vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to SYNCB/CARE CREDIT dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since SYNCB/CARE CREDIT did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX immediate compliance with FCRA requirements. SYNCB/CARE CREDIT 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing issues with my escrow and mortgage modification. 

When my problems first began, I was told that my escrow balance was {$9000.00}, and that by paying that amount, my mortgage payment would return to its previous amount. I withdrew the {$9000.00} from my XXXX account and started the modification process myself. However, I ended up going in circles because the representatives handling my case did not seem to know what they needed to do. 

Now, instead of resolving the issue, my escrow balance has increased to over {$17000.00}. Throughout this process, I have been repeatedly asked for the same documents, which I have sent multiple times, yet they are often rejected or misplaced. 

Last year, with the help of an attorney, my modification was processed smoothly and efficiently the deferred amount was moved to the end of the loan, and my monthly payment remained affordable. This year, however, the process has been extremely frustrating, disorganized, and confusing. 

I respectfully request that someone review my case carefully and help resolve these issues as soon as possible. I have made every effort to comply and provide all requested documentation, yet I continue to face unnecessary delays and errors that are affecting my mortgage account. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$230.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$14000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$970.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$690.00} UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing the XXXX XXXX account. Account number : XXXX. XXXX XXXX has not provided the original creditor documentation and written validation pertaining to this collection account. I have requested written validation including any contracts with my name and signature along with a date that the contract was signed by me. They have failed to furnish the requested information. It has been 3 months. Reporting without ACCURATE validation is a violation of my consumer rights and violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CBC Companies, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following accounts currently reported on my Innovis credit file : XXXX. XXXX XXXX XXXXn Auto Repossession XXXX XXXX XXXX XXXX XXXX Auto Charge-Off Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am requesting that Innovis conduct a complete and thorough reinvestigation of these accounts. I believe the information reported is inaccurate, incomplete, or unverifiable. Pursuant to FCRA 602 ( A ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Under 607 ( B ), Innovis must maintain reasonable procedures to assure accuracy, and under 611 ( A ), I have the right to dispute and request reinvestigation of any information I believe to be incorrect. 

Additionally, my personal information has been exposed through multiple data breaches involving XXXX, healthcare providers, and all major credit bureaus. These breaches have compromised sensitive identifying information, and I am concerned that some inaccurate data may have resulted from these incidents. Given the heightened risk of identity compromise, I am requesting that Innovis take extra care to verify the validity of these accounts.

If Innovis can not verify the accuracy and completeness of these accounts within the time allowed by law, please delete them from my credit file immediately. Please provide me with the results of your investigation in writing at the address listed above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed a checking account with cittbank sometime last week. I had no balance or pending charges only a balance of XXXX XXXX. I closed the account over the phone with customer care. My citibank app showed the account was closed. I then opened a new account and transfered the XXXX to it. The next day my closed account showed that it was reopened and my new account had a negative {$110.00} balance. The last two transtins on my closed account were for {$3.00} and {$110.00} which totals {$110.00}. How did those transactions show up on my new account? I obviosuly had the money to make the {$110.00} purchase, it was a debit card transaction and i had no negative balance on my account when it was closed. Ive called over and over again and keep getting the run around telling me the charges will eventually drop off and that still has not happened. My account should not have a negative balance. Im tired of calling and getting no results.

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 2025-10-22 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: NV

Complaint narrative:
I am a verified victim of identity theft. I filed a formal dispute with Experian, submitting an FTC Identity Theft Report, police report, and a government-issued photo ID in full compliance with FCRA 605B [ 15 U.S.C. 1681c-2 ], which legally obligates a consumer reporting agency to block fraudulent information from a credit report within four business days of receiving proper documentation.

Despite having provided all required materials, Experian failed to block or remove the fraudulent account. Instead, the company verified the fraudulent tradeline through an automated demographic match comparing identifiers such as my name, Social Security number, and address the very information that was compromised and used by the identity thief. This practice is both reckless and unlawful, as demographic consistency is not evidence of account authorization or consumer consent.

This flawed verification process constitutes a systemic violation of the FCRA, specifically the agencys duties under : 1681c-2 ( a ) ( failure to block fraudulent information upon receipt of identity theft documentation ), 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ), and 1681i ( a ) ( 2 ) ( A ) ( failure to forward and evaluate all relevant documentation submitted by the consumer ).

Experians response demonstrates willful noncompliance and reckless disregard for my rights as a documented identity theft victim. The company did not obtain or provide any supporting documentation such as signed applications, IP logs, billing statements, or correspondence proving that I personally authorized the account. Instead, Experian perpetuated false data by relying on a circular process that reuses the same unverifiable demographic information.

As a direct result of this unlawful reporting and reinsertion, I have suffered measurable harm including credit denials, emotional distress, and financial loss.

In addition, please note my formal intent to initiate binding arbitration should Experian continue to willfully report fraudulent or unverifiable data, as permitted under the FCRA ( 1681n, 1681o ) and corresponding arbitration clauses under federal consumer-protection law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2025-10-22 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: Source Receivables Management LLC
State: MD

Complaint narrative:
I have recently reviewed a copy of my credit report and found a collections reporting from SOURCE RECEIVABLES MNG in the amount of {$1300.00} account number # XXXX and i do not recogonize or believe that this is my debt as i was not aware of this alleged debt If you believe that you informed to of this alleged debt pursuant to 15 USC 1692G ( 809 ) A then please provide me with the certified mail receipt showing my signature as proof that i received notice of the debt and was given the opportunity to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-21 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: CA

Complaint narrative:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account and inquiries were initiated without my knowledge or authorization. 

The fraudulent account is XXXX  XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX  ). 

The fraudulent inquiries from EQUIFAX : XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent inquiries from TRANS UNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiries from EXPERIAN : XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
I am contacting you regarding unauthorized Hard Inquires that have been reported on my credit report, Listed below : XXXX XXXX XXXX : XX/XX/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 Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I pay my mortgages with Chase ahead of the due date, using the statements they mail. I mark on the payment coupon, which Chase provides, exactly how the payments should be applied. 

Chase regularly disregards how I request the payments should be applied, and applies them differently. 

I regularly ( approximately 8 times now, 4 of which were on this account ) reach out to Chase to have the issue corrected. 

Most recently I did that on XX/XX/year>. I got an automated response saying the issue would be addressed within 24 hours. It was not. 

Chase has told me in prior message ( different account ) that they will honor the payments, as requested. They habitually fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've had to file multiple complaints against the company over the past year for its inappropriate handling of my now closed credit card account with them. The company was put on notice in multiple of these requests that I would not like to receive any further communications from them, including but not limited to : marketing, credit offers, etc. And that any future contact in any form should be strictly related to our unresolved disagreement regarding the now closed account I held with them. The company acknowledged this and agreed. 

Since, I've also submitted multiple credit pre-screening opt-outs. Despite this, Capital One has gone on to send not ( 1 ) but over ( 4 ) pieces of mail regarding pre-screen credit offers addressed to me at addresses I did not provide to them and that were never a part of my credit profile/account with them. 

To resolve this matter once and for all, I am requesting Capital One to clear the disputed, unresolved debt that they have reported to the credit bureaus regarding my previous credit card account with them. Also, report this account as Closed, Paid in Full ; so that there is no lingering need for further communication on behalf of either party. 

If this is done and Capital One refrains from committing future violations ; I will, in good faith, forgo pursuing further civil legal action per violation to date as is my right under the FCRA. 

Please accept this complaint as an official demand and notice if the issue at hand can not be resolved as requested.

Company response to consumer: Closed with non-monetary relief