vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: CT

Complaint narrative:
I try send them a validation letter twice and no response and they are still trying to collect the debt and reporting it to the credit bureau. I dispute it and they denied it and still no validation from there part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Hello, On Wednesday, XX/XX/XXXX, I called to close my account. My request was approved. I withdrew most of the money on XXXX XXXX. I was charged a maintenance fee for having a low balance on XX/XX/XXXX. I was assured on XX/XX/XXXX that I would not be charged any fees for maintenance or closing my account. I tried contacting the bank XXXXwo times on XX/XX/XXXX. The wait time is 45 mins +. I was told they sent a request and are looking into it. I need the account to be closed and the {$10.00} to be given back. Since my balance is low, i.e. {$4.00} I am worried they will try to charge a maintenance fee again next month and won't close my account. I do not have any auto payments coming through as I cancelled all of the payments. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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:
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 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 2025-11-15 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:
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 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/year>, I was contacted by Jefferson Capital Systems regarding an alleged deficiency balance on a previously repossessed auto loan originally held by XXXX XXXX XXXX. 

This debt is invalid. XXXX XXXX auctioned my vehicle and received the full remaining balance through the sale proceeds. As a result, no deficiency balance existed, and the account should not have been sold or assigned to a debt buyer. 

On XX/XX/year>, I sent XXXX XXXX a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). They did not provide : The original contract The auction notice Proof of the auction sale price A complete accounting Evidence that XXXX transferred a valid balance Any supporting documentation whatsoever XXXX XXXX failed to respond within the FDCPA-required timeframe. 
However, the account appeared on my credit report and negatively affected my XXXX XXXX until recently. 

Approximately XXXX  days later ( on or around XX/XX/year> ), the collection account was removed from my credit report without explanation. This indicates the collector could not validate the debt, which confirms the debt was not legitimate. 

My concerns : XXXX XXXX appears to have sold or transferred a paid and closed account, which should not have been sold to any collector. 

XXXX XXXX reported or attempted to collect a false deficiency balance, violating the FDCPA and FCRA. 

The collector failed to provide validation and only removed the account after over XXXX  days had passed. 

I am requesting confirmation that this account will not be resold, reinserted on my credit report, or pursued by any other collector. 

I am seeking CFPB assistance to : Ensure this invalid debt is permanently closed Prevent re-reporting or re-selling Require XXXX and XXXX XXXX to correct their records Ensure no future collection attempts related to this account occur Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I joined the XXXX XXXX on XX/XX/year> and accepted three free training sessions, after which I could cancel at no charge. I did the three sessions. XX/XX/year>, XX/XX/year> and XX/XX/year>. I provided medical evidence as for the reason. On XX/XX/year> I noticed my XXXXXXXX XXXX XXXXXXXX charge card ( Synchrony ), was growing even though I pay my purchased every month. The increase was from XXXX XXXX XXXX. XXXX being XXXX 's headquarters. I went to EOS and told them. They said I need to take it up with XXXX. XXXX said the can't do anything about the payments being charged, take it up with EOS. Later on XX/XX/year> I went back to EOS. They provided me with documentation and sent it to XXXX. The next month when I saw I was charged again, I went back to EOS again on XX/XX/year> to rectify the situation. They provided me with further documentation that had a partial refund on it, I had the manager, XXXX XXXX make a notation that he would submit additional approval for refund. 

I got refunds but a balance owed of {$180.00} remained. On XX/XX/year> I was charged again by XXXX another {$88.00} leaving a balance owed to me of {$270.00} XXXXXXXX XXXX has been 100 % uncooperative and won't stop XXXX from charging to my account. I had not choice to cancel my XXXX 's XXXX XXXX XXXX ( Synchrony ) account as these charges are keep accruing.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
I recently received a debt collection notice from your office. I requested in writing that you provide documentation confirming this. I am writing to you regarding a collection attempt on an alleged debt referenced by account number XXX in the amount of {$3900.00} According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are attempting to collect. On XX/XX/year>, I sent you a formal request for debt validation via certified mail. To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, you have failed to provide : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. My full, complete and correct social security number that may help to identify me as the correct person you are attempting to collect from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year>, I request for investigation and provide evidence of accuracy.

