vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Central Research Inc
State: CO

Complaint narrative:
RE : FAILURE TO COMPLY WITH CREDIT BUREAU REINVESTIGATION RESULTS Reference Previous Complaint ID : XXXX I am filing this new complaint because Central Research , Inc. ( CRI ) has failed to implement the system corrections promised in their response to my previous complaint ( XXXX ) and is now in direct violation of the findings of a recent credit bureau reinvestigation. 

New Evidence of Non-Compliance : Binding Reinvestigation Results : On XX/XX/XXXX, a credit bureau reinvestigation ( attached ) officially cleared my 90-day delinquency and updated my account status to " Current '' and " Student Loan - Payment Deferred. '' Continued Servicer Error : Despite the credit bureaus findings, CRIs internal portal as of XX/XX/XXXX ( screenshot attached ) shows a " Past Due '' amount of {$150.00} and lists the account as " In Repayment. '' Repeated XXXX XXXX : CRI continues to ignore the binding XX/XX/XXXX deferment date transferred from XXXX. By failing to sync their internal records with the credit bureau 's correction, CRI is actively generating new, fraudulent delinquencies. 

Required Resolution : I demand that XXXX immediately : Place the account into XXXX XXXX to stop all erroneous billing cycles while this data integrity failure is resolved. 

XXXX the original XX/XX/XXXX deferment date as established by XXXX. 

Synchronize internal records with the XX/XX/XXXX Credit Bureau XXXX to reflect a " XXXX '' and " Deferred '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I used CareCredit ( issued by Synchrony Bank ) for a purchase that was presented to me as 0 % interest for 18 months promotional financing.

At the time of application and purchase, I was not clearly and conspicuously informed that this was a deferred-interest plan where interest would be calculated from the date of purchase and retroactively added if the balance was not paid in full by the end of the promotional period.

This financing was presented in the same manner as standard 0 % APR promotional credit cards, where interest begins only after the promotional period ends.

Synchrony has now added a large retroactive interest charge to my account that I did not expect and that was not clearly disclosed at the point of sale.

I contacted Synchrony to request documentation showing that the deferred-interest structure and retroactive interest accrual were clearly and conspicuously disclosed at the point of sale. They stated that they would need up to 30 days to retrieve a receipt and could not immediately provide documentation.

I am requesting a full reversal of the retroactive interest based on lack of clear and conspicuous disclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, my federal tax refund was deposited into my Cash App account. On the same day, the full amount was withdrawn without my authorization. 

I did not initiate, approve, or benefit from this transaction, and I did not share my PIN, password, or device access with anyone. 

I disputed this with Cash App. Despite acknowledging the unauthorized nature initially, Cash App closed my complaint without reimbursement and without providing sufficient documentation of how the transaction was authorized. 

I am requesting reimbursement for the unauthorized electronic funds transfer and written documentation of Cash Apps investigation and findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Healthcare Finance Direct LLC.
State: IN

Complaint narrative:
I called hfd XX/XX/25 they took money out my account without my permission. XX/XX/25 they took {$92.00}. I called and asked for a refund since I did not consent to it and I no longer want to pay it and dont go to anything they offer. I talked to them again and let them know I will be disputing it the lady called me back and said she wasnt approving it. I called my bank and disputed it. They call me almost every day and keep emailing threatening to give my debt to a third party company. They are harassing me daily after I communicated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : CITIbank Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CITIBank officials, Ref : Request to cancel my credit card and close my account immediately. 
Card numbers ending XXXX ( and my wife XXXX XXXX ending XXXX ) We have not been using the above cards for years. But someone is billing us and we do not know how to cancel their services. We have called CITI office to cancel the cards and close the account permanently. When I called a few weeks ago, CITI staff said that they had closed the account, but we are still being asked to pay some bills. We are not getting any statements in the mail or emails. We are just getting calls and text messages to pay the bill. 
We have called CITI cards office more than once, they are not helping us. They send us new cards but refuse to close the account. 
I have attached my official name change document and a copy of my drivers license. 

Please cancel the cards and close our account permanently. We promise to pay whatever balance we owe. 

Sincerely, XXXX XXXX XXXX : attached official name change document and a copy of my drivers license.

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 2025-12-27 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: FL

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, these items appear to be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue ; however, the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened, furnished, or reported without my authorization. These items are inaccurate, unverifiable, and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively impacted my ability to achieve important financial goals, including securing housing and supporting my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Greetings, I would like to report the recipient below transaction for using Friends and Family payment option for business transaction. 

I did not receive the purchased service. I believe I was scammed by requesting payment through Friends and Family. I contacted the recipient several times but to no avail. 

I realize I am not covered by PayPal refund policy however I want to ensure this recipients account would be flagged for PayPal policy violation. 


XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX Hello, XXXX XXXX PayPal Your payment details Transaction ID XXXX Transaction Date XX/XX/year> Sender XXXX XXXX XXXX Recipient XXXX XXXX XXXX Funds will be available to your recipient on or before : XX/XX/year> Description Amount Payment amount ( in currency funded ) XXXX XXXX  Your fee XXXX XXXX  Your total charge XXXX XXXX  Conversion rate XXXX XXXX  = XXXX XXXX  Payment amount ( in currency received ) XXXX XXXX  Cancellations Rights Statement You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you may not be able to cancel your payment for a full refund once the payment is made. To determine whether your payment is eligible for cancellation, log in to PayPal.com, select the transaction in your transaction details, and select Cancel, or call PayPal Customer Service at XXXX XXXX. 

