vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
XXXX has out of compliance with federal, state and consumer right laws and regulations. They have not completed a thorough investigation to ensure my loan did not fall under their predatory lending lawsuit or Covid hardship laws. They have not sent verification requirements Under FCRA they have at best done a sham investigation the several times I have disputed the accuracy of this account. I want the CFPB to hold them to comply with all laws and furnish accurate and original documentation for the information reported to credit agencies or delete this account completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
Needs to be removed from credit report I have the documents from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE 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 non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In the paperwork ( bank statements and transactions ) that I have received from BOA stating that my XXXX benefits had ceased in XXXX is not accurate my benefits did not end until 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: NY

Complaint narrative:
I recently received XXXX different debt collection notices attempting to collect the same alleged XXXX XXXX Bank debt. The first letter was from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, with a balance of {$5700.00} and reference number XXXX. The second letter came from Credit Control , LLC dated XX/XX/year>, showing the same alleged balance but with different account details and a different reference number. 

These XXXX XXXX are reporting inconsistent, duplicate, and unverified information. I disputed the debt and requested validation, but neither collector has provided any legally required documentation such as a signed agreement, itemized statements, proof of ownership, or a full accounting. Reporting or attempting to collect an unverified debt violates FDCPA 15 U.S.C. 1692g ( b ), and furnishing inaccurate or inconsistent data violates FCRA 609, 611, and 623 ( a ). 

Because the debt has not been validated and the information provided is inconsistent and potentially inaccurate, I am requesting CFPB assistance in addressing this issue and stopping any further reporting or collection activity until proper validation is provided.

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 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am filing a complaint against OneMain Financial regarding a secured consumer loan I obtained in XX/XX/year>. The loan amount was {$12000.00}, but OneMain financed more than {$4000.00} in additional add-on products, including GAP insurance, credit life insurance, and other non-credit insurance products. These products were not properly disclosed, were presented as required, and were not explained as optional. This matches the CFPBs prior enforcement action against OneMain for deceptive add-on practices. 
Because of these products and excessive fees, my amount financed increased to {$15000.00}, and the total finance charge to {$18000.00} with an APR of 35.99 %. This has resulted in an unaffordable and rapidly increasing balance. The loan accrues daily interest, and after falling behind, my balance increased to {$16000.00}. 
I dispute the accuracy of the loan balance, the proper disclosure of the APR and finance charges, and the legality of the add-ons under TILA and the Consumer Financial Protection Act. I was not informed of my right to decline these products. 
I am requesting that the CFPB require OneMain Financial to provide a full itemized accounting, refund all unearned add-on premiums, correct the loan balance, and investigate whether deceptive practices occurred as prohibited by federal law and consistent with the CFPBs previous action against OneMain. 
I also request suspension of negative credit reporting during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Was at XXXX, loaded {$50.00} on card, then could not purchase anything after this. Called company and was questioned to death with laughter in back ground by XXXX. Was in line too long so I told them to send {$50.00} to address on file, and that I didnt want to do anymore business with them. Sent complaint to CEO XXXX and still no money returned. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to request an investigation into the inaccurate information being reported on my credit file regarding an alleged repossession linked to account number XXXX. The information shown does not match my records, and I believe it may have been reported in error or without proper verification. Please conduct a detailed investigation and validate all information associated with this account, including the balance, status, and any claim of repossession. If the furnisher can not provide complete and accurate documentation confirming its validity, I request that this account be corrected or removed from my credit report as required by law. Thank you for your prompt attention to this matter.

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 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XX/XX/year>, my PayPal was hacked. Someone changed the name, type of account, contact info, and added another bank account. They withdrew money from my bank account through PayPal and deposited it in the bank account that they added to my account. I caught this after they stole {$590.00}. I contacted PayPal that this was fraud. They told me they couldnt do anything and to take it up with my bank, XXXX. XXXX filed a dispute and determined it to be fraud and refunded me the {$590.00}. I promptly closed the PayPal account because I didnt plan to use it anymore and I didnt want any more fraud to occur. around XX/XX/year>, I started getting texts about a collections account. I thought it was fraud and blocked and ignored them. I got a document in the mail stating XXXX XXXX was in charge of collecting this debt and I went to dispute it but it was after the date on their mailing. Neither PayPal or XXXX XXXX could help me claiming it was out of their hands. In XXXX, I contacted an attorney who wrote a letter to XXXX XXXX to stop contacting me since this was fraud. The attorney said they should respond within 30 days. By 45 days, in XXXX, there was no response from XXXX XXXX. The attorney said to submit a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a collection account ( Account XXXX for {$240.00} ) on my credit report even though I have never received a written 30-daXXXX validation notice, no initial communication, no bill, no itemized statement, no proof of ownership, and no documentation linking me to this alleged debt. I have requested written validation multiple times, and it has now been well over 90 days, yet Jefferson Capital has not provided one legally sufficient document. Under FDCPA 1692g ( a ), Jefferson Capital was required to send written notice within five days of first contact, and under 1692g ( b ) they are required to stop all collection activity until proper validation is provided, but they continue furnishing this account to the credit bureaus without providing validation. Under FCRA 602, 611, and 623, Jefferson Capital can not furnish unverified, inaccurate, or unvalidated information, and XXXX reporting standards require full documentation including accurate account classification, date of first delinquency ( DOFD ), itemized balance history, and proof of legal ownership before an account can be furnished or verified. I know my rights, and I know what is legally required to validate a debt : the original signed contract, the full account history, itemized accounting, DOFD, proof of assignment, and the chain of title showing Jefferson Capital legally owns the debt and has the authority to report or collect it. Jefferson Capital has provided none of this. I am also aware of Jefferson Capital Systems long history of consumer complaints, lawsuits, and federal enforcement actions involving inaccurate reporting, failure to validate, and deceptive collection practices, and what they are doing on my file is entirely consistent with those documented patterns. Jefferson Capital is reporting an unverified, unvalidated, and legally unsupported collection account in violation of FCRA, FDCPA, and XXXX rules, and I am prepared to pursue formal legal action if they continue furnishing this account without producing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I paid a Synchrony Lowes account that had been placed with XXXX XXXX XXXX for collections. I paid XXXX via ACH on XX/XX/XXXX, and XXXX issued a Paid-In-Full Settlement Letter on XX/XX/XXXX confirming the account was settled. 

Despite this, Synchrony states that the account is not paid. Synchrony representatives told me they did not authorize any collection activity under this account number, but also confirmed I have only one Lowes account. This indicates an internal account-number mismatch at Synchrony between the charge-off account ID assigned to XXXX and the consumer-facing account number on my statements. 

I have attempted to resolve this with Synchrony, but they will not transfer me to the appropriate internal department ( Recovery / Charge-Off Reconciliation ), and customer service can not access the remittance files needed to resolve the issue. XXXX has not responded to my request for remittance details. 

I am requesting that Synchrony : Review XXXX  remittance file from late XX/XX/XXXX Identify the internal account number assigned to XXXX  XXXX  the remittance with my account ending in XXXX Update the account to Settled/Paid Cease all collection and negative credit reporting during investigation Evidence attached : XXXX Settlement Letter ( XX/XX/XXXX ) ACH proof of payment ( XX/XX/XXXX ) XX/XX/XXXX Synchrony statement I need the XXXX assistance to get Synchrony to perform the internal reconciliation they are required to complete. 

XXXX. My address has recently changed. 

My current address is : XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX My previous address, which appears on XXXX  settlement letter, is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX I sold the XXXX XXXX property very recently, but both addresses are valid and connected to me. 

Because of this, any discrepancy in the addresses used by Synchrony or XXXX should not be interpreted as fraud or misidentification. 

XXXX. My business name appears on XXXX  letter but not on my Synchrony/Lowes statement . 

I own a business called XXXX XXXX, which is included in the address block on XXXX  settlement letter. 

The Lowes/Synchrony account is a personal account under my name, so the business name will not appear on the Synchrony statement. 

The inclusion of my business name on XXXX letter does not indicate a different account it is simply part of my valid mailing information and is commonly included in my correspondence. 

These address differences and the presence/absence of my business name do not reflect any fraud, third-party error, or unauthorized account activity. 
The underlying issue remains Synchronys internal account-number mismatch between the charge-off account provided to XXXX and the consumer-facing Lowes account number shown on my statements.

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 2025-11-27 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260000.00} Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late 180 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : Late 30 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Late 60 Days XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : $ XXXX 30 Days XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late 60 Days

Company response to consumer: Closed with non-monetary relief