vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
I was using XXXXCitizens Debt Relief for debt consolidation. I made payments to them to " prove '' I could make payments. Then, when I " graduated '' from that, they sold me on a {$10000.00} loan from XXXX XXXX which was given directly to Citizens, not me. They were able to negotiate my biggest credit card ( XXXX XXXX ) I had down from {$5400.00} to {$3900.00}. They sent the money to my bank account so I could pay it off directly. But, other than that, I have not seen or heard of the rest of the {$10000.00} loan, and I am still making payments on that. There is {$6000.00} unaccounted for. I have no itemized list of what they actually paid for besides to XXXX XXXX. I asked them to cancel my program since I was still getting collections notices for other lines of credit that they claimed to be taking care of. They did cancel my program. Which prompted XXXX to contact me. I don't know how they are all related but it's confusing and it's harmful. They just took the money, didn't settle my debts except for 1, cancelled the program, and can't show where my money went. They don't even have a login service to access anything or see where any money is going at all. My last AND ONLY statement is from XXXX because I requested one but none of that has actually even been resolved because I am still getting mail from them, also, where is the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting. 

The company is reporting an account on my credit report that I dispute. I requested verification of the accuracy of the account, including proof of ownership, a complete payment history, and an explanation of the reported balance. 

To date, I have not been provided with sufficient documentation to validate the accuracy of this account. Despite this, the company continues to report the account to the credit bureaus. 

Reporting information that has not been properly verified may violate the Fair Credit Reporting Act. I am requesting that the company either provide full verification or delete the account from my credit report. 

This issue is impacting my ability to secure housing and financing.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: ID

Complaint narrative:
When I first began repaying my loans in XXXX, I was already harmed by predatory loan practices that were common at the time. Interest was charged on accrued interest, meaning that despite making regular payments, my payments went almost entirely toward interest and did not reduce the principal. This kept borrowers like me trapped in long-term debt despite good-faith repayment. 

Later, during COVID, new federal legislation took control of my loans out of my hands and fundamentally altered the repayment landscape. I had no ability to opt out or manage these changes independently. 

Now the Department of Education is backing away from the original promises made under REPAYE. Interest is once again accruing, and I am stuck because I am not allowed to apply for Public Service Loan Forgiveness ( PSLF ) even though I qualifyunless I abandon REPAYE and switch to a new repayment plan. But switching plans would require giving up the protections and progress I earned under the original agreement I have honored for 16 years. 

In sum : I cant stay where I am without financial harm due to renewed interest accrual I cant move to a new plan without losing years of earned progress And the government is effectively breaking a long-term repayment agreement after I already upheld my part for the vast majority of it Any other lender would legally be in breach of contract if they carried on like this. Fairness, reliance, and contract integrity are the basis of loans. I followed the rules through multiple policy changes, endured predatory repayment structures early on, and continued paying in good faith. Now, after doing what was required of me, the rules are being changed in a way that directly harms my financial future and obviously breaks the original contract for repayment.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I sent a dispute letter to all XXXX credit bureaus on XXXX XXXX. And a XXXX round XX/XX/year> to transunion because they didn't investigate the XXXX  that is reported on my credit wrong. Both XXXX  and XXXX  deleted. Its reported as past due but paid and XXXX balance. I didn't agree with this especially since both of the other credit bureaus deleted. I ask them to send proof or delete. Neither of those things have happened. So now I'm asking to delete permanently.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX : XXXX Email : XXXX Bank Information : Bank Name : Bank of America XXXX ( if known ) : XXXX XXXX XXXX, XXXX XXXX, VA XXXX Account XXXX Complaint Details : I deposited my first paycheck from my job into my Bank of America account XXXX which I had just opened, on XX/XX/year>. I never received the funds. The bank also froze and closed my account, and I had to open a new account. 

I attempted to resolve this issue multiple times by contacting both branch management and customer service, but they refused to take action, telling me to wait until XXXX or XXXX. It is now XXXX, and I still have not received my paycheck or any copy of the deposited check. 

This has caused significant financial hardship, and the delay is unacceptable. Bank of America has failed to provide proper service or resolution, despite repeated attempts to correct the issue. 