Disputes Rights and Complaints Statements About Disputes If this payment is for an item you purchased but havent received, or its not as described, your purchase may be covered under PayPal, Inc.s purchase protection. In those cases, you can file a dispute in the Resolution Center within 180 days of payment. Just log in to your PayPal account at www.paypal.com and go to the Resolution Center or call Customer Service at XXXX. 

You have a right to dispute errors in your transaction. If you think there is an error, such as a payment that was never received or that was processed for the wrong amount, contact Customer Service at XXXX within 180 days. You can also contact us for a written explanation of your rights. 

If you dont recognize this payment or want to report it as unauthorized, you should contact the Resolution Center at XXXX or call Customer Service at the number above.

For questions or complaints about PayPal, you can contact these agencies : Department of Banking and Finance XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) www.consumerfinance.gov PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal XXXXs committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I disputed multiple accounts on my credit report that resulted from identity theft. I submitted official FTC Identity Theft Reports dated XX/XX/year>, identifying these accounts as fraudulent. 

Equifax completed reinvestigations and issued dispute results stating that multiple disputed accounts were verified, verified as reported, or verified that this item belongs to you. However, Equifax did not provide a description of the procedures used to determine the accuracy and completeness of the disputed information. 

The dispute results contain only generalized statements indicating that Equifax contacted the companies reporting the information and that those companies certified the accounts. No explanation was provided describing how accuracy or completeness was evaluated, what steps were taken, or how the submitted FTC Identity Theft Reports were considered. 

Equifaxs own dispute results state that a consumer may request a description of how the reinvestigation was conducted, which confirms that no such description was provided with the verification results. As a result, accounts identified in sworn FTC Identity Theft Reports remain reported as verified without transparency into the reinvestigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I deposited a check into my PNC Bank Account. I told them about the large deposit that was coming and the branch manager indicated it may be a 5 day hold. after 2 weeks, the funds still had not cleared and I was told by a XXXX ( XXXX  ) at phone number XXXX, that the funds could not be verified and would be returned to the issuing bank. They then made me close my account. It has been 8 weeks since my deposit and I have not received my funds. 

PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
b'I am a recipient of SSI ($XXXX/month) and am currently judgment-proof. I am acting in good faith to resolve this debt. On XXXX XXXX XXXX, I sent a formal $XXXX  settlement offer and a request for debt validation via Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX).\n\nMy records show this was delivered to the XXXX, SC office and signed for by XXXX XXXX on XXXX XXXX XXXX. Despite my requested response deadline of XXXX XXXX the company has failed to provide any written response or acknowledgment. They continue to report this debt negatively on my credit reports while ignoring my attempts to settle this matter with my limited protected income'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: KY

Complaint narrative:
On XX/XX/XXXX and subsequent days listed via email XXXX agreed to a buyout to mitigate costs and XXXX out my remaining balance. My bill was paid for in XXXX on time as well so I am not sure why the report starts in XX/XX/XXXX for some.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I discovered a fraudulent Affirm account opened in my name without my knowledge or consent. I became aware of the account on XXXX after receiving text messages stating I was behind on payments. I did not apply for this account, authorize any loans, or receive any goods, services, or funds.

I reported this to Affirm on XXXX and provided evidence that I did not authorize the account. Despite this, Affirm concluded that I am responsible for the fraudulent loans listed in the account. I have not received any goods, services, or benefit from these loans. 

I am requesting that Affirm remove the fraudulent account, correct any credit reporting, and confirm in writing that I am not responsible for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ).

Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ). 

I am disputing the validity of the alleged debt of an account claimed to have been related to XXXX XXXX and now in collection by Firstsource Advantage LLC. To date, you have yet to provide a wet signature, identity verification or any legally binding documentation that you are able to provide to verify the claim that this alleged debt is now owed to Firstsource Advantage LLC.. Lacking such documentation, this debt remains unverified and the collection efforts continue to be in violation of my rights Now, as stated above, prior debt validation verification, I am requesting full and complete debt validation relating to the alleged debt in question, directing your attention to Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). This includes but is not limited to, the verification and production of all documents, including a wet signature, to support your claim that this alleged debt is valid and to support proof that I owe this alleged debt. Claims of false, deceptive or misleading representations in violating FDCPA 1692e are strictly prohibited in the collection of this alleged debt. This includes but is not limited to 1692c where communication in any form of harassment and abuse are strictly forbidden.

My credit history and score are protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681b and 1681s-2, against unauthorized access and reporting. Under 1681b and 1681s-2, my permission must first be obtained before you can access my credit report or related information. Specific to my account and your obligations towards it, under the FCRA, you can not furnish inaccurate or unverifiable information to any consumer reporting agency ( CRA ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX Capitals handling of my disputed auto loan account ending in XXXX. 

I submitted multiple written disputes requesting lawful validation of the alleged debt, including proof of ownership, chain of title, and confirmation or denial of any sale, transfer, assignment, or securitization of the account. XXXX XXXX responded only by providing a copy of the retail installment contract and asserting that the contract validated the debt. 

XXXX XXXX did not provide proof that it is the current owner or holder of the alleged obligation. It did not provide any bill of sale, assignment, chain of title, or sworn affidavit establishing standing. It also failed to confirm or deny whether the account was sold, transferred, pledged, or securitized, despite those issues being specifically raised in my disputes. 

On XX/XX/year>, XXXX XXXX acknowledged receipt of a cease and desist request that I never initiated. On XX/XX/year>, XXXX XXXX stated that the matter was closed without addressing the substance of my dispute. Despite unresolved disputes and the absence of ownership verification, XXXX XXXX continues to furnish information about this account to consumer reporting agencies. 

Furnishing disputed information without conducting a reasonable investigation or substantiating ownership raises concerns under the Fair Credit Reporting Act. Representing a contractual obligation without demonstrating current legal standing is misleading and unfair to consumers.

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