vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
This specific complaint is directed towards PayPal who was the credit issuer used to make the original purchase from merchant. Filed a case with PayPal to receive a refund for returned merchandise that I had sent back to seller. PayPal has denied my refund request several times already. The reason they are giving me is that I have not provided the valid tracking information to show that the merchandise has been returned to merchant. This is false. I have provided them the correct tracking information which shows the merchandise was indeed shipped back to and received by seller on XX/XX/year>. PayPal is unethically demanding that I still have to make payments on this purchase even though it clearly shows proof that the merchandise was sent back to seller within the proper time frame. On XXXX, I received a notification from PayPal that I would receive a full refund as soon as I sent them the valid tracking information that shows merchandise was sent back to seller, which I have already done in a timely manner but no refund was ever issued to me by PayPal. My PayPal case # on this matter is 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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to formally notify you that the above-referenced account is fraudulent and was opened without my knowledge or authorization. I have never had any relationship or account with Columbia Debt Recovery or the original creditor, XXXX XXXX. This account is therefore a result of identity theft. 
Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 6 ) ) and FCRA 605B, I am exercising my rights as a consumer to demand that you : Cease all collection activity related to this account.

Remove all references to this account from any credit reporting agency. Provide written confirmation that this account has been deleted and that no further reporting will occur and they never said anything back,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Approximately 2 weeks ago, I applied to CMS.gov for XXXX  Certification to be able to provide insurance coverage during open enrollment. Experian Credit Support Team were unable to identify me as part of the application requirements. My date of birth/year of birth was not listed on my Experian Credit Report. I was asked to send in a copy of my Driver 's License, Birth Certificate, Social Security Card. That information did not satisfy my authentication. I was asked to follow up with Experian Credit Bureau to have my date of birth added to m credit report. ( Not sure why it was not listed initially ). No one at Experian was able to update my birthday. I kept calling back until someone agreed to update my birthday in the Experian System. The Experian Support Team still did not authenticate my identity. I sent screen shots of my URl for Experian website for proof of where I was sending information from. I sent screen shots of my credit report and the various dates of attempting to update the information to CMS.gov to authenticate my identity. I contacted the IRS and completed identification with them via zoom for the id.me verification process. I was identified by the IRS and I submitted that information to CMS also. I have gone back and forth with submitting documentation for my identity, only to remain unidentifiable. I need help getting identified for CMS and my Experian Credit Report updated to reflect my date of birth for verification authentication.

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 2025-11-01 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and misleading items appearing on my credit reports, which are severely impacting my creditworthiness and financial standing. Despite my efforts to have these inaccuracies corrected, the reporting entities have failed to provide verifiable proof or make the necessary corrections. 

Below are the specific issues I am disputing : Wrong Address Reported : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This address is being reported incorrectly and is not associated with me. This error creates confusion and misrepresentation in my credit file. 

Late Payment XXXX BANK XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$2600.00} This account is inaccurately showing late payments. I have never made any late payments to this creditor. The payment history being reported is false and unverifiable, and I am demanding immediate correction to reflect an accurate, on-time payment history. 

Late Payment XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$37000.00} This account is also reporting late payments that never occurred. I have maintained all payments in a timely manner, and the negative reporting is erroneous. I request the CFPB to investigate this matter and compel the furnisher to correct these false entries. 

Charge-Off XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$3400.00} This account is being reported as a charge-off, which is completely inaccurate. I have no knowledge of this account and have never entered into any agreement or obligation with this entity. Therefore, I am requesting the immediate deletion of this account from my credit file as it can not be verified. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, which require that all information furnished to consumer reporting agencies be accurate, complete, and verifiable. I request the CFPB to open an investigation into these matters and compel the data furnishers and credit bureaus to provide documented verification or remove the inaccurate entries immediately. 

I am attaching a copy of my identification and recent proof of address to verify my identity for this complaint. 

Thank you for your time and assistance in helping me resolve these serious reporting errors.

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 2025-11-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and Transunion both have inaccurate information on my credit report. Ive asked for a thorough investigation and proof it but none was given. They continue to keep this incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, Nelnet notified me that my XXXX  recertification was extended to XX/XX/XXXX, and stated that this extension would not affect my repayment status or monthly payment amount. I later received another notice on XX/XX/XXXX, extending the XXXX  recertification date to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notice that my XXXX  recertification was extended to XXXX and that my repayment amount would remain {$0.00}. I later received another notice on XX/XX/XXXX confirming my account remained in XXXX XXXX XXXX XXXX. During this time, my Nelnet account has consistently shown {$0.00} due, XXXX XXXX monthly payment, and a next payment date of XX/XX/XXXX. 

However, between XX/XX/XXXX and XX/XX/XXXX, my credit report showed interest capitalization and balance increases being reported as if the loan had entered repayment, which caused a significant XXXX XXXX drop. This reporting does not match the repayment status displayed in XXXX system. 

Loans in an XXXX  extension or XXXX  XXXX XXXX must be reported as deferred/forbearance with {$0.00} due. I am requesting correction of the account status reporting to match the system status and removal of the repayment/interest-related reporting from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY CREDIT REPORT WITH XXXX  AND EXPERIAN SHOWS A DEBT WITH COLLECTION AGENCY CALLED XXXXXXXX XXXX, THIS ACCOUNT LENDER ORIGINALLY IS XXXX XXXX XXXX  IN XXXX THIS YEAR XXXX  AND NEVER HAD ANY FINANCIAL RELATIONSHIP WITH XXXX XXXX AND XXXX XXXX XXXX  XXXX 
I DEMAND THAT EXPERIAN AND XXXX  REQUEST AND SEND ME A CONTRACT SIGNED BY ME WITH THAT COMPANY XXXX XXXX XXXX  VALIDATING THAT DEBIT, I HAVE REQUEST IT IN SEVERAL DISPUTES AND THEY HAVE IGNORED ME.I REQUEST YOUR DEPARTMENT ASSISTANCE IN REMOVING THIS UNFAIR COLLECTION FROM MY REPORT CREDIT AS IT IS NEGATIVELY IMPACTING MY GOOD CREDIT HISTORY

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 2025-11-01 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 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: Global Lending Services LLC
State: GA

Complaint narrative:
I recently inquired about getting an auto loan through XXXX  database. During the process they did not notify me as a customer that this will be a hard credit inquiry on my credit profile. The only thing that they stated is that they had a third party system that would a course see if I have offers to refinance my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I recently inquired about getting an auto loan through experian database. During the process they did not notify me as a customer that this will be a hard credit inquiry on my credit profile. The only thing that they stated is that they had a third party system that would a course see if I have offers to refinance my auto loan.

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 2025-11-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX early bird XXXX  check-ins for $ XXXX a XXXX flight. I am a XXXX XXXX XXXXXXXX XXXX card holder. The benefits include XXXX early bird credits applied as statement balance as stated in the cardmember agreement. There is no listed monetary limit for this credit either in the cardmember agreement or on their website/app for this benefit. On the same day, I received a {$100.00} statement credit. I called customer support to see where the additional {$20.00} credit was and they verbally told me the limit is {$100.00} credit. When asked to provide a section reference to this limit in the cardmember agreement, they directed me to the app benefits explanation section. The section does not define a monetary limit. The section reads : " XXXX XXXX XXXX : Each anniversary year, you will be reimbursed for the purchase of up to XXXX XXXX Check-In services made with your XXXX XXXX XXXX XXXX Credit Card XXXX Each XXXX Check-In service means a purchase made for XXXX XXXX one-way, per Passenger. Anniversary year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. If you switch to this product from another Chase credit card, your account open date is the date the switch to the XXXX XXXX XXXX XXXX Credit Card is completed. XXXX XXXX provides automatic check-in before the traditional XXXX check-in and can be purchased as part of the original flight purchase or added to a flight after purchase. Price of XXXX XXXX XXXX vary. XXXX credit ( XXXX ) will post to your account the same day your purchase posts to your account and will appear on your monthly credit card billing statement within XXXX weeks. Account must be open and not in default at the time the statement credit is posted to your account. XXXX credits will be issued for the anniversary year in which the transaction posts to your account. For example, if you purchase XXXX XXXX and XXXX does not post the transaction until after your current anniversary year ends, the cost of the XXXX XXXX services will be allocated towards the following year 's maximum of XXXX services. More information can be found at XXXX. Please note that this benefit will not apply to flights with assigned seating in XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Regarding : Capital One ( Credit Card Division ) Date of Incident : XX/XX/year> [ If Capital Application ID XXXX Details of Complaint ( Deceptive Advertising & Unauthorized Hard Inquiry ) : I am filing this complaint because Capital One engaged in deceptive advertising, which directly led to an unauthorized hard inquiry on my credit report. 
XXXX. The Deceptive Advertisement : On XX/XX/year>, I interacted with an online advertisement for a Capital One credit card. The advertisement explicitly stated that checking if I " pre-qualified '' would NOT affect my credit score ( i.e., it promised a soft credit inquiry ). I possess a clear screenshot of this misleading advertisement. 
XXXX. Failure to Complete Application : I proceeded with the pre-qualification process but stopped the application immediately upon viewing the terms. The product was a secured card with an interest rate of approximately 30 %. I never clicked the final " Submit, '' " Authorize, '' or " Accept '' button to finalize the application or authorize a full credit pull. 
XXXX. The Unauthorized Hard Inquiry : Despite stopping the process before authorization and relying on the deceptive promise of a soft pull, Capital One placed a hard inquiry on my credit report. This hard inquiry resulted in a drop of XXXX points on my credit score. 
XXXX. Company Non-Compliance : When I contacted Capital One to dispute the unauthorized hard inquiry and the fraudulent soft-pull claim, the representative dismissed my concerns and told me to contact the FTC. Furthermore, several days after my dispute call, I received a congratulatory letter from Capital One approving me for the secured card I never submitted an application for, instructing me to send a {$200.00} deposit. 
Demand : I request someone investigate Capital One 's deceptive advertising practices that promise no credit impact for pre-qualification checks, and that Capital One be compelled to remove the unauthorized hard inquiry and the corresponding secured card approval from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I received an electronic email from XXXX XXXX stating that they were attempting to collect a debt for XXXX. In XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX to obtain a final disposition of charges letter and explanation has I requested explanation of charges that occured on the rental account almost a month after I had already left the property. The property was vacated on XX/XX/XXXX, however, {$500.00} and fees were not added to the account until XX/XX/XXXX. On XX/XX/XXXX I emailed XXXX XXXX and requested a finalized disposition letter for my account for which she stated she thought it had already been sent and would get it right out to me. I never received the requested finalized deposition letter with all explanations via usps mail nor email. I again reached out XX/XX/XXXX to property XXXX XXXX XXXX and I have still not received a response nor a formal disposition of charges letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am submitting this complaint because my consumer rights have been violated through the inaccurate and unlawful reporting of a collection account and an unauthorized inquiry on my credit profile. The information listed below is being reported in error and is damaging my creditworthiness. I am requesting a full investigation, deletion of the inaccurate data, and enforcement action against the responsible parties for noncompliance with federal laws. 

XXXX XXXX Late Payment High Balance : {$300.00} Date Opened : XX/XX/XXXX This late payment is inaccurate and unverified. No payment history or documentation has been provided to support it. Under FCRA 609 ( A ) and 611 ( A ) ( 1 ), unverifiable data must be deleted to maintain accuracy and compliance. 

XXXX XXXX XXXX Late Payment High Balance : {$700.00} Date Opened : XX/XX/XXXX The bureau failed to provide proof validating this late payment. Continuing to report it without verification violates FCRA 616 and 623 ( A ) ( 1 ) ( A ). This information is damaging and must be deleted immediately. 

XXXX XXXX XXXX XXXX Charge Off High Balance : {$12000.00} Date Opened : XX/XX/XXXX This charge-off remains unverified. No supporting records or ownership documents have been produced. Under FCRA 611 ( A ) and 607 ( B ), unverifiable or incomplete information must be removed. 

XXXX XXXX XXXXXXXX Collection High Balance : {$950.00} Date Opened : XX/XX/XXXX This collection account is reported without any validation. Under FDCPA 809 ( B ) and FCRA 609 ( A ), I have the right to full proof of debt, which has not been provided. It must be deleted as unverifiable and misleading. 

XXXX, XXXX XX/XX/XXXX This inquiry was made without my consent or permissible purpose, violating FCRA 604 ( A ) ( 2 ). It must be removed for being unauthorized and misleading. 

XXXX XXXX BANK XXXX XX/XX/XXXX This inquiry is unauthorized and lacks written permission. FCRA 604 ( A ) ( 3 ) requires a permissible purpose, which does not exist here. Immediate deletion is required. 

These violations represent clear noncompliance with the federal laws designed to protect consumers from inaccurate reporting and privacy breaches. The collection agency and the inquiry source have both failed to uphold their duties of accuracy, validation, and permissible purpose. I request the CFPB to investigate both entities, require correction or deletion of these items from all credit bureaus, and ensure compliance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief