vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I made a payment to my cc on XX/XX/year> the amount was supposed to be a payment of {$50.00}. And a payment of {$710.00} came out of my checking account. I have asked for a refund og the amount less of {$100.00}. And was told that I would receive my Refund in 7-14 days. It has been well over the time. I called and could not get any confirmation on when I will receive my refund, And I keep being transferred to an account manager named XXXX that keeps hanging up on me, she also is very rude. I also informed her that was the money to pay my mortgage. She did not care to show any empathy.

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 2025-11-18 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: TX

Complaint narrative:
I claim no association with these accounts ; they must be removed within 15 days by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: World Omni Financial Corp.
State: AL

Complaint narrative:
A fraudulent account was opened in my name with XXXX XXXX XXXX XXXX XXXXXXXX ), and I have already filed an FTC Identity Theft Report for this incident. I did not authorize this account, did not apply for it, and had no connection to it. Despite being provided with identity theft documentation, XXXX is still furnishing and reporting the account as if it were legitimate. 

Their previous response completely avoided the actual issue. Instead of addressing the identity theft, they attempted to justify repossession notices, internal records, and accurate reporting. None of that is relevant under federal law. When identity theft is involved, FCRA 605B ( 15 U.S.C. 1681c-2 ) governs the process, not internal paperwork or after-the-fact validation attempts.

Under FCRA 605B, once a consumer submits an FTC Identity Theft Report, a furnisher is legally required to : Block the fraudulent tradeline within four business days Stop furnishing the account to all credit bureaus Stop all collection activity Treat the account as unauthorized and not attributable to the consumer XXXX  did none of these things. They ignored the identity theft claim, refused to follow federal law, and continue to furnish information that they were explicitly notified resulted from identity theft. This is a direct violation of FCRA 605B and FCRA 623 ( a ) ( 6 ).

I am requesting that the CFPB require XXXX  to : Immediately block and permanently delete this fraudulent tradeline from all CRAs.

Immediately cease all furnishing of this account.

Stop all collection activity.

Provide written confirmation of compliance with FCRA 605B. 

My FTC Identity Theft Report and XXXX  previous response are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX took {$19.00} from my account when I dont currently have any subscriptions or XXXX related applications I needed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was previously handled by XXXX XXXX, which the CFPB determined used illegal and deceptive practices to file disputes without proper consent. 

Because of this, the credit bureaus can not rely on any past dispute verification processes. They must conduct a lawful reinvestigation but failed to do so. I am requesting full deletion. 


I am a consumer impacted by the illegal credit repair practices identified in CFPB XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Because the company filed unauthorized or deceptive disputes on my behalf, all prior verifications on my file are unreliable. I request a full reinvestigation of all negative accounts : XXXX XXXX XXXX {$1400.00} XXXX XXXX  {$1300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  {$480.00}, {$270.00} XXXX  XXXX Charge-off XXXX  Repossession If you can not obtain original validation from the furnisher, remove the accounts under FCRA 609 and 611 . Sincerely, 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC is engaged in systematic illegal collection reporting with multiple serious violations : DUPLICATE REPORTING FRAUD Same account # XXXXXXXX XXXX XXXX XXXX XXXX is being reported by THREE different entities : LVN Funding LLC, LVNV Funding LLC, and LVNF Funding LLC This is physically impossible - one account can not be owned by multiple collectors simultaneously Each entity reports different amounts and status codes MATHEMATICAL IMPOSSIBILITY Account # XXXXXXXX XXXX XXXX XXXX XXXX shows {$1000.00} balance with {$1200.00} " credit limit '' Collection accounts CAN NOT have credit limits- this is deceptive reporting The numbers make no mathematical sense WRONG PERSON DEBT These accounts belong to someone with a similar name I have no knowledge of these debts No validation has ever been provided despite multiple requests INCONSISTENT REPORTING ACROSS BUREAUS Account # XXXXXXXX XXXX XXXX XXXX XXXX reports as : XXXX  : {$660.00} as " credit extension '' XXXX  : {$400.00} as " collection '' with XXXX late status XXXX  : {$660.00} as collection Same account can not have different amounts and statuses FAILURE TO PROVIDE VALIDATION No validation notices ever received Continued collection without validation Reporting to credit bureaus without proper documentation EVIDENCE ATTACHED : Credit reports showing inconsistent reporting Certified mail receipts for validation demands Proof of multiple entity reporting same account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint regarding significant servicing errors, misreporting, escrow violations, and communication failures committed by State Employees Credit Union ( SECU ) relating to my mortgage loan, auto loan, and consumer credit accounts. 

From XXXX, SECU repeatedly reported incorrect loan balances, failed to disburse escrow funds on time ( causing my homeowners insurance to lapse ), mishandled my Mortgage Assistance Program ( MAP ) application, and furnished false information to credit bureaus. 

Despite regular payments, SECU issued Form 1098 statements for XXXX that materially overstated my principal and interest. This included a report of a {$330000.00} balance in XXXX, even though payments from XXXX XXXX should have brought my balance closer to {$320000.00}. Escrow was similarly misreported, and SECU failed to pay my insurance in XX/XX/XXXX, causing a lapse. 

In XX/XX/XXXX, after job loss, I submitted a MAP application. SECU did not review options with me or communicate eligibility. Instead, they later sent a plan requiring three full payments upfront, which was not feasible without income. Had SECU offered a standard forbearance, I would not have needed to file bankruptcy. 

After filing XXXX  XXXX in XX/XX/XXXX, SECU reported both my mortgage and auto loan as Paid Off / Closed / {$0.00} Balance on all credit bureaus. Despite this, SECU continued to claim that I owed balances and attempted to collect through increased statements, alleging arrears and adding fees without proper notice. 

SECUs Proof of Claim in bankruptcy used an inflated amount ( {$320000.00} ) inconsistent with its own XX/XX/XXXX mortgage statement ( {$310000.00} ). SECU also raised my mortgage payment from {$1800.00} to approximately {$3500.00} over a short period, without adequate notice or basis.

Additionally, I have never been notified whether my data was compromised in known SECU insider fraud incidents involving account access, PII misuse, and transaction manipulation. 

These actions have caused financial loss, confusion, emotional distress, and significant harm to my credit profile and stability. 

I am requesting that CFPB investigate SECUs servicing practices, require a full account-level audit from XXXX, and ensure correction of all credit reporting, escrow errors, and bankruptcy-related misstatements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant kept sending me emails saying that my loan was due on XXXX XXXX. I paid on XXXX XXXX but the loan was still reported as delinquent. Avant website did not allow payment date to show as XXXX XXXX, only XXXX XXXX.

Avant reported me as late but I was not. 

Also, emails show that my due date is every XXXX of month but the website portal shows it is every first of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payment I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-11-18 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-11-18 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: CA

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay. 
Resolving this issue is not just necessary it is absolutely critical.

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 2025-11-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year>, Citibank placed a hard inquiry on my credit reports as a result of identity theft. Citibank already investigated and confirmed the inquiry was fraudulent and sent me a written letter admitting it was unauthorized ( letter attached ). 
Despite this, the hard inquiry from XXXX XX/XX/year> still appears on my XXXX  report. I have disputed it multiple times with XXXX  ( dispute letters and responses attached ). XXXX  told me Citibank must request the deletion. 
I have called Citibanks fraud/identity-theft line ( XXXX ) many times and can not get help to process the removal. 
I respectfully ask for CFPB 's help in having that fraudulent inquiry deleted from my XXXX  report. Thank you

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 2025-11-18 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: IL

Complaint narrative:
I am submitting this complaint to formally notify Equifax of clear violations of the Fair Credit Reporting Act ( FCRA ). I am a confirmed victim of identity theft, and fraudulent information continues to appear on my credit file despite Equifax having received all documentation required for blocking under FCRA 603 ( q ) and 605B. 

I have provided Equifax with a complete and legally sufficient Identity Theft Report, including : A notarized FTC Identity Theft Affidavit ( ID Theft Affidavit No. XXXX ) Valid government identification and proof of current address XXXX XXXX XXXX Account XX/XX/XXXX {$1200.00} XXXX XXXX Unsecured Loan XX/XX/XXXX {$13000.00} XXXX XXXX XXXX Credit Card XX/XX/XXXX {$3000.00} XXXX XXXX XXXX Credit Card XX/XX/XXXX {$17000.00} XXXX XXXX Unsecured Loan XX/XX/XXXX {$5400.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts and inquiries were not opened, authorized, or initiated by me, and I have no relationship with any of the listed entities.

Under FCRA 605B ( a ), XXXX  is required to block all fraudulent information within four ( 4 ) business days after receiving a valid identity theft report. I have met every requirement under 603 ( q ) and 605B ( b ), yet these fraudulent accounts and inquiries remain unblocked on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Hello, I sent in Verified information to all credit bureaus containing credit alerts that I've been receiving over the last 10 years and I have been attempting to clean my credit. I have sent XXXX  the same information and asked for the Sales contracts/Assignment contracts for several accounts on specific items on my credit reports, I've requested names and phone numbers of the companies or persons who verified this information in what they asked for which was 30 days. I've been given the run around and no proof requested that I owned the debt and I have not received any of that information. I wish to opt out of any company that can access my credit report without my written or verbal consent per the law. I have not been sent any assignment contracts and have concerns about a Company named XXXX card, high balance of XXXX dollars, I have not been sent the verifying information pertaining/ opening date of XXXX, no assignment contracts/Bill of Sale , no names of companies and persons who verified this debt to this account. A Company named XXXX XXXX XXXX, high balance of XXXX dollars, open date XXXX date of XXXX on my report but has not been removed. I opt out of any company pulling a soft or an hard Inquiry from my report without my written or authorized signature or verbal agreement. XXXX  XXXX XXXX  has another account, high balance of XXXX dollars, open date XXXX date of XXXX and has not been removed, please remove immediately. I've been given nothing for verifying this debt. Please remove immediately. There are laws against this and they say that I can legally pursue for damages. I have not been sent any information or assigned contracts, no names, no company representation phone numbers for a Company named Leafy Financial, unknown account number, it says that it's in collection but I've been given nothing verifying this debt, account opened XXXX high balance of XXXX dollars. I haven't been sent any verifying information for this debt, Please remove immediately. Another company named XXXX high balance of XXXX dollars/ open date XXXX. I haven't received any verified assignment contracts, names, company numbers or anything, Please remove immediately. I would like all verifying information be sent to me on paper and not in an email. I would like an updated XXXX  credit report once items are removed please. I have filed complaints and still haven't seen any results. Please remove immediately, they haven't given me the information for validating these items and they've had their 30 grace day period. I was subjected to a Data Breach from XXXX  and have suffered damages and my information was compromised by them. I need this fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
1. The inquiry was not authorized XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XX/XX/year> Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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