vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank makes it incredibly difficult to make online payments. They do not provide any instructions on how to activate or register your account to sign in to their online platform to make payments, even as a new customer. You must go out of your way to call them to get their secret instructions for how to register your account to make online payments. I assume that they do this to rack up late payment fees. 

Avoid Synchrony Bank at all costs.

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 monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I attempted to correct the personal information on my file online but the system stated that my name could not be disputed online and to contact customer service. I spoke with XXXX under reference # XXXX and was transferred to XXXX who was rude and he told me I could not correct my name how it appears on my social and drivers license. He said I had to contact the creditor. Experian I'm sure has had data breaches and for them to take the word of a creditor over the consumer is unfair practices. He never offered a solution like for me to submit documentation to validate my claim. There are XXXX variations of my name and only XXXX is legally correct.

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 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I filed a dispute on XX/XX/year> because I was XXXX when my money was deposited to my acct but since it was a new acct when I went to XXXX  I never received the card because someone else stole it and also stole my notebook with everything I had written in there with all my stuff username n password n pin numbers they stole my wallet and my phone which magically appeared around the XXXX in the back of a truck we have parked here. When I turned my phone on whoever did this did a hard reset on it so that I couldn't see what they had done to anything I had saved on my phone meaning they probably got everything from it saved or transferred to another phone. Well I filed a dispute on ALL TRANSACTIONS made from my acct or currents debit card. I had to order a new one just activated it today. Well my dispute was denied on the XXXX and my appeal was denied on the XXXX I done sent them the identity theft report and police report and still got denied again XX/XX/year> for the XXXX appeal. It was not me who made Any of the transactions that were on my account. When I got out of XXXX the money that was deposited was XXXX and none of it was there at all. I reported it on the XXXX because I had received a notice from the company that deposited that money to let me know that money was deposited on the XXXX. Meaning someone stold my card and used my info to activate the card so these ppl were using my money for their needs. It was not me who authorized any of these transactions. I want my money back.. I highly doubt that they have even looked at all the proof I've sent them thoroughly because all the proof is right there in plain sight and they are not even taking that into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

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

1681c2 ) that you, the Equifax 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 : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
" The U.S. Department of Education has incorrectly calculated my Public Service Loan Forgiveness ( PSLF ) effective date, causing the wrongful denial of a refund for 76 overpayments. They have acknowledged I have 196 qualifying payments, but have set my forgiveness date to XXXX XXXX, XXXX, which is mathematically impossible. My 120th payment occurred over XXXX years prior to that date. I have attempted to resolve this directly with the XXXX XXXX XXXX office ( Case # XXXX ), but they have refused to address the discrepancy and have sent two non-responsive letters restating their error. I am seeking a correction of my forgiveness effective date and a refund of my 76 overpayments. '' Each of those 76 overpayments is in an amount of {$480.00}. I believe I am due a overpayment refund of {$37.00}, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-29 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 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 XXXXhese 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, 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports from Experian, Equifax, and TransUnion and noticed that each bureau is reporting different and inconsistent information regarding the same account ( s ).

Experian is reporting ; { Redacted Account number - { Redacted }, XXXX XXXX platinum, reporting as " Debt buyer '' opened XX/XX/XXXX. Balance reporting as " {$1000.00} and updated XX/XX/XXXXXXXX XXXX XXXX monthly payment ; account reporting as individual. with a 1 month term. 

Equifax is reporting Account number { Redacted }. Opened XX/XX/XXXX. Limit XXXX XXXX monthly payment {$35.00}. balance {$310.00}. Highest {$430.00}. 

TransUnion is reporting Balance updated XX/XX/XXXX with a balance of {$310.00}. no late payment history. Account settled with no contract mailed to me for permissible purpose. 

These discrepancies involve the same account ( s ), but the information does not match across all three credit bureaus. 

Actions Taken In XXXX, I contacted the company/creditor to request clarification and correction. 

I also disputed the inaccurate information directly with [ Experian/Equifax/TransUnion ] XXXX XXXX XXXX 

As of today, no correction or consistent update has been made across all three reports.

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 2025-09-29 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: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports from Experian, Equifax, and TransUnion and noticed that each bureau is reporting different and inconsistent information regarding the same account ( s ).

Experian is reporting ; { Redacted Account number - { Redacted }, XXXX XXXX platinum, reporting as " Debt buyer '' opened XX/XX/XXXX. Balance reporting as " {$1000.00} and updated XX/XX/XXXXXXXX XXXX XXXX monthly payment ; account reporting as individual. with a 1 month term. 

Equifax is reporting Account number { Redacted }. Opened XX/XX/XXXX. Limit XXXX XXXX monthly payment {$35.00}. balance {$310.00}. Highest {$430.00}. 

TransUnion is reporting Balance updated XX/XX/XXXX with a balance of {$310.00}. no late payment history. Account settled with no contract mailed to me for permissible purpose. 

These discrepancies involve the same account ( s ), but the information does not match across all three credit bureaus. 

Actions Taken In XXXX, I contacted the company/creditor to request clarification and correction. 

I also disputed the inaccurate information directly with [ Experian/Equifax/TransUnion ] XXXX XXXX XXXX 

As of today, no correction or consistent update has been made across all three reports.

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 2025-09-29 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date : XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ________________________________________ Re : Request for Debt Validation XXXX Dear Resurgent Capital Services, I am writing in response to your phone call dated XX/XX/year>, regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed, and I am requesting validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the alleged debt, including a full itemization of interest, fees, or other charges.

2. The name and address of the original creditor.

3. A copy of the original signed agreement or contract bearing my signature.

4. Documentation that you are legally authorized to collect this debt, including any chain of custody or assignment of ownership of the debt.

5. Verification that this debt is within the statute of limitations for collection in my state.

6. A copy of your license to collect debts in my state, if applicable.

Until you provide the above documentation, you must cease all collection activities and refrain from reporting this alleged debt to credit reporting agencies, as doing so without proper validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Be advised that I am keeping detailed records of all correspondence and communications regarding this matter for possible use in legal proceedings.

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Calvary Portfolio Services has wrongfully placed a collection account on my credit report without ever notifying me in advance. I have no connection to this account and never received any documentation, letters, or validation of the alleged debt. This is not my account, and their reporting has caused unnecessary harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

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 2025-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Being a Bank of America customer, the bank has gotten in habit to send to people pupop messages to review their personal information. I always neglect those kinds of messages. For one time I decided to go over my personal information today XX/XX/year> - some questions were suspicious like, what do I do, if I am employed, student, self-employed... etc? Asked me about my annual income etc. After submitting those information, they told me congratulations I got approved and I can start using my credit card. 
I called them right away to tey to fix the problem. They told me that ok they need to close that account. 
I report that tricky and even fraudulent way of making people apply for credit cards. 

Thank you!

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 2025-09-29 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: NY

Complaint narrative:
MUST BE REVIEWED BY A HUMAN XXXX XXXX. CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS. CEASE AND DESIST OF IDENTITY THEFT FRAUD CEASE AND DESIST OF VIOLATION OF XXXX PRIVACY ACT CEASE AND DESIST OF VIOLATION, USC 1692G 18 USC 1028, USC 1681G, USC 1681s2, 18 USC 1961-1968 RICO ACT VIOLATION, USC 1681AB2 , HJR 192 1933 GAAP VIOLATION DELETE IMMEDIATELY XXXX GRANTOR/ORIGINALCREDITOR/PLANTIFF : XXXX : XXXX. Beneficiary of ACCT : XXXX XXXX XXXX DEFENDANTS VIOLATORS REPEATED OFFENDERS FOR GAIN BOND THEFT EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX XXXX XXXX CA XXXX XXXX MAIL TRACKING NUMBERS : XXXX, XXXX, XXXX TO WHOM IT MAY CONCERN ACCORDANCE TO TITLE 15 USC 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION USC 1681a ( 2xi ) USC 1666b , 12 CFR 1026 13 BILLING ERROR RESOLUTION USC 1692G , USC 1692e ( B ), USC 1681B ( a ) ( 2 ), USC 1635 , USC 1692g , ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS FURNISHED ON MY CONSUMER REPORTS. ATTN : XXXX XXXX EQUIFAX : ACCORDANCE TO TITLE 15 USC 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST PRIVATE ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THE READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MAAM THIS IS CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF ( GAAP ), YOU HAVE TH RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO THE GRAMM LEACH BLILEY ACT 1681 ( ad2ai ), usc 1681 ( a ) ( b ) ( 2 ) thanks ! TO BE FURNISHED ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE AND IVE FILED AN FTC REPORT # XXXX UNDER OATH. ITS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE COSUMER AND FOLLOW THE FCRA MUST BE ACCURATE PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCHIN THIS MATTER AND IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM THIS LEGAL NOTICE LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER XXXX XXXX AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED. IF YOU FAIL TO COMPLY WITH THIS LETTER I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. ALSO YOU MAYBE SUED BY THE CFPB ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER AND THE FORWARD FLOW AGREEMENT HONESTLY, AFFIANT : XXXX : XXXX Living Man far from being DEAD UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE beneficiary of ACCT : XXXX XXXX not the trustee XXXX DELETE TRUST UNAUTHORIZED ABOVE ACCOUNTS THESE ACCOUNTS ARE IN A TRUST I NEVER GAVE CONSENT FINAL NOTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX - the money account was closed XX/XX/XXXX - received email stating the account is closed, a check for the account balance was supposedly mailed to me XX/XX/XXXX - called bank to inform them the check was never received in mail, told to wait for check XX/XX/XXXX - called bank to say check was never received, asked bank to provide a tracking number for mailed check, they had no tracking number XX/XX/XXXX - called bank to inform them the check was never received in mail, bank says they will reissue check and XXXX  it overnight within 3 business days, the bank can not provide tracking numbers for mailed check and refuse to put " signature required '' upon delivery XX/XX/XXXX - called bank to inform them that check was never received through XXXX, found email from bank stating I need to fill out affidavit for the lost check ( get it signed by a notary )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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