vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
THIS COMPANY SOURCE RECEABLE MANAGMENT IS SAYING THAT I OWE XXXX XXXX WHICH IS NOT MY DEBET

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Since XX/XX/year>, I have sent multiple written disputes to TransUnion regarding inaccurate reporting of a XXXX XXXX XXXX XXXX account ( XXXX XXXX XXXX Despite providing documentation, TransUnion has failed to conduct a proper reinvestigation or provide the method of verification as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

TransUnion continues to report inaccurate information that Equifax has already deleted after their own investigation confirmed it was unverifiable. This demonstrates TransUnions violation of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ). I also filed an arbitration case with the XXXX XXXX XXXX ( XXXX ), but TransUnion failed to respond, causing the case to be administratively closed a breach of their own arbitration agreement and the Federal Arbitration Act ( 9 U.S.C. 116 ).

TransUnions continued noncompliance has caused me financial harm, credit denials, stress, and emotional distress. I am requesting that the CFPB :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Prince Parker & Associates
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine.

Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
his letter constitutes a formal request for complete validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 809 ( b ) and 15 U.S.C. 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Im submitting this complaint due to ongoing issues with USAA Federal Savings Bank related to my auto loan. Despite making multiple payments in XXXX including in XXXX, XXXX, and XXXX those payments have not been accurately reported to the credit bureaus. USAA has refused to provide me with a full ledger showing how my payments have been applied and continues to send vague, delayed, or incomplete responses to my formal disputes mailed on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I discovered that my auto loan no longer appears in the USAA app at all leaving me unable to make payments or view my loan information, yet they continue to call me repeatedly and send letters from the CEO 's office, all while denying me access to basic account information such as my payment history. 

I was previously told that my mailed dispute letters were not received, but now they are acknowledging receipt months later long after deadlines have passed and without addressing my actual concerns. In addition, USAA has denied me access to their hardship plans without ever providing the eligibility criteria. I was told in early XXXX that I had been approved for hardship assistance, only to be told weeks later that I was not with no documentation or explanation. 

Ive tried for months to resolve these issues with USAA directly. I contacted the XXXX XXXX XXXX XXXXXXXX, which confirmed that this falls outside their jurisdiction and referred me to the XXXX XXXX XXXXXXXX XXXX and Innovation ( DFPI ) and to your office. I am now filing this complaint with the CFPB while also following up with XXXX. 
I am requesting that the CFPB investigate USAAs mishandling of my auto loan account, their failure to report payments accurately, their refusal to disclose hardship plan criteria, and their obstruction of my access to account records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing {$140.00} in interest charges applied to my XXXX credit card ( issued by Synchrony Bank ) despite selecting the 12-month financing option at the time of purchase in late XXXX or early XX/XX/XXXX. I was initially approved, then denied, and later re-approvedresulting in multiple hard credit inquiries that negatively impacted my score and had to be disputed. 

I never received the original card and was issued a new one. I believe my payments were not properly transferred between the two accounts. I had to make several calls because my balance didnt reflect what I had paid, and I was told the issue stemmed from the original payments not being correctly applied to the new card. I was also unknowingly enrolled in paperless billing, which I can not manage due to age-related limitations, and was locked out of my account. When I asked to return to paper billing, I was told it would cost {$1.00} per statement, adding another barrier to basic account access.

I consistently paid more than the minimum and expected the account to be paid off by XX/XX/XXXX. When I discovered the interest charges on my credit report, I spent over an hour trying to reach customer service. I was hung up on four times before finally reaching someone who transferred me to XXXX, a supervisor. She was dismissive and unwilling to help. I was shocked to learn I had been charged {$140.00} in interest on XX/XX/XXXX, despite my efforts to avoid it. 

I have a XXXX credit score, a perfect payment history, and am on a fixed income. I am requesting a one-time courtesy adjustment and a full review of my account history to correct the damage caused by these errors. While I believe a full reversal of the {$140.00} interest charge is warranted, I would be willing to accept a partial refund ( e.g., 50 % ) as a gesture of goodwill, provided it includes acknowledgment of the account errors and confirmation that all payments were properly transferred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested a chain of title, validation of debt and which this company did not provide legal documentation on this issue, and there were also inaccuracies under XXXX metro characters positions : XXXX, XXXX, XXXX, XXXX, and XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WI

Complaint narrative:
Today on XXXX is another example that occurred shortly after XXXXXXXX XXXX  central time at a XXXX gas station. An employee was attempting to use their credit card to purchase fuel and the card was declined. The attendant at the fuel station tried the card several times and it was declined each time. XXXX services is indicating they did not decline the card. Then after speaking to someone else they said the card was not activated which I tried explaining multiple times that he made purchases with the same card earlier in the day and clearly are showing on the account when I log in online. This has been a constant issue with our business account for over XXXX years and no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: WA

Complaint narrative:
b'I am submitting to formally dispute inaccurate address information appearing on my Experian consumer \nfile and to request that you correct and update my file in accordance with the Fair Credit Reporting \nAct (FCRA). The address currently reported that does not belong to me is: \nCorrect address to be added / updated:  \n12111 104th Ave E Apt E102 Puyallup, WA 98374 \nInaccurate address to be removed:  \nPO BOX 98353 TACOMA, WA 98496-8353 04/2025'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I believe I was misled on my auto financing with Westlake Financial. The car was sold for significantly more than its market value, and Im paying excessive interest despite making consistent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Trans Union continues to report on my credit report even though these collections are in dispute which is a direct violation of the fair credit reporting agency act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, I entered into a promotional financing agreement for a {$14000.00} loan through Synchrony Banks Pay Later product, offered by XXXX XXXX. The promotional terms included XXXX  months of no interest and no penalty for early payoff. I agreed to replace both units only because of this promotional financing. The loan was set to be paid off within the promotional period, and auto-pay was enabled from the start with monthly payments of {$370.00}. 

