vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am a former car care credit holder through Synchrony Bank. On XX/XX/31 I paid my account off in full and requested it be closed out. Since XX/XX/31 I received 3 more harassing bills showing that I owed {$120.00}. The card hasn't been used in 3 months ' called this morning and spoke to a rep by the name of XXXX who said to me " first off, stop paying the bills '' then proceeded to tell me that they needed to figure out how they were going to get my refund back to me. He stated that I would need to wait another 10 business days to call back and see what could be done. After stating that this wasn't acceptable I then asked to speak to a supervisor. I waited roughly 5 minutes than a XXXX by the name of XXXX got on. She was beyond rude and told me that I was misinformed by XXXX that I wouldn't be getting the money back. I thought I was going to loose my mind. I told her that keeping the over payment was against the law and that they needed to learn to do their job better. Why was I continuing to get harassing letters to pay the amount of {$120.00} if the account was paid on in full on XXXX also told her that the account was to be marked " paid in full and closed out '' and reported as such to the 3 credit bureaus. I was told that that's what happened but that's not the case. The 3 credit bureaus are still showing the account as open with the {$120.00} balance. I am requesting that this be looked into and the bureau helps be to get my {$120.00} overpayment back.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I requested to investigates and correct inaccurate on this matter that impacted my credit score. I disputed the item which I have no received any information to valid this creditor for example, payments history, account statement and correspondence with this company. 
XXXX that represent XXXX which the claim stated I own XXXX which I do not acknowledge that bill.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company will not end the loan and send me my title so I can purchase another car. There is no time loan and that was not agreed upon when I purchase the car

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
They made me choose a note before hand, which was weird, then said it could not be redone, my credit was XXXX, and I got a medium score, when I should have gotten a better rate I have no cc debt, new car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate and/or unverifiable information being reported on my Equifax credit report. The following account appears as charged off, but I do not believe this information is being reported accurately or in compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX, Account ending in XXXXXXXX XXXX XXXX  Date opened/charged off : XX/XX/year>, Balance reported : {$5300.00} I am requesting that Equifax conduct a thorough investigation and either verify this account with proper documentation or remove it from my credit file if it can not be verified. 
I also request that Equifax confirm the accuracy of all reporting dates, payment history, and balance information. 

Additionally, I request a review of any inquiries currently listed on my file to ensure that all are permissible under FCRA 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-13 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: TX

Complaint narrative:
Good day, I have been disputing these fraudulent and inaccurate accounts. I have also included an FTC in my previous dispute. After this, I will be proceeding to civil court in my state of Texas to file a claim against your company. This will be my final attempt to dispute this account.

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 2025-11-13 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:
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 XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$10000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$3300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-13 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:
Re : Reinsertion of Deleted Item Without Proper Notification To Whom It May Concern, I am writing to demand the immediate removal of an item that has been unlawfully reinserted into my credit report. Upon reviewing my recent credit report, I discovered that XXXXXXXX XXXX has reappeared after previously being deleted. This action directly violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The law explicitly states that if a deleted item is reinserted into a consumers credit file, the consumer must be notified in writing within five ( 5 ) business days of the reinsertion. No such notification was provided to me. This failure to comply with the legal requirements is a blatant disregard for my rights as a consumer and constitutes an unlawful practice.

Section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) also mandates that any information reinserted into a credit file must be certified by the furnisher as accurate and complete. I have not received any documentation or certification to verify the validity of this debt, further demonstrating that your reinsertion of this account is legally unsound. 
In addition, your failure to notify me and follow proper reinsertion procedures violates my rights under the broader provisions of the FCRA, which ensures that consumers are protected from inaccurate, incomplete, or unverifiable information on their credit reports. 
This letter serves as formal notice demanding that this account be permanently removed from my credit file immediately. If this unlawful reinsertion is not corrected during the next credit report update, I will pursue legal action against your agency for willful noncompliance with the FCRA.

Please be advised that under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to statutory damages, punitive damages, and attorneys ' fees if I proceed with litigation.

Additionally, I request that you provide : 1. Documentation of the certification process for this accounts reinsertion, as required by law.2. 3. Written confirmation that this item has been deleted from my credit file. 
An updated copy of my credit report reflecting the deletion. 
Failure to address this matter promptly and in compliance with federal law will leave me no choice but to escalate this issue further. I trust you will act in accordance with your legal obligations and resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 a victim of identity theft. I checked my credit today and there are several credit cards, car loans on my XXXX credit reporting agencies. Ive never gave anyone permission of or authorization to open these accounts in my name. This is really affecting my ability to provide properly for my family and score my dream job. Inquiries are 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

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 2025-11-13 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 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: VA

Complaint narrative:
I am disputing the following charged-off accounts with Experian, as I believe the information provided is either inaccurate or incomplete : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Discrepancy : The reported balance does not match the agreed-upon terms and may reflect an error in reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Inquiries : XXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX LOANCARE XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-11-13 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and reliable credit report. I am requesting that these collection entries be investigated, and if they can not be confirmed as accurate, they should be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I was issued an Amex gift card by Delta XXXX XXXX in the amount of {$500.00}. The card was sold to be able to be used anywhere Amex is accepted. I have only been able to make one purchase successfully. After this purchase Amex put a hold on funds for no apparent reason. I phoned Delta to find out why there was an additional pending charge on my account for a purchase I didnt attempt. Delta informed me the charge is from Amex. So I had to wait several days to try to use my remaining balance. 

I now have a remaining balance of {$110.00} I have tried to use the remaining balance multiple times where Amex is accepted and every time the transaction is declined. This puts a hold on the card balance and I have to wait several days for the hold to drop off before I can try again. When I try again the card is declined, and the process of waiting starts over. There is never any reason given by the merchant as to why the charge is declined. They can only report that the transaction is declined by Amex. Ive been on the phone with a merchant who attempted multiple times to run the card on only to result in a declined transaction and a subsequent several day hold of the transaction attempt. There is not a feasible way I can use the remaining balance on my card if it continues to get declined at every purchase attempt. This card has an expiration date of XX/XX/year> and I risk forfeiting my money if Im not able find a way to make a successful purchase. There are multiple accounts of this very issue being reported online. Amex knows their cards are next to impossible to use yet they do not remedy the issue. 

I am requesting to get my remaining balance paid out via an option that will allow me to have full access to spend the remaining balance without errors or continuous declines.

Company response to consumer: Closed with explanation