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 2025-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
b'Im filing this complaint because PayPal has been playing with my money for almost XXXX months, and Im honestly exhausted, frustrated, and extremely upset with how theyve handled this situation.\n\nOn XXXX XXXX XXXX, I made an online purchase from XXXX using PayPal. XXXX cancelled the order immediately, and normally the money should go right back to my bank. Instead, PayPal kept my money in a hold for three weeks, and then the transaction just disappeared from my PayPal history like nothing ever happened. But somehow, their agents can still see it on their end.\n\nSince then, Ive talked to five different PayPal agents, and EVERY single one of them has told me something different. It honestly feels like none of them know what theyre doing. Their Spanish customer service is one of the worst Ive ever dealt with  they barely understand what Im asking, and they just say whatever to get you off the phone.\n\nHeres the nonsense PayPal put me through:\n\nFirst agent told me to wait 15 days. Nothing happened.\n\nSecond agent told me to upload a bank statement from my XXXX XXXX account (which I did).\n\nThird agent told me the issue wasnt even a refund, that it was an authorization hold, and asked me to upload a letter proving my account was closed. I did that too.\n\nFourth agent confidently said the money would be in my PayPal account by XXXX XXXX at the latest. It wasnt.\n\nFifth agent literally told me there is nothing PayPal can do, which is crazy because PayPal is the one holding the money!\n\nMeanwhile, XXXX already confirmed TWICE that they released the funds back to PayPal immediately. They even gave me confirmation numbers: XXXX and XXXXXXXX XXXX  also confirmed multiple times that my account was closed on XXXX XXXX and PayPal claims they released the money on XXXX XXXX, which means PayPal sent money to a CLOSED account. XXXX XXXX  told me there is no way they ever received those funds and that they already contacted PayPal to tell them to return the money to me.\n\nSo at this point:\n\nPayPal took my money\n\XXXX  released it\n\nMy bank never got it\n\nPayPal didnt put it into my PayPal balance\n\nAnd Ive been stuck in this ridiculous loop for almost XXXX XXXX\n\nIve wasted hours calling them, submitting documents, following instructions, doing everything PayPal asked  and absolutely nothing has been resolved. Im beyond frustrated. PayPal agents close chats, give wrong information, and dont even bother to check the confirmations I got from XXXXn\nAll I want is the XXXX  that PayPal has been holding hostage for nearly two months. This is unacceptable, unprofessional, and honestly looks like negligence. I need the CFPB to force PayPal to give me my money back because they clearly have no intention of resolving this on their own.\n\nMy name: XXXX XXXXEmail on PayPal: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-15 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves these accounts was late. XX/XX/year> was paid on time and 90 days late on XXXX. On one of the credit reports you have XXXX paid on time and XXXX 120 days late. This is clearly inaccurate. If you can not provide me with this information in 15 days update these accounts to Paid/Never late and send me a copy of my updated credit report.

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 2025-11-15 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: FL

Complaint narrative:
I am requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves these accounts was late. XX/XX/year> was paid on time and 90 days late on XXXX. On one of the credit reports you have XXXX paid on time and XXXX 120 days late. This is clearly inaccurate. If you can not provide me with this information in 15 days update these accounts to Paid/Never late and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your 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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this complaint because my TransUnion credit file contains widespread, systemic inaccuracies across almost all accounts. I am attaching my full TransUnion report ( generated XX/XX/year>, File Number XXXX ) as evidence. The majority of accounts on this report are incorrect, outdated, re-aged, unverifiable, or do not belong to me. 

The errors include : Numerous charge-offs and collections reporting without validation Accounts reporting past the 7-year limit Possible mixed-file issues due to multiple names and old addresses Re-aged accounts resetting delinquency dates Completely inaccurate balances and dates Duplicate accounts Previously disputed accounts still reporting incorrectly Incorrect bankruptcy influence despite my XXXX  XXXX being dismissed Several factoring company accounts I never opened Multiple credit card accounts that do not match my records This violates the Fair Credit Reporting Act, including but not limited to : FCRA 602, 607 ( b ), 611, and 623.

I am requesting that CFPB require TransUnion and all furnishers listed in the attached report to : Provide documentation verifying the accuracy of every account Remove or correct all inaccurate, re-aged, unverifiable, or non-matching entries Remove duplicate or outdated negative items Remove information reporting past the legal time period Provide written results of all reinvestigations Conduct a full mixed-file investigation due to the number of names/addresses attached to my profile The inaccurate reporting is preventing me from obtaining housing, credit, and basic services, and it is causing severe financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IN

Complaint narrative:
I am submitting this complaint because my TransUnion credit file contains widespread, systemic inaccuracies across almost all accounts. I am attaching my full TransUnion report ( generated XX/XX/year>, File Number XXXX ) as evidence. The majority of accounts on this report are incorrect, outdated, re-aged, unverifiable, or do not belong to me. 

The errors include : Numerous charge-offs and collections reporting without validation Accounts reporting past the 7-year limit Possible mixed-file issues due to multiple names and old addresses Re-aged accounts resetting delinquency dates Completely inaccurate balances and dates Duplicate accounts Previously disputed accounts still reporting incorrectly Incorrect bankruptcy influence despite my XXXX  XXXX being dismissed Several factoring company accounts I never opened Multiple credit card accounts that do not match my records This violates the Fair Credit Reporting Act, including but not limited to : FCRA 602, 607 ( b ), 611, and 623.

I am requesting that CFPB require TransUnion and all furnishers listed in the attached report to : Provide documentation verifying the accuracy of every account Remove or correct all inaccurate, re-aged, unverifiable, or non-matching entries Remove duplicate or outdated negative items Remove information reporting past the legal time period Provide written results of all reinvestigations Conduct a full mixed-file investigation due to the number of names/addresses attached to my profile The inaccurate reporting is preventing me from obtaining housing, credit, and basic services, and it is causing severe financial harm.

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 2025-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Me and this company had a payment agreement but they still reported the debt to my credit report after I have made payments and without notice

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation