vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SYNCB/Lowes ( Account # XXXX ) Reported as Closed and also as Open. 

Consumer Disputes After Resolution but negative marks remain. 

Shows inconsistent late history ( XXXX vs XXXX ). 

Violations : FCRA 1681i : Improper dispute resolution.

FCRA 1681s-2 ( a ) ( 1 ) : Reporting information known to be inaccurate.

Count : 2 violations AND TOTAL AMOUNT WOULD BE 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 2025-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024, I placed and paid for an order on XXXX. The seller provided a tracking number on XX/XX/XXXX, but the product did not arrive until XX/XX/XXXX, which is beyond XXXX XXXX guaranteed delivery period. On XX/XX/XXXX, after waiting past the delivery deadline, I informed the seller that I could no longer accept the product due to work obligations and requested a refund. The seller refused, insisted on shipping, and warned that if I requested a refund I would lose my money. 

I contacted XXXX customer service, who initially told me that my refund would be issued the following day. However, after more than 15 days of waiting, my refund was denied. I have preserved complete evidence, including screenshots of multiple conversations with the seller ( where they admitted the delay ) and with XXXX ( where they promised a refund ). 

I disputed the charge with my bank, but the bank denied my claim twice. The banks response included illegible documents and a delivery record showing the package was left at the door without signature, which does not prove receipt. The bank also incorrectly stated that I never contacted the seller, despite my documented communications. 

I am requesting that the CFPB require the bank to properly review the case, obtain clear and legible evidence, and issue a full refund of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681g, the disputed accounts should be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-18 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: MO

Complaint narrative:
I am formally disputing the inaccurate late payment entry appearing on my credit report. This reporting is false, as I have always made timely payments. Its presence misrepresents my credit history and unjustly damages my profile.

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 2025-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG Financial Services, Inc.
State: CT

Complaint narrative:
I am experiencing issues with CMG Mortgage regarding my loan modification and loss mitigation requests. I have started this process on XXXX XXXX, and CMG has not been able to truly help. My original payment is {$2800.00}, and the first offer on XX/XX/year>, was {$2800.00}, which was not much help with that offer, so I declined and asked to restart the process. Instead of CMG lowering my payment, they offered me a modification that increased it to {$2800.00} on XX/XX/year>, which is the recent offer that they claimed I denied, but all I did was send an appeal letter. CMG never requested or reviewed my financial documentationthey only took my information verbally over the phone once back in XXXX to initially start the process. Despite my debt-to-income being negative due to limited XXXX income, they did not verify anything. 
I appealed their decision, but they returned a denial almost immediately ( within three business days, which does not appear to be a meaningful independent review as required. Each time I attempt to apply for loss mitigation again, they never ask me for updated income or debt information, which raises concerns that my applications are not being properly evaluated.

I am requesting that the CFPB require CMG Mortgage to : Provide a full explanation of how my modification was calculated. 
Review my application with full documentation. 
Ensure my appeal rights are honored and that my loss mitigation rights are respected under Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-18 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: NJ

Complaint narrative:
This is now the 7th documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information.

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ).

The Metro 2 format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts currently appearing on my credit report. These accounts were never opened or authorized by me, and their inclusion is entirely false, misleading, and damaging. Their presence creates an inaccurate representation of my financial standing and unfairly undermines my creditworthiness.

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 2025-09-18 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
My access has been denied to log in to my account using computer and mobile app. I can't get account information, make purchases or payments. When I called the customer service number, I was told there was over a XXXX minute wait so I waited. At the XXXX minute mark, a recording came on with a survey asking if my issue was resolved. I NEVER spoke to anyone. After searching for reviews on Concora Credit Cards, I found NUMEROUS complaints about the same thing happening to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I requested that my payment of {$5000.00} made on XX/XX/XXXX be adjusted to paid-ahead status. In fact, I have to call in about every 3 months and request that my payments be placed in paid-ahead status. I was told on the phone that the request would take up to 30 business days. After calling on XX/XX/XXXX, I found out that the company had denied the application to change the payment to paid-ahead status and not sent me any letter or reason for the denial. When I called back to get help, they were unable to assist with anything other than resubmitting the request for paid-ahead status. This time the agent told me there would be a 90-day processing time. While I am waiting for this to occur, I am having to make monthly payments on my loans effectively, double-paying them. I feel like there should be clear communication for reasons for denial and a more expedited processing time. I can not afford to pay more than double my monthly payments, because of Mohela 's slow processing time and lack of communication with borrowers. This is unfair to vulnerable borrowers with limited options and financial insecurity.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Sent letter to company requesting info and letting them know that they broke several laws re the correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have appeared on my credit report. These accounts are false, unauthorized, and were never initiated by me. Their presence has caused significant harm to my financial credibility and has created a distorted reflection of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX DOB : XXXX Date : XX/XX/XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Follow-Up Dispute and Notice of CFPB Complaint To Whom It May Concern : This correspondence serves as a follow-up to my prior disputes regarding the inaccurate and unlawful reporting of multiple accounts on my consumer file. TransUnion, Equifax, and Experian have repeatedly failed to lawfully verify the information in question, instead re-aging accounts and misreporting tradelines in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Because the bureaus have refused to comply with their obligations under federal law, I have now filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). The complaint outlines ongoing violations of the following provisions : 1681e ( b ) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to conduct a lawful reinvestigation.

1681i ( a ) ( 5 ) Failure to delete unverifiable information.

1681c ( a ) ( 4 ) Re-aging of obsolete accounts beyond the 7-year reporting limit.

1681n & 1681o Willful and negligent noncompliance with the FCRA.

Accounts in Dispute : XXXX XXXX XXXX repeated charge-off reporting. 
XXXX XXXX XXXX XXXX unverifiable {$40.00} charge-off and possible double reporting. 
XXXX XXXX XXXX XXXX since XXXX yet updated balances shown in XXXX. 
XXXX XXXX XXXXXXXX XXXX notations creating false delinquency reporting. 
I demand immediate deletion or full correction of these tradelines. If no verification is provided, the bureaus must also remove and block the disputed items from reporting under their obligations in the FCRA. Failure to comply will be treated as continued willful noncompliance and will be pursued to the fullest extent under 15 U.S.C. 1681n & 1681o. All three credit bureaus are now on notice that this matter is under federal regulatory review. 
I expect a complete reinvestigation and written confirmation of deletion and blocking of unverifiable items within 30 days as required under 611 ( a ) of the FCRA. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I dispute the two ( 2 ) LVNV Funding collections [ account numbers removed ] being reported on my credit report. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year> I tried to deposit a check via mobile banking. The check was rejected. This is a check front an established business whos checks have cleared with no problems before. I called and they are saying they dont know why its rejected. Asked to speak with a supervisor who was of no help. Their solution is to drive an hour away to an atm. Why would they set up an account if youre not in my area or if you cant give me a solution. The check is in my business name so my personal back wont cash it. The supervisor was very rude and unprofessional. Refused to give me her name and hung up in my face. I can not drive an hour away to cash a check.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting an account that I no longer have responsibility for. The company itself has listed the account as charged off XX/XX/XXXX with {$4200.00} written off, yet they are still reporting {$3700.00} as past due as of XX/XX/XXXX. This is misleading and incorrect. Once an account has been charged off, I should not be reported as currently past due or responsible for future payments. This inaccurate reporting is damaging my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

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 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 2025-09-18 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:
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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: SC

Complaint narrative:
This is on my credit report and it is not mine, I am needing this removed from my credit report asap.

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