vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Contacted XXXXXXXX XXXX  in XX/XX/XXXX, told them that my balance does not change every month and that I have been making payments to them since XX/XX/XXXX, never missing a payment. Told them I have paid them over {$8500.00} and no other bill was due. They said, oh the first bill has just been paid off, I was paying my bill on Care Credit for Dental Services ; they said that bill is closed out. However, you still owe a debt on a credit with XXXX XXXX. I told them I didn't know what they were talking about. I told them since my Care Credit bill was paid off years ago, why didn't you tell me and why does my balance remain the same for years and now why does it keep changing from month to month. I requested all statements/invoices and it reflex low and then no balances due. I told them I want to file a dispute. They sent a letter and said do not pay anymore on balance until 60 days dispute is settled. I told them they owed me over {$5000.00} in overpayments. They said no we do not. I asked to show bills and balances. They have been sending me bills every month and acknowledged my payments have been accurate and on time. It has been five months and over one hundred and fifty days and they will not respond. They started having XXXX XXXX contact me for collections.

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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: OR

Complaint narrative:
XX/XX/year> Ed Financial Student Loan Servicing Company reported me as 90 days late for federal student loans. Up until this point, they consistently reported me as current. This dropped my score down from XXXX to ( XXXX ). 

The issue : I never received a warning from the student loan service company that they're starting to require payment. 

XX/XX/year> I called Ed Financial Student Loan Servicing Company. I asked for a way to change the reporting to 30 days late or something since I didn't receive a warning that they had started reporting, requiring payment, or anything. 

When I asked for support, they didn't listen, responded with their " policy ", and talked down to me making me feel bad about my financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I have disputed this XXXX account for over 5 years this XXXX didn't respond within 33 days. I spoke with quality advisor XXXX XXXX. The company didn't respond so this account can be removed. Please delete this XXXX ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

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

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 2025-05-01 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: CA

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

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 2025-05-01 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX  XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-01 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: NY

Complaint narrative:
I'm reaching out because there's incorrect information on my credit report that needs to be fixed immediately. There is an entry on my report that is simply wrongand Im certain of it. I did not authorize or initiate whats being reported, and it should never have shown up under my name in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KS

Complaint narrative:
Someone stole my name, phone number, address, and credit card number and made unauthorized purchases at XXXX on my Discover Card. They used a fraud which sent two small items delivered to my house ( without invoice or receipt ) and spent the rest of the money delivering gift cards to an email address not associated with me or any member of my family. When I received a second item, and the delivery person could not provide me with any information, I called XXXX to figure out what was happening. It was then I also found two charges to my Discover Card. I immediately changed the password on my XXXX account, even though those purchases did not actually show on my XXXX account. 

When talking to XXXX, I also found out that this person had created their own XXXX account with my information but his/her email and unique log in and password. As a result, I did not have any access to this account to see the activity. However, since my card was being used, they stopped ( I thought ) a 3rd purchase and closed this account. XXXX refused to provide me with the information on the basis that it was not my account. 

At this time, I also called Discover to report my number as compromised, get a new credit card number and card, and dispute the purchases as I did not make them. Discover claims to have a {$0.00} fraud liability guarentee. The requirements only state you have to make a good faith effort to protect your card from fraud. It does not include fine print ( at least accessible on their website ) stating the fraud is only protected under certain types or purchases, stores, etc. 

These disputed charges were then referred to Discover Card 's fraud investigation department. They called me and I have spoken with them a number of times. Each time they take my information and hear my story and tell me to wait 30 days for a letter in the mail with their decision. 

Discover has rejected my claim based from what I can see on the fact that I had also previously purchased something from XXXX. This was only one purchase in 2024 in the summer for shorts for my daughter. And this purchase was on my actual XXXX account which I am allowed to see as I set it up. 

I asked them to look at it again. Multiple times. The last discussion I had with them included the information from Discover that the fraudster used an email XXXX to purchase gaming gift certificates for gaming equipment I don't even own. 

I disputed two charges. {$130.00} and {$180.00}. When Discover decided they weren't covering my loss, they recharged my account {$130.00}, {$180.00}, and {$90.00}. I never saw nor disputed this charge and don't even know what that is. They did give me some credit for {$25.00}. No idea what that number is either. 

I would just like discover to honor their fraud protection guarentee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
REBUTTAL TO FALSE CLAIMS CFPB CASE # XXXX Date : XXXX XXXX 2025 To Whom It May Concern, This is a formal rebuttal to the XXXX XXXX 2025 response submitted by LVNV Funding LLC and Resurgent Capital Services L.P .

Their claim that a debt validation letter was mailed to me is entirely false. I have never received any such communication, and no proof of delivery or tracking was provided to support this claim. This constitutes a misrepresentation and an attempt to bypass federal debt collection laws.

Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, a debt collector must cease collection until proper validation is provided. No such validation has ever been received. Yet they continue to report this debt to the credit bureaus, in clear violation of both the FDCPA and the Fair Credit Reporting Act.

This is a third-party debt collector attempting to collect without proving ownership, without showing a signed contract or a breakdown of the alleged amount owed, and now making false statements to a federal agency.

I demand : Immediate removal of this account from all credit reporting agencies ; Full and complete validation of the alleged debt, including chain of title, contract, and account history ; Sanctions or penalties for knowingly providing false information in their response.

This company has failed to follow lawful procedures and continues to damage my credit with no basis. I ask that this case be escalated and resolved in my favor. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-01 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-01 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:
Subject : Urgent Request for Immediate Correction Under the FCRA Dear Sir/Madam, I am formally requesting an immediate investigation and subsequent correction regarding an account inaccurately reported as " delinquent '' on my credit report with your agency. This account is incorrectly reported, as XXXX accurately reflects the account as positive and current. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Late Paymente Date : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
This is in accordance with the Fair Credit Reporting Act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX has violated my rights. 

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 ) 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.

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 2025-05-01 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:
This is in accordance with the Fair Credit Reporting Act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX has violated my rights. 

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 ) 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.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I called in to file 4-5 disputed transactions and they never filed them and have my money still. XXXX is the agent who denied manager escalation and displayed call avoidance. I gave XXXX all the details of the transactions in dispute and he did not file the transactions. He wanted to transfer me to another department to do the whole process again. I had to call back four times due to agents hanging up on me and not wanting to file complaints or file my disputed transactions. I disputed around XXXX XXXX {$500.00} in transactions here the merchant did not fulfill the terms of the sales agreement and sold me items with less than the advertised percentage of the active ingredient. The advertising said levels were at 92 % the products I received were 77 %, 77 %, 84 %, 86 %, 88 % never the 92 % that I agreed to purchase. Chime also does not process disputes correctly. The full amount needs to be disputed and everytime Imfile a dispute they try to return only the difference of the overcharge when in California we get the full amount back and can collect XXXX the difference of the overcharge. They ran this pos transaction as atm withdrawl to increase charges. The company doing the overcharging and pos sales as atm withdrawls are also selling cannabis products in a county where it is illegal. I have reported this to the cannabis control board and nothing was done about it. The merchant did not fulfill the terms of the credit agreement and I am not going to argue for my money back from a retail business who is intentionally breaking the law daily for profit in XXXX, California which is partner XXXX XXXX and no XXXX  sales are even legal here. The company is also charging the tax code of another neighboring county not the county the purchases are being made in and they are not paying taxes on these sales as they are illegal. They charge grass valley tax where the business is located hen the sales are being made in XXXX XXXX. The retailer is XXXXXXXX XXXX XXXX  and it has XXXX locations all doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-01 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

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