vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
I opened a CareCredit account in XX/XX/XXXX and made a purchase of {$1800.00} under an XXXX interest-free promotion. 

I have made all required payments each month and recently paid off the remaining {$830.00} principal in full. 

In XX/XX/XXXX, I was unexpectedly charged {$710.00} in retroactive interest, because the system applied only a XXXX promotional period instead of the XXXX  months that were promised. 

CareCredit customer service refused to correct the issue over the phone, saying they could not adjust the promotion. 

I am requesting that Synchrony Bank review the merchant-submitted promotional code and remove the {$710.00} interest charge, since I already paid off my full balance on XX/XX/XXXX. 

Please investigate and provide a written response.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Account Holder ; XXXX XXXX XXXX XXXX Bank Name ; Wells Fargo Bank Account : XXXX Routing : XXXX Account Type ; Business Basic Checking Business address ; Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address Has a balance of {$3700.00} but I havent received a check from the closure yet.

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 2025-10-08 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: GA

Complaint narrative:
I am filling a complaint because my creditor is reporting late payment Account XXXX XXXX XXXXXXXX ) that are inaccurate and not properly verified I have dispute directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S2 a furnisher must report accurate information under 15 US 1681 the credit bureaus must perform a reasonable investigation within 30 days Neither. provide sufficient evidence to support the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am filling a complaint because my creditor is reporting late payment Account XXXX XXXX XXXXXXXX ) that are inaccurate and not properly verified I have dispute directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S2 a furnisher must report accurate information under 15 US 1681 the credit bureaus must perform a reasonable investigation within 30 days Neither. provide sufficient evidence to support the

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: VA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Volkswagen Credit , Inc. for knowingly and willfully reporting false and damaging credit information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The vehicle financed through Volkswagen Credit a XXXX XXXX XXXX XXXX ( XXXX XXXX ) was declared a total loss by XXXX XXXX on XX/XX/XXXX. 
XXXX issued payment directly to Volkswagen Credit to settle the account, leaving a remaining balance of approximately {$2800.00}. 
Despite this, Volkswagen Credit continues to report the account as a Repossession / Redeemed Repossession to all major credit bureaus ( XXXX XXXX XXXX  and XXXX ). 
These reports show false repossession updates between XXXX and XX/XX/XXXX, which is well after the total loss settlement and constitutes illegal re-aging and false furnishing of data. 
There was no repossession after XX/XX/XXXX. 
I have disputed this repeatedly since XX/XX/XXXX, both directly with Volkswagen Credit and through all XXXX credit bureaus. 
A Volkswagen Credit representative even admitted by phone that my vehicle was not repossessed yet they refuse to correct or delete the inaccurate tradeline unless I pay the remaining balance. 
That is not a lawful basis to continue reporting inaccurate information. 
Violations of Federal Law Volkswagen Credits conduct violates multiple provisions of the FCRA, including : 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate 623 ( a ) ( 2 ) : Failure to correct and update inaccurate information 623 ( a ) ( 5 ) : Illegal re-aging of derogatory data 607 ( b ) : Duty to maintain maximum possible accuracy 611 ( a ) ( 1 ) : Duty of credit bureaus and furnishers to reinvestigate and delete unverifiable data XXXX : Civil liability for willful and negligent noncompliance It also violates FDCPA 807 ( 2 ) ( A ) false representation of the character or legal status of a debt. 
Impact on Me Because of this false repossession notation, I have suffered : Credit denials and higher interest rates Reputational harm and emotional distress Financial loss due to the inability to obtain certain credit opportunities What I Have Done So Far Submitted multiple written and certified-mail disputes to Volkswagen Credit and XXXX credit bureaus since XX/XX/XXXX. 
Attached documentation proving XXXX  total-loss settlement on XX/XX/XXXX ( Exhibit A ). 
Received no correction or deletion of the inaccurate repossession entry. 
Requested Resolution Immediate deletion of the Volkswagen Credit tradeline from all consumer reporting agencies, or correction to accurately state : Insurance Total Loss Paid by XXXX ( Balance : {$2800.00} ). 
Written confirmation from Volkswagen Credit that the repossession remark has been permanently removed. 
Investigation and enforcement action against Volkswagen Credit , Inc. for willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ) and 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only release information when a permissible purpose exists. As these inquiries do not meet those conditions, I am demanding their deletion.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX regarding an alleged account they are reporting. They received my request but never provided the legally required proof of validation. Despite this, Experian, TransUnion, and Equifaxs investigation marked the account as verified and updated on different dates in XXXX and showed on the credit reports I received from each credit reporting agency on XX/XX/year>, that I have provided as evidence, without providing any documentation or explaining their verification method. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) 611 ( a ), Experian is required to delete unverifiable or unvalidated information from a consumers file. I am requesting that this account be properly investigated and removed, as no proof of the debt has ever been produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MN

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX regarding an alleged account they are reporting. They received my request but never provided the legally required proof of validation. Despite this, Experian, TransUnion, and Equifaxs investigation marked the account as verified and updated on different dates in XXXX and showed on the credit reports I received from each credit reporting agency on XX/XX/year>, that I have provided as evidence, without providing any documentation or explaining their verification method. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) 611 ( a ), Experian is required to delete unverifiable or unvalidated information from a consumers file. I am requesting that this account be properly investigated and removed, as no proof of the debt has ever been produced.

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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Cashbak, LLC
State: CA

Complaint narrative:
I contacted the company XX/XX/year> regarding a loan, I did so online and applied for their largest amount, i believe was XXXX. I have decent credit and a military pension and compensation of XXXX a month. My home was affected by the flood in XXXX XXXX  several weeks ago and flood insurance would not cover the damages. I was not aware this establishment was a payday loan service. I filled out my application, logged in later to see that I was awarded {$300.00} with XXXX  % interest. I was quickly locked out of my account before I could take pictures of the outcome. I messaged them twice online but received no response. I called the XXXX XXXX location and spoke to XXXX who stated that their company policy was that they did not loan money to current or former military members. I must have been silent for a min but it felt like XXXX. She offered no further explanation or apology. There were no warnings or notices on the website that would indicate I was wasting my time and would XXXX lose points on my credit report for their inquiry. XXXX was flippant and almost seemed bored with my predicament. The lack of empathy made me more embarrassed. I filled out many applications that day and I do not recall if there were any regarding my military service. I am ashamed to say, I called her a derogatory term for a female before hanging up on her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am writing because I noticed a collection account from a company claiming to represent XXXX XXXX. I have never granted direct or indirect permission for this company to possess, share, or report any of my personal data to credit reporting agencies. There is no legally binding documentation presented with my wet signature showing I knowingly and voluntarily agreed for them to collect on my behalf. What they uploaded to the CFPB portal is not a legal validation. Its a document anyone could generate, and it fails to meet the standards outlined under 15 USC 1692g. They keep suggesting that I reach out to resolve it privately, which is unacceptable considering they are damaging my credit publicly. 

Additionally, they are evading meaningful investigation by refusing to provide actual proof of authorization or ownership of the debt in question. Their attachment does not show any chain of custody or valid verification linking me to a contract or lease agreement under this companys direct management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Response to Equifaxs Investigation Results Continued Inaccurate and Unverified Information Dear CFPB Representative, This letter serves as my formal response to Equifaxs XX/XX/year> reply to my previously filed complaint. While Equifax marked the matter Closed with non-monetary relief, their response fails to correct ongoing inaccuracies or provide documentation verifying that proper reinvestigation occurred in compliance with the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ). 

Although Equifax stated that several items were not currently reporting, my most recent Equifax report dated XX/XX/year> still lists these accounts, showing that the deletions claimed were not completed or that Equifax continues to allow unverified furnishers to reinsert data without proper certification required under FCRA 611 ( a ) ( 5 ) ( B ). 

Creditor / Furnisher Balance Status / Issue XXXX XXXX XXXX XXXX XXXX {$2900.00} Still listed as 'charge-off. ' Equifax claimed it was removed. No proof of permanent deletion was provided. 
DEPT OF ED / XXXX ( XXXX tradelines ) {$8800.00} / {$3500.00} / {$7200.00} / {$3800.00} / {$7600.00} / {$3900.00} / {$970.00} / {$770.00} All continue showing XXXX days late. ' Equifax claims they were not reporting ; duplicates remain. 
XXXX XXXX XXXX {$0.00} ( Closed ) Updated but still reports severe delinquency despite being closed for years. 
XXXX XXXX XXXX XXXX {$2300.00} Collection remains ; Equifax failed to provide verification or deletion. 
XXXX XXXX ( XXXX. XXXX XXXX ) {$150.00} Collection remains active ; no validation documents produced. 
XXXX XXXX XXXX  {$1200.00} Remains disputed yet still reporting ; not validated or deleted. 

Violations and Requested Action : XXXX. Failure to Permanently Delete Unverified Information ( 611 ( a ) ( 5 ) ) Equifax reported multiple accounts as not currently reporting, yet they still appear, indicating non-compliance. 
XXXX. Failure to Maintain Maximum Possible Accuracy ( 607 ( b ) ) Allowing duplicate and outdated student-loan entries, and continuing derogatory marks after dispute, violates the duty of accuracy. 
XXXX. Reinsertion Without Certification ( 611 ( a ) ( 5 ) ( B ) ) If furnishers re-reported these items, Equifax failed to obtain proper certification or notify the consumer within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-10-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously submitted a dispute to Equifax regarding inaccurate reporting on the XXXX XXXX XXXX account ( ending in XXXX ), and I also filed a CFPB complaint in XXXX. It has been more than 30 days since that complaint, and no proper resolution has been provided. Equifax continues to report inaccurate and inconsistent information, including conflicting dates last reported and payment history that does not align with the accounts {$0.00} balance and Paid status. These errors remain unresolved despite my initial factual dispute and supporting documents. Equifaxs failure to correct or properly verify this information is a violation of the FCRA, which requires consumer reporting agencies to maintain accurate data and conduct reasonable reinvestigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and XXXX XXXX compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you fix any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. Therefore, I demand that only factually accurate, verified, and compliant data be documented in it. 

JEFFCAPSYS - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that have appeared on my credit report. Upon reviewing my credit file, I identified inquiries that I did not apply for, authorize, or give written consent for, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under the FCRA, a consumer reporting agency may only furnish a consumer report to a third party when there is a permissible purpose and with the consumers explicit authorization. Since I did not grant permission for these inquiries, they are unauthorized and constitute a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  -- {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
After TransUnions XX/XX/year>XXXX  data breach exposed personal information, multiple unauthorized accounts appeared on my TransUnion credit report. I filed FTC Identity Theft Reports # XXXX and # XXXX and sent formal notices to TransUnion under FCRA 605B and 611. Despite this, TransUnion continues to report fraudulent accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These errors have depressed my credit scores and prevented credit access. I am seeking CFPB enforcement for deletion and compliance with 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 explanation