vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am disputing the accuracy of a telecommunications debt being collected on behalf of XXXX. 

I have a three-line wireless account. XXXX lines are fully paid off, and XXXX line is on an equipment installment plan. I was told at signup that the third line was free ; however, billing does not consistently reflect a free line and I have repeatedly requested clarification without resolution. 

Beginning in approximately XX/XX/year>, I experienced financial hardship and was placed on a short-term hardship/government assistance arrangement to keep my service active. Despite this, my service was repeatedly suspended and reconnected. Each suspension resulted in a {$20.00} per-line fee, assessed across all three lines, even when service was already interrupted. These suspension fees were applied multiple times and materially increased the balance. 

Service was suspended on or about XX/XX/year>. Charges continued to accrue while service was suspended. I attempted to resolve the balance and entered into a payment arrangement. On XX/XX/year>, I made a large payment in an effort to restore service. When the payment later returned, service was immediately disconnected again and the disputed balance remained unchanged. 

Despite the account being under active dispute and an FCC complaint having been filed regarding the billing issues, the account was referred to a third-party debt collector by approximately XX/XX/XXXX, XXXX days after suspension. The amount being collected includes disputed suspension fees, charges during service suspension, and unresolved discrepancies regarding the free line. 

I repeatedly requested an itemized explanation of the charges, clarification of the hardship assistance applied, and correction of billing errors. I did not receive a clear or complete response resolving these issues prior to the account being sent to collections. 

I dispute the amount being collected as inaccurate and inflated due to improper fees and billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am disputing continued billing on an auto lease for a vehicle that was returned on XX/XX/year>. 

On XX/XX/year>, I returned the leased vehicle to the XXXX XXXX XXXX in XXXX XXXX, Florida, after being instructed by multiple representatives of the lender to do so. I relinquished possession and control of the vehicle on that date and received a completed odometer disclosure statement for title transfer. The vehicle has remained at the service center since the return date. 

Despite the return, the lender has continued to treat the account as open and bill for payments after XX/XX/year>. A payment was made on XX/XX/year> after the vehicle had already been returned, and an additional payment is being demanded for XX/XX/year>. 

I contacted the lender multiple times by phone and through online account messaging to request confirmation of the return date, correction of the account, and escalation to a supervisor. I was given conflicting information, including being told that XXXX must contact the lender to verify the return, while other representatives stated that was not required. Requests to speak with a supervisor resulted in excessive holds, being placed on mute, or calls being disconnected. During a separate call, my spouse was disconnected when requesting escalation. 

The lender provided a written response stating the vehicle does not show as returned but did not address the documentation or coordinate verification. I have recorded multiple calls documenting the misinformation and failure to escalate. 

I am requesting correction of the account to reflect the XX/XX/year> return, cessation of billing after that date, refund or credit of any payments made after the return, and assurance that no late fees or negative credit reporting will occur while this dispute is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Dear LVNV, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report. Permissible Purpose : please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy federal refuse to return the funds in my account there was a deposit and I was told the money belong to them and I cant have access to the account so I am writing a complaint against this company I deserve my funds back to me this is calling stealing from the customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was reviewing my credit report and noticed an account that is not mine

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 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing a deferred-interest charge assessed by Synchrony Bank following the expiration of a promotional No Interest If Paid in Full financing offer associated with a Mattress Firm purchase.

I NEVER missed or was late on a payment during the promotional period. I did not receive a billing statement by mail alerting me that the promotion had expired or that deferred interest had been applied. I became aware of the issue only after noticing a larger-than-normal automatic payment withdrawal from my checking account, which prompted me to log in to my account online and review my statements.

When I accessed my account online, I discovered that a retroactive deferred-interest charge of {$1400.00} had already been applied. My prior billing statements did not include a clear, conspicuous, forward-looking notice that the promotional balance was approaching expiration or that a deferred-interest charge of this magnitude would be assessed if the balance was not paid in full by a specific date.

Upon discovering the charge, I immediately contacted Synchrony Bank by phone and paid the full outstanding balance that existed prior to the interest assessment in the amount of {$1000.00}. A customer service representative documented my account for review. I later spoke with a supervisor and requested a courtesy or goodwill review based on my payment history and immediate payoff, but this request was declined. 

The most recent billing statement dated XX/XX/year> shows that the deferred interest had already converted to a regular balance and that additional monthly interest continues to accrue, despite my prompt payment of the principal balance upon discovery. 

My concern is not that the promotion expired, but that I did not receive adequate advance notice of the expiration or of the magnitude of the deferred-interest charge, despite maintaining a perfect payment history and acting promptly and in good faith once the issue became known.

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 monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Opting Out of Information Sharing Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Account number : XXXX IC System XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX RE : Request of Opt-Out Provision Under the Graham-Leach-Bliley Act To whom it may concern, This letter does not serve as a debt validation letter. This letter is to formally request the right to opt out of the sharing of non-public personal information with XXXX XXXX XXXX your affiliated and non-affiliated third parties, such as XXXX, XXXX  and XXXX, for marketing and information sharing purposes, as permitted under the Graham-Leach-Bliley Act. 
The account thats being referred to is Account number : : XXXX I request for the information shared to XXXX, XXXX  and XXXX  to be removed from the consumer report the aforementioned account was shared with as a part of this request. If this request is not completed within 15 days of receipt of this notice request, I will be forced to make a complaint with the secretary of South Carolina and yours along with making a complaint to the Federal Trade Commission about non-compliance according to the GLB act. 
I hope you understand the nature of this request Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
I borrowed {$900.00} from Bright Lending. Since taking out the loan, I have paid over {$1400.00} toward this account. Despite paying significantly more than the amount borrowed, the company continues to claim that I still owe a balance and refuses to offer reasonable repayment options. 