In XX/XX/XXXX, Synchrony transitioned servicing, and auto-pay failed to transfer a known issue confirmed by XXXX hardship department as affecting many customers. I was traveling abroad from XXXX to XXXX and did not receive any communication from Synchrony during that time. Upon returning on XX/XX/XXXX, I discovered missed payments and a negative credit report entry. 

I immediately contacted Synchrony and was told by a representative that I had XXXX days to pay off the principal and that no interest would be charged due to my intent to pay off. I was given a payoff amount and told the account would be noted accordingly. 

Here is a breakdown of interest charges and payments : XX/XX/XXXX : Interest charged {$270.00} XX/XX/XXXX : Interest charged {$280.00} ( no payment received ) XX/XX/XXXX : Interest charged {$280.00} XX/XX/XXXX : I submitted {$1100.00} to bring the account current XX/XX/XXXX : Returned from travel and contacted Synchrony XX/XX/XXXX : I submitted a payoff of {$5700.00} XX/XX/XXXX : Interest charged {$220.00} XX/XX/XXXX : Monthly payment {$370.00} XX/XX/XXXX : Interest charged {$130.00} XX/XX/XXXX : Monthly payment {$370.00} Despite paying off the principal, Synchrony added over {$5000.00} in interest to the account, claiming it was for the full loan term ( XXXX XXXX XXXX XXXX XXXX ). I escalated the issue multiple times. Managers acknowledged poor account notation and submitted internal complaints, but interest continues to accrue while I await resolution. Ive received no formal complaint acknowledgment or documentation. 

As of XX/XX/XXXX, the total loan balance is {$5900.00}, which is entirely interest-based. A representative confirmed that internal changes and issues have been occurring since XX/XX/XXXX. Every time I call, Im bounced between departments, and the notes on my account do not align with prior conversations. Ive made every effort to resolve this and pay whats fair, but the system has failed to protect me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
: Formal Billing Error & Late Payment Dispute Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please update these billing errors i am formally disputing the inaccurate reporting of alleged late payments on the above-referenced account. The reported late payments are the result of a billing error and constitute violations of both federal law and your obligations as a furnisher of credit information. 
Under the Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ), a billing error includes, but is not limited to : - A charge that was not made by me.

- A charge that was not properly credited.

- A charge for which I requested clarification or documentation.

- Any other error in the billing statement.

By reporting late payments while the account is under dispute and while billing errors exist, you are in violation of the FCBA.

Furthermore, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers are prohibited from reporting information they know or should reasonably know is inaccurate. Specifically : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher shall not furnish information that it knows or has reasonable cause to believe is inaccurate.

- 15 U.S.C. 1681s-2 ( a ) ( 2 ) If an account is disputed, the furnisher must not report it without noting it is in dispute.

15 U.S.C. 1681s-2 ( b ) Upon notice of a dispute, the furnisher must investigate, review all relevant information, and correct or delete inaccurate information.

You are also in violation of : - 15 U.S.C. 1666 ( c ) A creditor XXXX not threaten to report or actually report a disputed amount as delinquent while a billing error investigation is pending. 
- 15 U.S.C. 1681i The credit reporting agencies must delete or correct inaccurate or unverifiable information within 30 days of a dispute.

Because you have failed to comply with federal law, I am demanding the immediate removal of all late payment notations tied to this account from all consumer reporting agencies.

Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also pursue all available legal remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for civil liability, statutory damages, attorneys fees, and costs for willful and negligent noncompliance. 
You have 30 days from receipt of this letter to delete these inaccurate late payment entries and provide written confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Deletion of Unauthorized Hard Inquiries Reference : FCRA 604 and 611 To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute and request the deletion of all unauthorized hard inquiries listed on my Experian credit report. My identifying information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer report may only be accessed under permissible purposes, such as with my written authorization or in connection with a credit transaction initiated by me. Any inquiry appearing on my report without my consent or a permissible purpose violates federal law. In accordance with FCRA 611, I am formally disputing the validity of these inquiries. I request that Experian conduct a reinvestigation to verify each inquiry. If Experian or the furnisher can not provide documentation with my explicit written authorization for any inquiry, those inquiries must be deleted immediately. Please complete this reinvestigation within the XXXX period required by law and send me written confirmation of your findings. If Experian fails to verify the legitimacy of these inquiries, I expect their prompt removal to maintain compliance with the Fair Credit Reporting Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am submitting this sixth follow-up complaint as a concerned consumer regarding multiple accounts that continue to be inaccurately reported on my credit file. Despite several prior disputes, these items remain on my report, misrepresenting my financial history and damaging my credit reputation. I am formally requesting their permanent removal under my rights established by the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being reported inaccurately : XXXX  XXXX XXXX, Balance Owed : {$22000.00} reported as Charged Off. No IRS Form 1099-C or supporting documentation has been provided to verify this debt. Reporting a charged-off account without proper documentation violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} reported as Charged Off. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} reported as Charged Off.

In addition to these account inaccuracies, my credit file includes multiple unauthorized or unverifiable inquiries, which were not initiated or approved by me. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are being reported in violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), which prohibit access to a consumers credit file without permissible purpose, and FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking or removal of unverifiable or unauthorized information.

Company response to consumer: Closed with explanation