vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I paid off my CareCredit balance and contacted the company to close my account. The representative stated it was closed and no further actions were needed on my part. Now, three months later I am finding out I have {$10.00} outstanding from interest. Which was not notified to me when I asked to close the account.

Today I am contacting the company because this is unacceptable. They should have communicated this to me when I was closing my account. And due to this not being communicated, my credit has been affected, on an account that I paid off and closed.

Another complain I have is the unprofessionalism an account manager at Synchrony showed by stating " I would suggest you to keep an eye on your bill & pay accordingly. '' and threatening " we're unable to bring your account current today you may receive collection calls attempt and late fee charges may assessed to your 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

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 2025-11-24 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: IL

Complaint narrative:
I am disputing the following charged-off accounts and inquiries reported by Experian. These items contain potential inaccuracies, incomplete reporting, or unverifiable data. I am requesting a full FCRA-compliant investigation. CHARGED OFF ACCOUNTS
( XXXX  ) XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$990.00} INQUIRIES ( 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 2025-11-24 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-24 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: TN

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-24 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:
The account listed is inaccurate and sThe account listed is inaccurate and should not be reported under my name.hould not be reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
The account listed is inaccurate and sThe account listed is inaccurate and should not be reported under my name.hould not be reported under my name.

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 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to XXXX is XXXX XXXX admitting to being a Servicer or Lender based off of loans that it alleged it issued? Are payments Toyota Financial Services collects each month being collected from assets in which it sold on XXXX XXXX XXXX XXXX XXXX XXXX XXXX? Provide the Full XXXX Accounting pursuant to XXXXXXXX XXXX in XXXX subsection XXXX where it clearly establishes that a party who refuses to account can not maintain a claim? Provide the repurchase agreement? Provide the XXXX for the loan issued? Specify the investors names and addresses for loans issued through Toyota Financial Services?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am a consumer seeking corrections on my TransUnion credit report. The items below are being disputed due to inaccuracies and incomplete reporting. Please conduct a reinvestigation. 

CHARGED OFF XXXX XXXX Opened XX/XX/year> Balance : XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-24 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-24 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: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-24 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: OH

Complaint narrative:
Experian is reporting an inaccurate and unverifiable charged-off auto loan from XXXX XXXX XXXX XXXX 

This same account has already been removed from BOTH XXXX and XXXX after their investigations concluded that the account could not be verified or was reported inaccurately. Despite this, Experian continues to report the account, even though it contains incorrect dates, status information, and balance details. 

When I previously disputed this with Experian, they claimed the account was verified, but they did not provide documentation, contact information, or any explanation of how it was verified. If the account could not be verified by the other two major credit bureaus, Experian should not continue to report it.

I am requesting that Experian either : 1. Provide full documentation showing how they verified the account, including who at XXXX verified it and by what method, OR 2. Remove the account from my credit report due to inability to verify.

The continued reporting of unverified and inconsistent information is harming my credit profile. I am requesting the CFPBs assistance in resolving this issue and ensuring Experian complies with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONAL ASSET MORTGAGE, LLC
State: IL

Complaint narrative:
National Asset Mortgage LLC ( NAM ) attempted to collect from me again today, XX/XX/year>, leaving another voicemail from XXXX directing me to call XXXX. NAM is not licensed to service or collect in Illinois and has no legal authority over my account. Multiple state regulators have confirmed this, including XXXX, which assigned Case XXXX and confirmed NAM holds no Illinois Collection Agency license and no Consumer Credit license. NAM is attempting to collect on a void instrument based on a forged deed recorded on XX/XX/year> under XXXX XXXX XXXX, an address that does not exist, while the North Carolina Attorney General ( File XXXX ) was actively investigating XXXX/NAM . NAM never filed any servicing transfer, is not listed in county records, and is not the servicer or sub-servicer of record. 
NAM also obtained and used my personal information without authorization. FNBAs servicing compliance officer admitted NAM received my Social Security number and personal data through Factual Data and XXXX XXXX even though there was no permissible purpose under GLBA, DPPA, or FCRA. I already filed FTC identity theft and unauthorized disclosure reports, which NAM has ignored. NAM continues unlawful collection attempts despite : 1. No licensing in Illinois 2. No legal servicing rights 3. No recorded ownership interest 3. Active state and federal investigations 4. FTC and identity theft reports 5. Written notice disputing the debt and revoking consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I used the XXXX XXXX portal to make a qualifying purchase on XX/XX/year> in order to earn airline miles. The promotion was clear : the miles would be issued after a valid purchase tracked through their platform and the company later confirmed in writing that I acted in good faith and followed all required steps. 
However, they are refusing to issue the earned miles. Their representative explicitly stated that they are withholding the reward because they have not received commission from the retailer yet. They also confirmed that the purchase qualifies, but they are choosing not to credit my account until they receive compensation on their end. 
This means the company is offering a financial incentive to consumers, confirming qualification, and then withholding the promised value for internal profit reasons. The miles have real monetary value and directly affect my consumer financial account. Their refusal to credit them constitutes deceptive and unfair practices. 
During my XXXX complaint, the business continued to stall and again admitted they would not manually issue the miles because they were still waiting for the completion of the investigation into why they didnt receive commission. They acknowledged I met all promotional requirements yet insisted on delaying fulfillment solely to protect their own commission payment. This shows a pattern of intentionally delaying financial credit owed to consumers. 
This practice harms consumers who rely on the advertised rewards and trust that earned miles will be credited regardless of whether the company receives commission. The company is using reward fulfillment as leverage in its own business-to-business transaction, which the consumer has no control over.