Bright Lending has stated that they do not offer monthly payment plans, only frequent high payments, which has made it extremely difficult to bring the account current. I requested a reasonable monthly payment of {$100.00}, but this was denied. 

I also requested information about a settlement or payoff amount, as I believe I have already repaid more than the principal borrowed. The company stated settlement is not guaranteed and continues to demand additional payments. 

Why Im concerned I have paid far more than the original {$900.00} loan The interest rate appears extremely high and predatory The lender refuses reasonable repayment options The loan structure appears designed to keep borrowers in continuous repayment I believe this may violate consumer protection standards for fair lending and repayment practices What I want I am requesting that : The lender provide a fair settlement or payoff reflecting that I have already paid more than the amount borrowed The lender stop demanding excessive payments beyond the principal plus reasonable interest The lender provide full transparency regarding how payments have been applied I am disputing the remaining balance and requesting CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NE

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Subject : FCRA 623 Direct Dispute Suspected Re-Aging / Inaccurate XXXX XXXX Fields on Charge-Off Tradeline To : MoneyLion Inc Credit Bureau Reporting/Disputes Re : Alleged Account : MONEYLION INC ( masked : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Report Date : XX/XX/XXXX Dear MoneyLion Dispute Department, I am disputing the accuracy and XXXX XXXX compliance of the above tradeline being furnished to XXXX. 
XXXX lists : Pay Status : Charge-off Balance : {$220.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Updated : XX/XX/XXXX Estimated removal : XX/XX/XXXX and the payment grid reflects continued charge-off reporting across multiple later months/years. 
Dispute basis ( XXXX XXXX / FCRA ) This tradeline presents indicators of incomplete and/or potentially re-aged reporting, including inconsistent high balance history spanning much later periods and extended charge-off notations after closure, which can create an inaccurate delinquency timeline.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable credit reporting by XXXX XXXX  XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion. 

I have submitted multiple disputes regarding the XXXX tradeline XXXX Despite these disputes, the account continues to be reported as verified without any lawful verification being provided to me. 

Specifically, I formally requested the method of verification pursuant to FCRA 611 ( a ) ( 7 ), including whether verification was conducted through automated e-OSCAR processes, the name or system used to verify the account, XXXX/XXXX  response data, and copies of documents relied upon to support the reported late payment history. None of this information was provided. 

Additionally, this tradeline contains material inconsistencies across the credit bureaus, including but not limited to : Different Date Last Active values across Equifax, Experian, and TransUnion Different Date Last Reported values across bureaus Conflicting account comments ( closed by credit grantor vs. closed due to inactivity vs. paid/closed ) Inconsistent delinquency reporting for XX/XX/year> Conflicting credit limits reported ( {$0.00} vs. {$300.00} ) These inconsistencies violate the Maximum Possible Accuracy requirement under FCRA 602 ( a ) and demonstrate that the information can not be verified as accurate. 

Equifaxs most recent response states that the item was verified and belongs to me, yet verification of ownership is not verification of accuracy, nor does it satisfy the statutory requirement to disclose the method of verification. 

Because the furnishers and credit reporting agencies failed to provide the required verification and continue to report materially inconsistent information, the XXXX tradeline is unverifiable under FCRA 611 ( a ) ( 5 ) ( A ) and must be deleted.

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 2025-12-18 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: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable credit reporting by XXXX XXXX  XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion. 

I have submitted multiple disputes regarding the XXXX tradeline XXXX Despite these disputes, the account continues to be reported as verified without any lawful verification being provided to me. 

Specifically, I formally requested the method of verification pursuant to FCRA 611 ( a ) ( 7 ), including whether verification was conducted through automated e-OSCAR processes, the name or system used to verify the account, XXXX/XXXX  response data, and copies of documents relied upon to support the reported late payment history. None of this information was provided. 

Additionally, this tradeline contains material inconsistencies across the credit bureaus, including but not limited to : Different Date Last Active values across Equifax, Experian, and TransUnion Different Date Last Reported values across bureaus Conflicting account comments ( closed by credit grantor vs. closed due to inactivity vs. paid/closed ) Inconsistent delinquency reporting for XX/XX/year> Conflicting credit limits reported ( {$0.00} vs. {$300.00} ) These inconsistencies violate the Maximum Possible Accuracy requirement under FCRA 602 ( a ) and demonstrate that the information can not be verified as accurate. 

Equifaxs most recent response states that the item was verified and belongs to me, yet verification of ownership is not verification of accuracy, nor does it satisfy the statutory requirement to disclose the method of verification. 

Because the furnishers and credit reporting agencies failed to provide the required verification and continue to report materially inconsistent information, the XXXX tradeline is unverifiable under FCRA 611 ( a ) ( 5 ) ( A ) and must be deleted.

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 2025-12-18 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-18 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: NC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my credit report. The negative accounts have hurt my ability to obtain new credit. Please remove the collections as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my credit report. The negative accounts have hurt my ability to obtain new credit. Please remove the collections as I have been a victim of identity theft.

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