vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Subject : False and unverifiable collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account for XXXXXXXX XXXX XXXX with an open date of XX/XX/year> a future date. 
It is currently XX/XX/year>, which makes this entry factually impossible and a violation of federal reporting laws. 

This tradeline violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 607 ( b ) Failing to maintain maximum possible accuracy FDCPA 807 ( 2 ) ( A ) Misrepresenting the amount, character, or legal status of a debt FDCPA 809 ( b ) Failure to provide validation of the debt upon request I have * * never received any validation or itemized accounting * * for this alleged apartment balance, and no lease documents or final statement have been provided to verify the amount claimed. 

Additionally, the account is being reported as * * active and opened in the future * *, which is a clear data fabrication or system error. 
Under FCRA 611 ( a ) ( 1 ) ( A ), information that can not be verified must be deleted immediately. 

I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Provide a full validation package including signed lease, move-out statement, and payment ledger ; XXXX XXXX XXXX XXXX XXXX 2. Delete this unverifiable and inaccurate tradeline from all credit bureaus within 30 days. 

This false reporting is materially damaging my credit and preventing housing approvals.

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 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX, originally located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has continued to report my account as delinquent even though I previously sent a certified letter offering to resolve the balance. 

My letter included a proposed payment arrangement, but the company never responded or confirmed any agreement. Despite this, the account is still being reported as delinquent to the credit bureaus. 

Additionally, I have reason to believe the company changed or relocated from the original XXXX XXXX XXXX. XXXX address without notifying consumers, which has made communication and resolution difficult. This lack of transparency has prevented me from addressing the matter directly. 

I believe this reporting is inaccurate and unfair, as no active payment arrangement was in place and my certified letter shows a good faith effort to resolve the account. 

I request that the CFPB investigate this issue, contact the company for verification, and ensure that any inaccurate or unverifiable information is corrected or removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a complaint once before against the cash app in XX/XX/XXXX the case was closed but the problem was never resolved, since XXXX we have been going back and forth and yet nothing has changed. They asked for more information, which I provided all the info they requested. The money that was directly deposited into that account was deposited by XXXX it was my XXXX payments from XXXX of XXXX until XXXX of XXXX, after providing them with all the information to verify who I am with my Texas state ID front and back along with a picture of me holding my drivers lic,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I am disputing a XXXX late mortgage payment reported by XXXX XXXX XXXX account # XXXX XXXX XXXX acknowledges in its XX/XX/year> response letter that my XX/XX/year> payment delay occurred because of a verified medical emergency and hospitalization from XX/XX/XXXX XX/XX/year>. I had severe pre-eclampsia, a life threatening condition that resulted in the premature birth of my son. While hospitalized, I attempted to make the payment online on XX/XX/year> ; the transaction failed. As soon as I received a certified notice in XXXX, I immediately paid on XX/XX/year> and brought the account current. 
Despite providing hospital documentation, screenshots of my attempted payment, and proof of prompt correction, NewRez refused to make a goodwill adjustment. Their letter claims they can not XXXX exceptions because they must report accurate information. However, the Fair Credit Reporting Act does not forbid post-reporting goodwill corrections in legitimate hardship casesespecially when the servicer verified the emergency and the borrower has a XXXX history of on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. 

Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.

Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.

Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries 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 2025-11-09 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:
Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. 

Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.

Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.

Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime
State: FL

Complaint narrative:
Drive Time {$6000.00} they were threatening to take to court by the second creditor which I have proof that was paid on through another creditor

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Went to a dealership on XX/XX/year> where they ran my credit into the system without my permission. They ran into these banks called Fulton Fin C, XXXX XXXX, XXXX XXXX XXXX, and 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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
I applied for a Care Credit card in order to purchase an expensive item interest free over XXXX  months. Synchrony Bank issues Care Credit card. My application was approved immediately over the phone and I was given an account number and told I could use the card immediately. I purchased my item and was then inundated with phone calls and emails and letters from Synchrony asking for verification of my identity I emailed leadership including XXXX XXXX XXXX of Synchrony Bank, XXXX XXXX and XXXX XXXX and asked them to stop all the excessive inquiries. I received a generic automated response that my email had been received. 
I then received a paper statement from Synchrony with a minimum payment due amount which did not match the monthly payment amount I had entered into my Synchrony account. The paper statement informed me there would be a {$1.00} charge since I was not enrolled in paperless. I had tried to enroll in paperless but Synchrony Bank does not provide this option for customers. They have a link which takes you to an agreement statement but does not allow you to sign thus a customer can not be enrolled in paperless statements because Synchrony does not provide the option. I spoke with XXXX customer service representatives online via chat who informed me they had made the request and I would be enrolled in XXXX days. I sent another email to leadership members listed above explaining the situation and requesting written confirmation that I was enrolled in paperless statements and not to charge me {$1.00} for a paper statement. I again received an automated response that my email had been received with no follow up. Today I logged into my Care Credit/Synchrony Bank account and found I am NOT enrolled in paperless statements despite numerous written requests to do so. Synchrony Bank/Care Credit does not reply to customer concerns directly. I should be able to login to my account and enroll in paperless myself but can not and Synchrony does not implement requests.

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 2025-11-09 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: NY

Complaint narrative:
I am filing this complaint because TransUnion continues to report multiple unverified and inaccurate collection/charge-off accounts under my credit profile that have not been properly validated or substantiated. The accounts in question are as follows : Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$1500.00} XXXX XXXX  These accounts are being reported with serious derogatory statuses and balances, yet no supporting documentation or proof has been provided to verify that these debts are valid, belong to me, or are being accurately reported. I have not received any original signed agreement, payment history, or written verification from XXXXXXXX XXXX XXXX XXXXXXXX. or its collectors to establish ownership or authenticity of these accounts.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), furnishers and credit reporting agencies are required to ensure that any reported information is accurate, verifiable, and based on credible records. The law also states that upon a consumers request for validation, the collector or furnisher must provide supporting documentation within 30 days. If they fail to do so, they are legally obligated to delete or correct the item from the consumers credit report. 

TransUnion has allowed these entries to remain active despite a lack of validation and verification. This is a violation of my rights under the FCRA and FDCPA, as it results in the reporting of unverified, misleading, and potentially false information. The continued reporting of these accounts without evidence reflects negligence and noncompliance with the accuracy and reinvestigation requirements established by law.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: NC

Complaint narrative:
CarMax Auto Finance ATTN : Credit Reporting / Compliance Department Re : Incorrect Charge Off Reporting Formal Demand for Validation I am currently disputing your reporting of an auto loan account you are furnishing to the credit bureaus as Closed Charge Off.

This vehicle is still currently in my possession. I have not voluntarily surrendered the vehicle, and the vehicle has not been repossessed, disposed, sold, or legally transferred. Reporting a charge off prior to collateral disposition is both misleading and inaccurate.

Under FCRA, FDCPA, and North Carolina UCC Article 9 ( NCGS 25-9-611 / 25-9-616 ), provide ALL of the following : 1. The original signed retail installment contract 2. Full accounting breakdown explaining how the alleged charge off balance of {$29000.00} was calculated 3. Documentation of lawful disposition of collateral ( which can not exist because collateral still remains in consumer possession ) 4. Legal chain of title and authority to charge off a secured loan prior to collateral transfer 5. All servicing notes showing how you determined the account to be legally eligible for charge off status Until full validation is provided, you must immediately correct and delete this inaccurate furnishing. 
Failure to correct unlawful reporting will result in a formal complaint being filed with the CFPB, NC Attorney General, and FTC. 

Sincerely, XXXX XXXX XX/XX/year> SSN Last 4 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NY

Complaint narrative:
I recently discovered several fraudulent accounts appearing on my credit report that I did not open or authorize. These include student loans and collection accounts reported by XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have never had any accounts with these companies, and I did not consent to these debts. 

I filed a formal identity theft report through XXXX and attached it with my credit bureau disputes. Despite providing documentation, these accounts continue to appear on my report and are harming my credit. I am requesting that these fraudulent accounts be removed and that the companies stop reporting inaccurate information. 

The fraudulent accounts were discovered in XXXX, XXXX, and I immediately contacted the credit bureaus and filed disputes. I am submitting this complaint because I have not received proper resolution or verification from the companies involved.

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 2025-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
You are saying that the payment was made to the insurance company. I've told you that I paid myself out of my pocket the insurance and now you are saying that I will receive the refund from the insurance company.. there's a disconnect here .. plus I had to pay a fee of {$26.00} to reinstate my insurance because of your lack of payment and carelessness. I have been dealing with this since XXXX ( see attached email sent to you back in there in consideration to your request ) and it took you almost XXXX months to figure it out things. I demand that you pay me that amount via direct deposit immediately plus reasonable compensation for the time spent on this. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital XXXX XXXXXXXX XXXX XXXXXXXX and am receiving a promotion 0 % APR on my current balance. However, the statements on online account does not show the promo interest rate expiration date. This is deceptive because consumers are unable to see when the account XXXX will increase, and are unable to plan to pay off the balance when the 0 % XXXX expires until they get a future statement with the updated higher XXXX after the unknown future date. 

When calling Capital One, they have outsourced illiterate people in foreign countries that are also illegal scammers that XXXX  as robo callers. Members of our household have been scammed by these people who previously worked in outsourced call centers hired by American companies, like Capital One! Therefore, I do not want to ever call and speak to outsourced call centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
Dear XXXX  I am writing to formally dispute the accuracy of the following information appearing on my credit report. This letter is being sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], which entitles me to dispute any information I believe to be incomplete, inaccurate, or unverifiable. 
The item I am disputing is as follows : Creditor Name : XXXX Account Number : XXXX Type of Account : Credit Card Reported Status : Charge-Off Date Reported : XX/XX/year> This account is being inaccurately reported as a charge-off. I request that this entry be investigated and verified in compliance with the FCRA. If the creditor or data furnisher can not provide proper verification and documentation such as signed agreements, full account histories, and evidence supporting the accuracy of the charge-off then this item must be corrected or deleted from my credit file. 
Under FCRA 1681i, you are required to complete your reinvestigation within XXXX  days of receiving this notice and provide me with written confirmation of the results. Please also send an updated copy of my credit report reflecting any changes made.

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 2025-11-09 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: LA

Complaint narrative:
I've contacted cash app everyday since XXXX XXXX. XXXX. 
The last contact with cash app was XX/XX/year>. 
I haven't received and update due to my case nor any help. I've submitted every form and document the was asked of me. I've taken many action to recover my lost funds. I need cash app information to take legal action! 
As soon as possible. Because anything isn't getting resolved. But keep receiving emails from different agent telling me they close my case. When I've submitted every proof and document they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. The same debt appears to have been reported XXXX by XXXX different collection agencies. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Absolute Resolutions Amount : {$1500.00} Both entries refer to the same account, which is misleading and negatively impacts my XXXX XXXX. Only XXXX agency should be reporting this debt. 

I request that you investigate this matter and remove the duplicate entry from my credit report. Ive included supporting documentation to assist with your review. 

Thank you for your time and prompt attention to this matter. Please provide me with written confirmation of your findings and any corrections made.

Company response to consumer: Closed with explanation