I would like Bank of America to immediately release the funds from my deposited check, issue a replacement, and provide written confirmation that the matter has been resolved. And also a hard time they gave me, waiting XXXX to XXXX hours of my time every other day, and I'm weak. I want them to compensate and reimburse me. I am poor and from a different country, and they treat and show us as if we were forgetting about the money. If possible to sue this company because small stuff doesn't hurt them when they make more than they will care about people experiencing poverty, as well as others. Because I heard that some other people 's money was available, they ate as well. No one can do anything to them. I will see if I can go to court and sue them as well. 

Signature : XXXX XXXX XXXX XX/XX/year>

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
Every time I apply for a credit card I get denied any kind of credit card

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding unclear and misleading promotional financing disclosures related to the PayPal XXXX  Mastercard, issued by Synchrony Bank and marketed by PayPal. 

On XX/XX/year>, I made an online purchase of {$410.00} using my PayPal XXXX  Mastercard. PayPal advertises No Interest if Paid in Full in 6 Months on purchases over {$140.00} when you check out with PayPal. Based on this promotion and the branding of the PayPal XXXX  Mastercard, I reasonably believed this purchase would qualify for promotional financing.

After the transaction posted, it was classified as a standard purchase and not promotional financing.

I contacted Synchrony Bank, and a supervisor explained that the transaction did not qualify because I entered the card number directly at checkout rather than using PayPal Checkout, and that this eligibility requirement is controlled by PayPal. Synchrony opened a case to attempt to have the transaction re-coded but advised the process may take up to two billing cycles.

I reviewed the PayPal XXXX  Mastercard Terms and Conditions and could not find clear disclosure stating that promotional financing eligibility depends on using PayPal Checkout rather than using the PayPal XXXX  Mastercard directly. This distinction was not clearly disclosed at checkout or in the card agreement.

I submitted written complaints to both PayPal and Synchrony Bank on XX/XX/year>, requesting clarification, reclassification, and confirmation that no interest would accrue while the matter is under review. As of today, more than one week later, I have received no substantive response from either company.

As a result, I am now at risk of interest charges accruing on XX/XX/XXXX, even though the transaction is under active review and the delay is outside of my control. Any interest assessed would be the direct result of unclear promotional disclosures rather than consumer inaction.

I am requesting that : 1. The transaction be reclassified as promotional financing, and 2. PayPal and Synchrony improve disclosures to clearly explain promotional eligibility requirements to consumers.

I believe this situation reflects materially unclear and potentially misleading promotional financing disclosures that have caused consumer 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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and XXXX  for their continued reporting of inaccurate, unauthorized, and unverifiable credit information despite repeated disputes and clear notice of noncompliance. 

My consumer reports contain numerous unauthorized hard inquiries that were placed without my knowledge, consent, or permissible purpose. I did not apply for credit, sign any applications, or authorize access to my consumer report for the following inquiries, yet they continue to be reported across bureaus : XXXX  XXXX XXXX ( multiple dates ) XXXX XXXX  ( multiple dates ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In each instance, no bureau or furnisher has produced a signed application, written authorization, firm offer of credit, or court order as required under 15 U.S.C. 1681b. Continued reporting of these inquiries constitutes unlawful access to my consumer report and a failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Additionally, my reports contain unverifiable and illegally reported tradelines from XXXX XXXX XXXX XXXX and XXXX that have already been deleted by another national consumer reporting agency, establishing that these accounts could not be verified through reasonable procedures. Despite this cross-bureau deletion history, the remaining bureaus continue to report these accounts without producing : Original signed agreements Complete payment histories Balance validation from the original creditor The following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Continued reporting of accounts that another bureau has determined to be unverifiable violates 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) and Metro 2 consistency requirements. The bureaus have failed to conduct lawful reinvestigations and have instead relied on automated responses and boilerplate verifications, which is expressly prohibited under the FCRA. 

This inaccurate reporting has caused ongoing harm to my credit profile, limited my access to credit, and exposed me to identity theft risk. The repeated nature of these violations demonstrates a pattern of reckless and willful noncompliance.

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 2025-12-29 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-29 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: NC

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 : [ No charged-off accounts listed ] Inquiries : XXXX XXXX XXXX XXXX XX/XX/year> Positive Accounts : [ No positive accounts listed ] Late Payments : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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