I am requesting CFPB review because the issue involves : 1. a financial rewards program tied to a consumer account, 2. confirmed earned value that is being withheld, 3. deceptive advertising, 4. unfair delay tactics, and 5. financial harm caused by non-delivery of promised account credit.

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 2025-11-24 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable items appearing on my consumer report. This is a formal dispute under federal law, including 15 USC 1681i, 1681e ( b ), 1681g, 1681s-2, and 15 USC 1692g .

I dispute the following accounts as inaccurate, incomplete, or unverifiable : XXXX XXXX Charged-off Balance : {$1400.00} GS Bank USA Charged-off Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX  Loans Multiple late payments ( 90180 days XXXX XXXX XXXX XXXX XXXX XXXX  Late payments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FEDChex Recovery, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable items appearing on my consumer report. This is a formal dispute under federal law, including 15 USC 1681i, 1681e ( b ), 1681g, 1681s-2, and 15 USC 1692g . 

I dispute the following accounts as inaccurate, incomplete, or unverifiable : XXXX XXXX  Charged-off Balance : {$1400.00} XXXX XXXX XXXX Charged-off Balance XXXX {$2700.00} XXXX XXXX XXXX Collection Balance XXXX {$260.00} XXXX XXXX Collection Balance XXXX {$1100.00} XXXXDOFED XXXX XXXX Multiple late payments ( 90180 days ) XXXX  XXXX XXXX XXXX XXXX Late payments ( 120180 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capitol one employees said it took them from XXXX XXXX to XX/XX/XXXX to process an online payment due on XX/XX/XXXX. Their policy was to record the payment on the later date, not the day I paid the bill. Kohls cards are now Capitol One cards. I requested that the the late fee of {$29.00} be removed because my payment was not late on 4 different phone calls since I received my bill. they did not dispute he fact that I called in the payment on a day before the bill was due. They said it took them 6 days to process it. That is not reasonible or my fault. 
I recently received a letter from a Kohls executive thanking me for being a most valued customer for 30 years. There wasn '' t a phone number. Someone needs to tell him that people are being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the following accounts reporting on Experian, Equifax, and TransUnion, none of which belong to me. Each account appears under my name but is clearly associated with someone else. 

XXXX XXXX Account # XXXX, reported XXXX XXXX as charge-off. This is NOT mine, I have no knowledge of this account, and it belongs to another individual with the same or similar name. 

XXXX XXXX, Account # XXXX, reported XXXX XXXX. The debts and balances are inconsistent across bureaus : {$7400.00} on TransUnion, {$7300.00} on Experian, not present on Equifax. This account is NOT mine. 

XXXX XXXX XXXX XXXX, Account # XXXX, charge-off status. NOT mine, no knowledge, belongs to someone else with the same or similar name. 

XXXX XXXX XXXX, Account # XXXX, voluntarily surrendered XXXX XXXX. Charge-off status. NOT mine, belongs to another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I am writing to kindly request your assistance regarding several accounts that appear on my credit report which may contain inaccurate or unauthorized information. I want to ensure that all information associated with my name is correct, up-to-date, and fully verified. For this reason, I am reaching out directly to request your cooperation in reviewing the accounts listed below. 

For reference, please update my personal information to reflect my current address : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX The accounts I am seeking clarification or verification for are as follows : XXXX XXXX XXXX XXXX Repossession entry

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 2025-11-24 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief