vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
The XXXX XXXX got This repossession occurred during the XXXX ( coronavirus ) pandemic, a time when I experienced significant financial hardship due to circumstances beyond my control. The pandemic caused unexpected loss of income and severe financial strain, which directly impacted my ability to maintain payments at that time. 

Since then, my financial situation has stabilized, and I have worked diligently to improve my credit and meet my financial obligations responsibly. In light of the extraordinary circumstances surrounding the XXXX pandemic, I respectfully request a goodwill adjustment and the removal of this repossession from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX citi cards reported open account, I did not open one , never received benefits , this account isnt mine and must 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 2025-12-28 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX  citi cards reported open account, I did not open one , never received benefits , this account isnt mine and must 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX and Experian are reporting inaccurate and impossible information on my credit report. This account was closed and settled prior to the reporting period, yet Experian continues to report ongoing monthly charge-off ( CO ) activity after closure. A closed and settled charge-off account can not legally continue to update monthly, report new delinquencies, or reflect future-dated charge-off activity.

Experian previously completed a reinvestigation and marked this account as verified, however the information being reported is internally inconsistent and not capable of being accurate. The continued reporting of charge-off status after settlement constitutes inaccurate account status and ongoing re-aging.

This violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( failure to properly reinvestigate disputed information )XXXX XXXX has already reviewed this same account and removed it after CFPB involvement due to the same inaccuracies. I am requesting that Experian be required to either produce verifiable proof supporting the ongoing charge-off reporting or remove the XXXX account entirely from my Experian credit report.

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 2025-12-28 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
this account is inaccourately reported as unpaid/in collection. the debt was fully paid on XX/XX/year>, to XXXXXXXX XXXX XXXX XXXX. Payment Confirmation # XXXX. They provided a Notorized letter of Discontinuing Collection Activity as attached. Please Update the status to fully paid, {$0.00} balance to ensure complete and accourate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am disputing the accuracy of my phone number with LexisNexis Risk Solutions under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The current information is outdated. I have attached a formal letter with my full SSN and DOB, along with my ID and a phone bill to verify the correct information. Please update my file immediately.

I have also requested similar updates across other secondary reporting agencies to ensure my consumer identity is consistent and accurate across the marketplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
To Whom It May Concern, I am formally responding to the companys statement that this complaint does not belong to them. 

This response confirms my position that the account is * * being reported inaccurately * * and * * can not be verified by the reporting entity * *. 

I contacted the original creditor directly and was advised that : My file is not in their office They are unable to provide documentation regarding the post-sale balance No written charge-off or deficiency balance documentation can be produced Despite this, the account continues to be reported on my credit reports. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), any company reporting information must be able to * * verify ownership, accuracy, and completeness * * of the account. If a company states it is * * not the appropriate party * *, then it * * does not have the legal authority to report this account * *. 

Because the reporting entity has disclaimed responsibility and can not verify the debt, I am demanding the following : XXXX. Immediate deletion of this account from * * Equifax, Experian, and TransUnion * * XXXX. Written confirmation that the account has been removed XXXX. Confirmation that no further reporting will occur If this account remains on my credit report without proper verification, I will pursue further remedies available under the FCRA, including escalation through the CFPB and state regulatory agencies. 

This account must be * * deleted * *, not updated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
Please be advised that the student loan accounts associated with XXXX XXXX were legally XXXX and written off pursuant to the approval of my XXXX XXXX. Despite this discharge, these accounts continue to be reported on my credit reports as past due with ongoing late payment activity. This reporting is inaccurate, misleading, and is causing ongoing harm to my credit standing. 

I formally request the immediate removal of these XXXX accounts from all consumer credit reporting agencies and confirmation that the debts will not be sold, transferred, or assigned to any third-party creditor or collection agency. The prior loan servicer for these accounts was XXXX, and the debts were fully XXXX. 

The XXXX accounts are identified by the following dates and amounts : XX/XX/XXXX ( {$6000.00} and {$3500.00} ) and XX/XX/XXXX ( {$1500.00} and {$2000.00} ). 

Please correct this matter without further delay and provide written confirmation once the inaccurate reporting has been resolved.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
I An unauthorized user transferred {$670.00} from your XXXX account to your Chime account and then to themselves, leaving you with a {$470.00} negative balance at Chime. While Chime denied your initial fraud claim and closed your account, XXXX is currently reopening your dispute based on new evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am writing to dispute an incorrect credit account that is listed on my credit report. According to my report, XXXXXXXX XXXX has reported a credit card account that I never applied for, activated, or used. The account is listed as XXXXXXXX XXXX XXXX, with account details including a balance of {$190.00} and a credit limit of {$1000.00}. 

I want to be absolutely clear : I never received this card, nor did I ever authorize or use it in any capacity. Additionally, I have never made any payments on this account, as I never had possession of the card in the first place. XXXX can not deny this fact. 

The account was opened without my consent, and I request that TransUnion immediately remove this account from my credit report. I believe this to be an error that should not be affecting my credit score or financial standing. 

Please investigate this matter thoroughly and ensure that all necessary updates are made to my credit report to reflect that I never opened or used this account. I would appreciate confirmation that the account has been removed from my report as soon as possible. 

For your reference, I have also raised this issue with XXXX, and I am requesting their confirmation that this account is erroneous. 

Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this issue. 

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 non-monetary relief
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken.

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 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted SoFi Bank customer support via their online chat feature to inquire about opening a joint account. I spoke with an agent titled " XXXX ''. This was the first time I had contacted SoFi support since opening my account approximately 6 months ago. During those 6 months, I received zero unauthorized contact or scam attempts related to SoFi or any other bank. 

Approximately 5 minutes after ending the support chat, I received multiple phone calls from XXXX ( XXXX ) XXXX claiming to represent SoFi Bank. I also received texts from the same person, but from a different number : XXXX ( XXXX ) XXXX. The caller specifically referenced in a voicemail that I had " just spoke with support online '' and that it was " about a joint account '' - the exact topic of my conversation minutes earlier. 

I did not provide my phone number during the support chat, as SoFi already had it on file from my account registration. I immediately suspected fraud and did not pick up any of the calls, answer any texts, or provide any account information to the caller. 

When I raised this security concern with another SoFi support agent titled " XXXX '', they dismissed it as coincidence and claimed scammers use " session detection scripts '' and " malicious tracking scripts. '' This explanation does not account for how the scammer knew : 1. That I had just been on a support chat ( not just browsing the website ) 2. The specific topic discussed ( joint accounts ) I made specific mention that the employee I spoke with in the first session ( XXXX ) should be investigated. My concerns were dismissed. 

The timing and specificity of this incident strongly indicates a breach of XXXX 's customer service systems, either through compromised support chat infrastructure, unauthorized employee access, or a database breach. 

Upon researching the phone number, I discovered it belongs to a known XXXX banking fraudster documented on numberguru.com XXXX XXXX XXXX XXXX XXXX described as someone who " hijacks bank phone lines and impersonates bank staff to deceive customers. '' I did not speak on the phone with SoFi bank at all during the first customer service chat session. How this fraudster was able to intercept SoFi 's supposedly encrypted customer service chat is in question and is very concerning.

SoFi 's refusal to investigate this as a potential security breach and instead deflecting with implausible technical explanations is deeply concerning. I am requesting a formal investigation into how my recent customer service interaction details were compromised, notification if my data was part of a breach, and confirmation of security measures being taken. 

I have run malware scans on my personal device ( clean results ) and have not experienced any similar incidents with other financial institutions. I use an XXXX device and do not use any browser extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
After thoroughly reviewing my Customer Reports, I discovered instances of late payments on an account for which I have maintained timely payments. It is under my understanding that Consumer Reporting Agencies play a vital role on accurately reporting customer information. It is crucial for me as the consumer to view accurate information. 
The initial instance is the different credit scores from each agency - XXXX vs XXXX vs XXXX. I have never missed a payment on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have caused inability to refinance, buy a home, etc. I request thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to present such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding Synchrony Banks failure to issue a credit balance refund on a closed XXXX XXXX account ending in XXXX, despite repeated notifications and inquiries over a period of approximately XXXX  months. 

Synchrony applied Servicemembers Civil Relief Act ( SCRA ) benefits to this closed account, resulting in a credit balance of {$220.00} owed to me. I was notified of the credit, but Synchrony has failed to issue the refund.

Additionally, Synchrony continues to mail correspondence to a very old address in XXXX, Texas, despite my repeated efforts to correct the mailing address and request that the refund check be sent to my current address in XXXX, Texas. 

Instead of resolving the issue, Synchrony has sent multiple form acknowledgment letters stating that it may take one to two billing cycles, even though : The account is closed This is not a billing dispute This is a credit balance refund owed to the consumer The issue involves SCRA benefits, which require timely and accurate handling As of today, no refund has been issued, no confirmation has been provided that the address has been corrected, and Synchrony continues to send correspondence to the wrong address.

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 2025-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my mortgage account and to request an immediate escalation to a management-level specialist. I have made multiple good-faith attempts to resolve my delinquency following a period of unemployment, yet I have been provided with conflicting information and a failure to execute requested loss mitigation options. 

Summary of Events : XX/XX/year> : I contacted Planet Home Lending following a job loss. I followed representative instructions to wait until the 61st day of delinquency to apply for forbearance, which was subsequently approved. 

XX/XX/year> : Upon securing new employment, I requested to end my forbearance early and transition into a VA Loan Modification. The representative confirmed the request was submitted and cited a 3045 day window for approval. 

XX/XX/year> : Follow-up calls revealed that no modification had been submitted despite previous assurances. A second request was supposedly initiated, at which point I was told a home inspection was requireda requirement that does not align with standard VA Streamline Modification protocols. 

XX/XX/year> : My most recent interactions with Customer Service have been unproductive and unprofessional. I have been denied access to a supervisor and my online portal shows no pending modification activity. 

Requested Actions : Immediate Management Review : I request that a dedicated Loss Mitigation Specialist or Manager review my file to confirm the status of my VA Modification.

Correction of Records : I request that the " No Movement '' status on my modification be corrected to reflect the requests made in XXXX and XXXX. 

Clarification of Process : Please provide written confirmation of why a home inspection was cited as a requirement for a VA Streamline Modification. 

Stay of Foreclosure Activity : Ensure that no foreclosure proceedings are initiated while this loss mitigation application is being evaluated, as per CFPB regulations. 

I am ready and able to begin making payments to bring this account current once the modification terms are finalized. I look forward to a prompt response within the timelines mandated by RESPA. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello I am XXXX XXXX And I am filing a complaint because I lost my card and there was an unauthorized transaction of XXXX $ + I reported it to chase and they denied and said that it was authorized I really cant afford to pay for that and I was seeking help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
The account was previously closed and they are still reporting late payments and payments due. 

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 2025-12-28 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: GA

Complaint narrative:
The account was previously closed and they are still reporting late payments and payments due. 

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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account was previously closed and they are still reporting late payments and payments due. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief