vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate, contradictory, and improperly verified reporting on my Barclays Bank Delaware account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). I disputed this account with the credit bureaus, and you verified it without correcting obvious reporting errors across all three bureaus. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

I am requesting a complete reinvestigation and correctionor removalof this account. 

Factual Inaccuracies & Conflicts Conflicting High Balances XXXX  : {$4100.00} XXXX : {$0.00} XXXX  : {$2500.00} A charged-off account can not simultaneously have a {$0.00} high balance on XXXX bureau and thousands reported on others. 

Conflicting Date of Last Activity XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX A three-year spread indicates information is not being accurately maintained. 

Conflicting Date Reported XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX ( but remarks show XX/XX/XXXX activity ) Reporting dates must reflect verified, consistent updates not conflicting years. 

Inconsistent Account Statuses XXXX  : Paid Collection/Chargeoff Payment after chargeoff  XXXX : Account legally paid in full for less than full balance XXXX  : Settlement accepted Paid charge-off These statuses represent materially different outcomes and can not all be correct. 

Contradictory Creditor Remarks XXXX shows a dispute remark : Dispute resolved ; customer disagrees XXXX shows multiple settlement-related remarks. 

XXXX  shows Paid charge off / settlement. 

This inconsistency indicates the furnisher is not reporting uniform data. 

Experian shows late payments ( 90150 days ) AFTER reporting date XXXX XXXX strictly prohibits reporting late payments after an account has been charged off or closed. 

Account shows {$0.00} balance but also shows collection/charge-off status A {$0.00} balance with a Collection/Chargeoff status and inconsistent settlement language indicates the data is not being updated accurately. 

Laws Being Violated FCRA 623 ( a ) ( 1 ) ( A ) You are furnishing information that you know or should know is inaccurate.

FCRA 623 ( b ) Your reinvestigation was not reasonable, given the volume of cross-bureau conflicts.

FCRA 611 ( a ) Once disputed, unverifiable or inconsistent data must be corrected or deleted.

FCRA 607 ( b ) Furnishers and bureaus must uphold maximum possible accuracy. 

XXXX XXXX Standards Violations DOFD consistency Post-charge-off late reporting Conflicting status codes Contradictory balances Inaccurate remark codes

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 2025-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE DISPUTE LETTER FRAUDULENT ACCOUNT Date : XX/XX/XXXX To : Capital One Bank ( USA ), N.A. 
Attn : Fraud Department XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX DOB : XXXX SSN ( last XXXX ) : XXXX Re : Formal Identity Theft and Fraud Dispute Charged-Off Account # XXXX To Whom It May Concern : This letter is a formal demand that Capital One immediately investigate and delete the fraudulent credit-card account listed above, which appears on my credit reports as a charged-off account. I never applied for, authorized, or used this account. It was opened through identity theft. 
The account is documented as identity theft in both my Police Report # XXXX ( filed XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and my FTC Identity Theft Report # XXXX ( filed XX/XX/XXXX ). These official reports verify that the Capital One account was created and used without my consent. 
Evidence of Fraud The payment history shows immediate delinquency, no legitimate payments, and a rapid charge-off on a small-limit cardbehavior consistent with identity theft. I have never received any correspondence, statements, or notices from Capital One about this account until it appeared on my credit reports. 
Legal Notice and Demand for Action Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : XXXX. Capital One must conduct a reasonable investigation under FCRA 623 ( b ). 
XXXX. Capital One must provide written confirmation of its findings and remove or correct the fraudulent data from all credit bureaus. 
XXXX. Capital One may not continue furnishing information it knows to be inaccurate or caused by identity theft ( 623 ( a ) ( 6 ) ). 
XXXX. Any failure to act will be considered willful non-compliance under FCRA 616, exposing Capital One to civil liability. 
Requested Action XXXX. Permanently delete all records of the fraudulent account ( # XXXX ) from your internal systems. 
XXXX. Notify XXXX XXXX, and XXXX  to remove the account from my credit files. 
XXXX. Provide me with written confirmation of deletion within XXXX business days. 
XXXX. Supply copies of any documents, applications, or signatures that Capital One believes prove I opened the account. 
If you can not provide these documents, you must immediately delete the account from all systems and reporting channels. 
Attached Documentation - FTC Identity Theft Report # XXXX ( XX/XX/XXXX ) - Police Report # XXXX ( XX/XX/XXXX ) - Copy of government-issued ID - Proof of current address Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission, and the XXXX Attorney Generals Office XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
company is exposing my sensitive information for all the world to see. Specifically my valid drivers license. Please follow this link to prove my claimXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Lendmark Financial Services
State: PA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached copy of my ID, The FTC complaint. Showing my information being exposed in a national database.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX to get a quote on a car. All I wanted was a quote. I was manipulated into purchasing a car. I admit that. I was manipulated into putting the down payment on my credit card. I was given no paperwork while this transaction was being negotiated. I kept asking for the final cost. I signed my signature electronically to run my credit only. XXXX came back with the paperwork and said I had already signed. No paperwork was given to meto sign in the office. No bank was listed on the paperwork. It was a generic application. 
I was charged tax on the initial down payment. 
When I attempted resolve the confusion Will refuse to give me a break down of what was charged. He stopped communicating. I called the car dealership and I was told by someone name XXXX there was nothing I could do. I filed a complaint with the Better Business Bureau once I was able to find out what bank mynloan was with. I received a call from Chase and I was told I did not need to file a fraud claim because the loan had been reversed. This was on XXXX. XX/XX/XXXX I returned the car to the lot and removed the insurance and disputed the credit card the charge because I no Longer owned the car. Theybare trying to say the XXXX was a nonrefundable deposit. They out my electronic signature ( which they captured on XX/XX/year> ) on a form that says the deposit is no refundable. 
XXXX weeks later I started getting harassing phone calls from Someone claiming to be the owner at XXXX XXXX they saidthe had been out of town and were not available to resolve my problem. They added insurance using my signature and obtained plates in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank / XXXX ( Charge-Off ) Account : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} Past Due : {$3600.00} Violations : Reporting incorrect past-due balance after the account was charged off. 
FCRA 607 ( b ) inaccuracy.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am filing a complaint against XXXX XXXX XXXX XXXX XXXX  ) for reporting inaccurate and unverifiable information related to a XXXX Bank account. 

Issues with the XXXX XXXX : The balance is inconsistent with XXXX XXXX  reported charge-off The account number sequence does not match XXXX XXXX has XXXX to provide chain-of-title proving ownership They have not provided the itemized balance breakdown XXXX and XXXX are reporting different XXXX for XXXX same account XXXX has never provided validation under FDCPA XXXX ( b ) This is a direct violation of : FCRA XXXX ( b ) inaccurate reporting FCRA XXXX ( a ) ( XXXX ) furnishing information known to be incorrect FDCPA XXXX ( XXXX ) ( A ) misrepresenting amount and character of debt FDCPA XXXX ( b ) no validation provided Requested Resolution : I request deletion of the XXXX XXXX tradeline from all credit bureaus due to inconsistent balances, failure to validate, and violations of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Received a call about an unpaid payday loan from a XXXX area code number and they said i owe a company named cash net usa around {$1000.00}, I called the company cash net usa to see if I owe and they said I don't .. they are threatening legal action and I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Service Bureau
State: CA

Complaint narrative:
I received a debt collection notice from Professional Service Bureau , Inc. ( PSB ) on or around XX/XX/2025, regarding a total balance of {$990.00}. The notice claims this debt is related to physical rehabilitation services from XXXX XXXX XXXX, referencing account number XXXX. 
I formally disputed this debt via email to PSB on XX/XX/2025 The debt is disputed because the services were pre-authorized and approved by my health insurance plan, and I had already paid the required copay for each visit. The services were fully covered under my policy, except for the required copayments. 
As evidence, I provided PSB with copies of my active health insurance card and the insurance-provided Service Authorization/Referral documentation in my dispute communication. 
I am filing this complaint because I believe the debt is invalid and inaccurate, and the collection activity is based on an underlying billing error between the service provider and my insurance company. I demand that PSB cease collection efforts and verify the debt by showing documentation that legally obligates me to pay the remaining balance, or that they close the account and confirm the debt will not be reported to credit bureaus.

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They charged me several times in my account, including XXXX of them for {$8.00} and chase charged me XXXX overfee reaching almost {$100.00} in fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
For six months I have been receiving frequent and repeated phone calls from Medicredit about a medical debt. I called them over three months ago and told them I do not have a medical debit and that the number they are calling is a cell phone which is infrequently used and not given to any of my contacts. 

By the way, we have been previously been victimized by identity theft through the XXXX XXXX credit breach in XXXX, resulting in having to change all of our identity and financial relationships. 

What we want is Medicredit 's address, etc in order to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security XXXX, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts XXXX be the result of misattribution or identity theft caused by the breach. Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX my pay check ( {$3300.00} ) was transferred out of my cash app account and sent to a account linked to my account ( card ending in XXXX. ). The account was not mine. I called and emailed cash app and explained to them at the time of the transfer. I was in jail for speeding tickets. I provided proof of my location at the time of the transfer. And I couldn't have done it. They sent me a email stating they were refunding my money. But sent it to the same account that took my money the first time. And now I try to explain to them whats they did and that i still haven't received my money back. Ive asked why didn't they send it back to my cash app account. And all they did was give me the bank. Name and account number .and told me to call that back to get my money.. Can someone please help me. I really need my money. Im getting kicked out of my home because I cant pay rent. Im a single father. And leave from paycheck to paycheck..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
Shellpoint mortgage will not call me back with a repayment plan. All documents that were requested have been submitted. 

Now showing that have not been submitted when they absolutely have been. 

Today when I called they said I was on a do not call list. They said they removed the do not call restriction and someone will call me back XX/XX/year> between XXXX XXXX  and XXXX XXXX. 

In the meantime I am constantly fearful my house will be foreclosed on without my knowledge.

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 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
I have contacted Honda twice regarding about my car payment to be push to a later date because of the government shut down .. and they promised me that it would have been done by today XX/XX/year> when i first logged in, but it never did happened. Honda Financial has XXXX me over and lied to me... leaving me more financial debt. I'm also in the military and this is really wrong for a member to be treated like this. With all of the high stress level that we have to go through and this is adding more stress on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a predatory lending complaint against Santander Consumer USA regarding my auto loan for a XXXX XXXX XXXX ( contract date XX/XX/XXXX, account ending XXXX ). My interest rate is 20.04 %, which was not adequately explained at the time of purchase. Over the past year, I have paid approximately {$800.00} each month, yet my principal balance has remained between {$29000.00} and {$32000.00}. My transaction statements show that only {$200.00} {$390.00} of each {$790.00} payment is applied to the actual loan, with the remainder going toward excessive interest. This has caused the balance to barely decrease despite consistent payments. The structure of this loan, the inflated interest rate, and the disproportionate interest-to-principal ratio reflect predatory practices that have caused significant financial harm. I am requesting an investigation into the loan terms, application of payments, and interest rate practices of Santander Consumer USA.

Company response to consumer: Closed with explanation