vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My care credit /synchrony, I only use this card for the 0 % promotions, and recently they started to charge for a paper statement, so I switch and set up a automatic payment, now recently I had a promotion expire but was never notified, it was due, so now they charge me all the interest that was accrued. A fee of XXXX and this month a charge of XXXX due to the remaining balance, no I had called and explained it. I did never ever receive a notification that the promotion was ending. At this time the guy said there was nothing they could do so I asked for a supervisor and I told him the whole situation and he also said there was nothing he could do. This is a little trick they're doing by making everyone go to online and then never notifying you that a promotion is due and then they're charging you all the interest. I find this to be very unfair. I said to the representative I would be willing to pay the balance that it was owed so I wouldn't have to pay the fee and he refused, in the last 2 years I've probably spent {$3000.00} on this card and that's the thanks I get the supervisor was XXXX id 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BARCLAYS BANK DELAWARE 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 2025-09-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
The name of the XXXX XXXX was XXXX. I was with them some years ago. Im not sure if Im signing up too late or what

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a business account with CHASE where I have made deposit for my merchandise with checks mounting {$9400.00} which was not returned nor bounce, they closed my account and hold on to my funds for 8 months I have tried to get this money back and they keep playing around in circle with no good answers and I havent heard from anyone they told me to give them the numbers of the person whos name was on the check I did and they still dont do anything i dont think this is fear I know people that has been through this with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was served paper work for a debt at an address that I no longer live at and the person at the address is now aware of my personal information and the alleged debt. This is illegal and the debt should be cancelled. If not I will take legal action for not protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MI

Complaint narrative:
XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX Subject : Fraudulent Account Dispute Under FCRA 611 & 605B ( 15 U.S.C. 1681i & 1681c-2 ) To Whom It May Concern, I am a victim of identity theft and I am formally disputing the following information in myXX/XX/XXXX consumer report : Creditor/Bank Name : XXXX XXXX Number : XXXX This account is fraudulent. I did not open it, authorize it, or consent to its use. I am requesting the immediate blocking and removal of this item from my consumer file under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Enclosed are the following documents in support of my dispute : - Copy of my government-issued ID - Proof of current address - Copy of my FTC Identity Theft Report or police report Please conduct a prompt and reasonable investigation as required by FCRA 611 ( 15 U.S.C. 1681i ). If the reporting financial institution can not provide verified evidence that I am responsible for this account, you must delete it from my file. 

I request written confirmation once this fraudulent information has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal infor
mation. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial is reporting a repossession inaccurately. The vehicle was taken in XX/XX/year> without proper notices required by law. I have not received any communication from them about the sale, balance, or how to retrieve my personal belongings. Reporting across bureaus is inconsistent and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date : [ Insert Date ] To : Experian Equifax TransUnion Subject : Formal Dispute & Request for Validation of Accounts To Whom It May Concern, I am formally disputing the accuracy and validity of the following accounts appearing on my credit reports. These items are reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires consumer reporting agencies to ensure maximum possible accuracy, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which requires debt collectors to provide proper validation upon request. 

Disputed Accounts XX/XX/XXXX These accounts are being reported inaccurately and without proper validation. I am demanding that : Each furnisher provide full validation, including the original signed contract, complete payment history, itemized balance breakdown, and proof that they have the legal right to collect in theXX/XX/XXXX 

The credit bureaus cease reporting these accounts until validation is provided, as required by the FDCPA and FCRA. 

If validation can not be produced, the accounts must be permanently deleted from my credit reports. 

No debt associated with these accounts may be transferred, sold, or reassigned to any other collection agency, as this would constitute continued collection activity without validation. 

All collection activity, including reporting and verifying these accounts, must cease immediately until proper documentation is provided. 

XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers can be held liable when reporting information that is misleading or incomplete. 

XXXXXX/XX/XXXXXXXX ) Once on notice of a dispute, furnishers must conduct a reasonable investigation and correct inaccuracies. 

XXXX v. Equifax XXXX XXXX, XXXXXX/XX/XXXX Credit reporting agencies must ensure maximum possible accuracy in reporting. 

XXXX XXXX XX/XX/XXXXXXXX. XXXX ) Failure to properly investigate disputed debts can result in liability under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Debt collectors must provide more than a mere statement ; they must supply actual evidence of the debt. 

Notice of Intent to Sue If these accounts are not validated and permanently removed within the statutory timeframe, I reserve the right to pursue legal action against your company for willful and negligent violations of the FCRA and FDCPA. Such action may include claims for actual damages, statutory damages, attorneys fees, and court costs. 

Please conduct a full reinvestigation and provide me with written confirmation of the results within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I have paid off my student loans in full in late XXXX with payoff letter dated XX/XX/XXXX. I called several times for them to update their credit report records/ information they report so I can have this removed from my credit score. It still reflects {$9000.00} from a balance of XX/XX/XXXX. I assume they have not reported since then, since it has been paid off. It remains on all my reports effecting my report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is
inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I had credit repair done and they ruin my credit XXXX points and items were deleted but letter added on for the most part I was over charged having my debit card used without my knowledge and fell behind trying to pay it off! XXXX XXXX ruined my credit and over charged my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: FL

Complaint narrative:
In early XXXX, I enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, financed through Climb Credit. I took out a tuition loan of approximately {$13000.00}, at an APR of 17.20 %, structured over only 36 months. This resulted in extremely high payments of approximately {$510.00} per month, with around {$200.00} going solely to interest, which is significantly higher than what a typical student loan repayment schedule would be. 

I enrolled based on representations by my recruiter and program marketing that the bootcamp included a job guarantee and that graduates typically earned starting salaries of around {$98000.00} as cybersecurity analysts. This was a major factor in my decision to sign up and take on debt. However : My career advisor later admitted that there is no job guarantee, contradicting both what was told to me during enrollment and what appears in the program portal under eligibility requirements for a " job guarantee. '' The advertised salary expectation of {$98000.00} was also misleading, as cybersecurity starting salaries in Florida are much lower. 

When I asked Climb Credit for alternative repayment options, I was told the only option was a 3-month deferment, which would create a balloon payment at the end. No income-based or extended repayment options were offered, which is highly unusual for a student loan product. 

This situation has placed both me and my cosigner ( my mother ) at severe financial risk. I feel I was misled into taking this high-interest, short-term loan under false pretenses of a guaranteed job outcome and inflated salary promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
CFPB Statement for Complaint I am requesting a full assessment of each collection agencys contract validation, license to collect in my state, and original signed agreement for the debts assignment Contract.

Key Issue : I never signed or received a valid, legible contract for these debts. In the case of DPT ED XXXX, I was unable to continue using their service because I did not graduate high school. There is no proof of graduation or completed enrollment, yet I am being charged for services I never used. This debt is inaccurate and should not be reported or Collection don't have org contract or assignment Contract can't proof there license to collect in my state. Cease and assistan report and full deletion. There paid close charges off and charges off with no proof of the irs Reporting I did not receive any XXXX form from these charges off be report by XXXX  XXXX  XXXX  or and other Credit Bureau There hard inquiries that unauthorized list that should be removed from all 3 Bureau XXXX XXXX with out my full signature or Full name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX iowa XXXX Need to be deleted that the only personal information should be Reporting on my credit report Accounts in Dispute : XXXX XXXX XXXX Org Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} open account | {$960.00} open account Both opened XX/XX/XXXX XXXX XXXX XXXX account {$800.00} Opened XX/XX/XXXX XXXX. System, XXXX Org Creditor : XXXX XXXX {$700.00} Debt Buyer Opened XX/XX/XXXXXXXX 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  : 1. Verify that each collection

agency is licensed to collect in my state. 2. Require original wet-ink signed contracts and assignment documents showing their legal right to collect. 3. Remove or correct any accounts that can not be fully validated.

4. Stop further collection activity until proper validation is provided.

My Statement : These debts are inaccurate, improperly validated, and in some cases involve services never received. Under FDCPA ( 15 USC 1692g ) and FCRA ( 15 USC 1681 ), I have the right to dispute and demand full proof before any reporting or collection continues.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am filing a complaint regarding two public records and multiple related accounts that continue to be reported on my credit file despite having been discharged through bankruptcy. 

The public records in question are being reported as XXXX XXXX bankruptcies under the following : U.S. Bankruptcy Court XXXX U.S. Bankruptcy Court XXXX The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX has confirmed in writing that they do not report consumer information to credit bureaus. I have attached a notarized letter from the court verifying this fact. Therefore, the continued reporting of these public records is inaccurate and unlawful. 

Additionally, I previously sent a notarized dispute letter to your agency regarding these public records as well as the accounts included in the XXXX  XXXX that were discharged. The accounts still reporting with Debt included in or discharged through Bankruptcy XXXX  XXXX comments are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were discharged through bankruptcy, which means they are no longer legally enforceable debts. Under the U.S. Bankruptcy Code, once a debt is discharged, creditors are prohibited from attempting collection or continuing to report such debts in a way that implies enforceability.

Furthermore, many of these accounts are now obsolete and exceed the permissible reporting period under FCRA 605 ( a ), which limits the reporting of negative information to seven years. Their continued presence is unlawful.

By continuing to report discharged, obsolete, and inaccurately coded accounts, you are in violation of your obligations under the Fair Credit Reporting Act, including FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report with maximum possible accuracy ). Additionally, under FCRA 604, consumer reporting agencies may only furnish information where there is a permissible purpose. Reporting inaccurate and unenforceable accounts exceeds permissible purpose and causes ongoing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief