vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: NC

Complaint narrative:
I request any kind of way to get my funds off of an account that I no longer have access to as a payment from a previous employer was sent there they also tried to reverse the payment but was denied now I'm being told that there is nothing they can do about the account. It's been since XX/XX/XXXX I have tried to get my {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 2025-10-23 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 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 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 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 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 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 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

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After a thorough review of my credit report, I have noticed multiple late payment entries that appear to be incorrect and unjustified. I have consistently paid my bills on time, so these entries are both confusing and concerning. I have reached out to the creditors several times regarding this issue, but unfortunately, no corrective action has been taken. I would greatly appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union has failed to act on repeated requests that my information be removed from its pre-selected credit card offers since it is highly unlikely that I would be approved, first because I had an account with NFCU closed in XXXX with NFCU still holding over {$400.00} of my money ( not turning that money over to me for more than 2 months allegedly because the one person authorized to release my money to me was on a two month vacation! -- when business would allow such a critical job to be uncover that long? ) after my sponsor was charged with bank fraud ( I was never charged with any crime ), and second, I was told I was permanently blocked from membership when my then fiance, a member of NFCU, tried to open an account for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Longbridge Financial, LLC
State: ID

Complaint narrative:
The Longbridge financial LLC kept upping her growth of principal limit, therefore her loan amount, even though she was dead. They also charged her for the line of credit loan amount that she cant use because shes dead and they upped it also so now she has XXXX in a line of credit That she cant use but has to pay on, shes dead. My mom was XXXX or XXXX when she signed the reverse mortgage, theres no way she understood that paperwork. Theres no way she understood that she would be charged that much interest every month. Theres no way she understood that shed be paying on her current line of credit that was not used by her, especially after she died. The kept upping the principal limits, even after she died. My mom lived in the house for 21 years now were selling it and all that is left is {$8000.00}. As

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
This relates to my previous complaint against both Synchrony & XXXX XXXX My account number in dispute is XXXX Synchrony has reported a Care Credit XXXX debt of {$4600.00} to my Credit Report as being a " Write Off '' gone to collections, when in fact I only owe {$580.00}. remaining on this account. They closed my account so I no longer have access to see my payments made & I can no longer make any payments. Isn't it illegal to not have access to your account history & payments made? 

Synchrony mailed me a letter a month ago that they needed my bank payment statements. I mailed them my receipts from my XXXX XXXX within 24 hours of receiving their letter, literally, in the mail the very next day! 
I would have done certified mail, but it was a XXXX XXXX so I couldn't. 
Synchrony XXXX XXXX XXXX XXXX, XXXX XXXX is where I mailed my receipts. 

I will include these forms from my XXXX XXXX that shows that all of my payments were received & processed by Synchrony Bank with XXXX banking codes so they can see. 
I was in a Settlement with Synchrony Bank for paying off this account that went like this : Settlement Amount = {$3400.00} Payment amount of {$1100.00} due by XX/XX/year> Payment amount of {$1100.00} due by XX/XX/year> Payment amount of {$1100.00} due by XX/XX/year> I paid everything on time, until, XXXX when I realized they had closed my account & none of my payments were registered at all. 
I spent probably over XXXX hours on the phone with different people at Synchrony who could explain why my account was closed, they just passed me around, putting me on hold basically treating me rudely. 
One agent who finally tried to help me, told me NOT to pay my full amount on XX/XX/year> but just {$580.00}. instead in hopes this would fix their BROKEN SYSTEM, this was her words, she told me SYNCHRONY has a BROKEN SYSTEM. 
So I did what SHE told me to do & still I did not receive any confirmation that my payment was received. 
Where has my {$2800.00} gone? 
Then Synchrony has the audacity to send me to collections for a FALSE amount that is far more than I owe. PLEASE HELP!!! I am NOT ALONE in this, there's a whole XXXX group of thousands of Americans who have similar DECEIT CASES against SYNCHRONY BANK!!!! 
Today they sent me a letter saying they can't find my payment or receipts so they're closing this case? 
I have given them BOTH Payments & Receipts so at this point they are LYING!!! They are LIARS. 
They said they would do everything to resolve this, but that is not true either because even the people who work for them will admit they are corrupt, I've had people on their phone lines tell me this!!!

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 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I had a title loan with Lendmark Financial my vehicle was repossessed when I was unable to pay that loan. The company then sold my debt to a collection agency and I have since been in contact with that collection agency who has removed their account from my credit report however Lendmark Financial still has their information as a collection on my credit report and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient was sued for forbearance of students XXXX a XXXX. I was placed in forbearance during that time period but it looks like some studenta were just moved to another firm and that is not fair. We too need to have our loans during this time discharged. New firm have no knowledge and says to contact this office for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: MI

Complaint narrative:
Re : PHEAAXXXX XXXX Unverifiable & Inaccurate Account Reporting To Whom It May Concern, This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding an account reported by PHEAAXXXX XXXX XXXXhat appears on my credit file. Each bureau listed above is reporting information that is factually inaccurate, chronologically impossible, and therefore unverifiable under federal law. 
According to my credit reports, the account shows as opened on XX/XX/year>, and closed within the same month, yet it also reflects a collection status with a past-due balance of {$77000.00} as of XX/XX/year>. 
This reporting is contradictory and impossible to verify, violating the FCRAs accuracy standards. 
Legal Violations : FCRA 602 ( A ) Mandates fair and accurate credit reporting practices. 
FCRA 607 ( B ) Requires reasonable procedures to assure maximum possible accuracy. 
FCRA 611 ( A ) ( 1 ) ( A ) Requires deletion of unverifiable or inaccurate information within 30 days. 
12 CFR 1022.42 ( CFPB Regulation V ) Requires furnishers to correct and update inaccurate information. 
Because the data provided by PHEAAXXXX XXXX can not be verified, each credit bureau is required under FCRA 611 ( a ) ( 5 ) to delete this entry immediately from my consumer file. Continuing to report data that can not be verified constitutes willful noncompliance and subjects the bureaus to civil liability under 616617. 
Requested Actions : 1 ) Delete the PHEAAXXXX XXXX  account ( partial account # : XXXX ) from my credit file. 
2 ) Provide me written confirmation of deletion and a corrected credit report. 
3 ) Provide documentation of your reinvestigation, including the furnishers verification evidence. 
If you claim this account was verified, please provide a full copy of all documentation used to substantiate the reporting, including signed contracts, payment history, and the date the account was legitimately opened. 
Without such documentation, this entry must be permanently deleted per FCRA 611 ( a ) ( 5 ) ( A ). 
Please complete your reinvestigation and send confirmation of results to my mailing address within 30 days, as required by federal law. Failure to comply will result in a CFPB complaint and potential legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been a Chase credit card customer since XX/XX/XXXX. On XX/XX/XXXX, I received notifications from my XXXX XXXX that my Chase Credits cards were cancelled. I logged in to see that all 7 of my cards, personal and business accounts, were all closed unilaterally. I did not request this. 

I called Chase and requested more information regarding the closure. All they could say was that the issue was regarding bank policy. In discussing with front-line staff, our hypothesis was because last week I accidentally over-paid 2 of my cards and needed to request Chase reimburse me. However, when I was escalated to management to actually confirm the issue, they would provide no further information. 

I requested an appeal, and have stated multiple times that I am happy to provide information that might assuage their concerns regarding bank policy. However, they told me that no appeals or reinstatements are possible. 

I've been with Chase for nearly a decade. My credit history is with them. By unilaterally closing my accounts, they are financially knee-capping me by destroying ( long term ) my credit score and preventing me from getting a mortgage as a result. 

It is deeply disturbing to be treated guilty without even understanding the allegation or having the opportunity to respond or provide exculpory evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-23 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief