used membership reward points from American Express to book flights from XXXX. However, tickets were not issued properly and seats can not be selected. I had to pay XXXX XXXX {$100.00} rebooking fee to re-issue tickets directly from them. After a lengthy investigation, American Express determined its XXXX XXXX fault and wouldnt compensate me for the {$100.00} rebooking fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against Experian for reporting multiple inaccurate and non-compliant accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. These accounts contain reporting errors such as : Reaged dates of first delinquency ( DOFD ) Mixed statuses ( charge-off marked with a balance or collections with no open date ) Duplicate tradelines ( e.g., same XXXX XXXX debts reported twice with different collection agencies ) Invalid inquiries from unknown companies with no permissible purpose Accounts showing balances after being transferred or closed, violating Metro 2 closure codes I have already disputed these errors directly with Experian, and they failed to conduct a proper reinvestigation, violating FCRA 611 and Metro 2 compliance standards. 

These errors are damaging my credit profile and blocking access to essential financial services. All supporting documentation is attached.

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 2025-06-07 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: GA

Complaint narrative:
I am filing a complaint against Experian for reporting multiple inaccurate and non-compliant accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. These accounts contain reporting errors such as : Reaged dates of first delinquency ( DOFD ) Mixed statuses ( charge-off marked with a balance or collections with no open date ) Duplicate tradelines ( e.g., same XXXX XXXX debts reported twice with different collection agencies ) Invalid inquiries from unknown companies with no permissible purpose Accounts showing balances after being transferred or closed, violating Metro 2 closure codes I have already disputed these errors directly with Experian, and they failed to conduct a proper reinvestigation, violating FCRA 611 and Metro 2 compliance standards. 

These errors are damaging my credit profile and blocking access to essential financial services. All supporting documentation is attached.

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 2025-06-07 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: CA

Complaint narrative:
Since XXXX XXXX and I have both been calling and attempting to add my account o Experian. The other XXXX credit bureaus have done so, but Experian refuses and says they never recieved anything from XXXX. After months of reporting month to month still nothing. Please see attached letter from 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 2025-06-08 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: FL

Complaint narrative:
Every time I request for a verification of an account. It always comes back verified and updated with no proof of anything sent to me. 

I requested debt validation under 15 USC 1692gb within the 30-day period. The debt collector failed to provide proper verification. Despite this, Experian and Equifax continue to report the item. They are violating the Fair Credit Reporting Act ( FCRA ) by reporting unverified information. I am requesting immediate removal of this unvalidated debt from both credit reports. 

Accounts such as : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> mailed letter to XXXX XXXX XXXX advising I do not accept ownership of the debt. However, willing to compromise to clear credit. Original Creditor Synchrony Bank. I offered to do a pay to delete in the amount of {$120.00}. Advised I need letter confirming the offer within 15 days. No response from original creditor nor the collection agency.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX called me from the staples location saying she was closing my checking account and provided no reason. 


She said I would have full access to the account until XX/XX/XXXX I went in to the branch at XX/XX/XXXX withdrew XXXX and went back later to withdraw the rest of my funds to put in my other bank since frost was closing my account for no reason and wouldnt provide a reason and was very rude when I asked why. 


They refused to release any of my funds and were withholding my money from all my accounts and wouldnt tell me why. They were stealing my funds. 


I want my funds released to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: MS

Complaint narrative:
I am formally disputing the validity of my federal student loans due to an unauthorized disclosure and potential breach of my protected education records. 

Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, my education records including personal and financial information are protected from disclosure without my explicit consent. I have reason to believe my data was shared with unauthorized individuals, including XXXX XXXX, under actions taken during the Trump administration. This constitutes a serious breach of federal privacy law and my rights under FERPA. 

This violation compromises both my financial and personal security. As such, I am demanding immediate investigation into this breach and the full discharge and cancellation of my federal student loan debt as a remedy for the violation of my rights and the mishandling of my personal data. 

Please provide, in writing, a response detailing the actions your agency or servicer will take in response to this formal dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I was notified that the account was closed due to unusual activity, but I was never contacted beforehand or given a chance to verify or respond to any concerns. I had no missed payments, no suspicious transactions on my end, and I did not authorize any activity that could be considered fraudulent. 

This unexpected closure caused missed pyament but i was told i have 30 days to pay before reporting to credit buraeu

Company response to consumer: Closed with explanation