vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
This complaint is also my official request for debt validation to Credit Collection Services. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Credit Collection Services to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Credit Collection Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX XXXX Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sezzle Inc.
State: DC

Complaint narrative:
I use this account in order to cover preauthorization. Holes for incidentals during 2 hotel stays. However, at the check and out of the hotels and the hotels provided receipts and proved that they refunded the money or released the holds. This company is refusing to issue a refund and is charging my card. Basically stealing my funds and I checked online and I see a lot of customers are saying that this company does not refund your money even if the transaction was canceled. I'm seeing online where this company does not even have the capability to issue. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing this complaint against my auto lender for reporting false and inconsistent account information to the credit bureaus and continuing to show a balance that was fully satisfied through insurance and XXXX coverage. 

According to my account statements, the remaining balance owed was {$2300.00}, which was paid in full by XXXX coverage after my vehicle was declared a total loss in an accident. The ledger provided by the lender clearly reflects a {$0.00} balance after XXXX payment. 

However, despite this, the lender : Continued to charge late fees even after the accident, when payments were being processed through insurance and XXXX ; and Reported a charged-off balance of {$4800.00} to the credit bureaus, which contradicts both the ledger and final statement showing {$0.00} owed. 

I have attached supporting documentation, including the payment ledger and correspondence from XXXX, showing that the account was satisfied in full. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting inaccurate or incomplete information to credit reporting agencies. Additionally, under 15 U.S.C. 1681i, the consumer reporting agencies are required to conduct a reasonable investigation when an inaccuracy is disputed.

I have been disputing this error for over six months, and neither the lender nor the credit bureaus have corrected the false information. This has caused ongoing harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
Dear Experian Dispute Department, I am writing to dispute an inaccurate late payment appearing on my credit file. The account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as 30 days late in XX/XX/year>, which is incorrect. 
I made the required payment on time, and I can provide proof of payment posting within the statements grace period. Reporting this account as delinquent violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to conduct a reasonable reinvestigation, 15 U.S.C. 1666b payment may not be treated as late unless the statement was mailed at least 21 days before the due date, and 15 U.S.C. 1681s-2 ( b ) duty of furnishers to report accurate information.

Please reinvestigate this item, delete the inaccurate late-payment notation, and update my file to reflect an on-time payment history.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide the method of verification used to confirm this late markspecifically identifying the furnisher contacted, the date of contact, and the documents reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a Chase customer over 6 years and never missed a payment. Today XX/XX/year> all of my credit cards were closed when I logged into my account without notice and when I called customer service they did not have a reason. I have crucial credit history, rewards in my account and I already paid annual fees. We are looking to purchase a house soon and do not know how this will affect my credit since I did nothing wrong. XXXX late payments, low credit usage. 

I am just looking for clarifications and for someone to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok, XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute several charge-off accounts listed on my credit report. These accounts are reported under the name " Unknown Creditor '' and are associated with the following account numbers : Account # * XXXX These entries are negatively affecting my credit profile, and I am requesting a full investigation into their accuracy and validity. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agency is required to investigate the matter unless the dispute is deemed frivolous. 

If these accounts can not be verified as accurate and complete, I respectfully request that they be deleted from my credit report in accordance with FCRA guidelines. Please provide written confirmation of the results of your investigation and any actions taken. 

Additionally, I would like to place a security freeze on my credit report to prevent unauthorized access and protect against identity theft. Please confirm once this has been applied. 

Enclosed are copies of my identification and any relevant documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I, XXXX XXXX, date of birth XX/XX/year> SSN XXXX, am formally requesting the immediate placement of a SECURITY FREEZE and EXTENDED FRAUD ALERT on my consumer file pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681c-1, 1681c-2, and 1681i ). This notice serves as an official directive to restrict all third-party access to my credit file and to prevent the opening of any new credit, lease, banking, or telecommunications accounts in my name without my express written authorization.

Please issue and mail to me a unique PIN/passcode for managing my freeze, and send it only via Certified Mail to the following address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX XXXX and additionally to my secured email address : XXXX. Do not transmit any PIN or security information via SMS, unsecured email, or phone. 
I also wish to establish an additional secret phrase : XXXX. If your system supports this, please add it as a mandatory verification element for any unfreeze request. 
Furthermore, I strictly prohibit any removal, lifting, or modification of my security freeze over the phone or through any unverified communication channels. Any future unfreeze request must be submitted only through a notarized written statement explicitly containing : 1. the official PIN provided by your bureau, 2. my additional secret phrase ( if applicable ), and 3. notarized copies of my government-issued identification and proof of current address.No unfreeze action should be processed without these verifications.

Please provide written confirmation of the freeze placement, including the request reference number and activation date, within five ( 5 ) business days via Certified Mail and secure email. Failure to comply or any unauthorized modification of my freeze will result in immediate complaints filed with the CFPB, FTC, and the State Attorney Generals Office, along with any other appropriate legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I, XXXX XXXX, date of birth XX/XX/year> XXXX XXXX, am formally requesting the immediate placement of a SECURITY FREEZE and EXTENDED FRAUD ALERT on my consumer file pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681c-1, 1681c-2, and 1681i ). This notice serves as an official directive to restrict all third-party access to my credit file and to prevent the opening of any new credit, lease, banking, or telecommunications accounts in my name without my express written authorization.

Please issue and mail to me a unique PIN/passcode for managing my freeze, and send it only via Certified Mail to the following address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX XXXX and additionally to my secured email address : XXXX. Do not transmit any PIN or security information via SMS, unsecured email, or phone. 
I also wish to establish an additional secret phrase XXXX XXXX If your system supports this, please add it as a mandatory verification element for any unfreeze request. 
Furthermore, I strictly prohibit any removal, lifting, or modification of my security freeze over the phone or through any unverified communication channels. Any future unfreeze request must be submitted only through a notarized written statement explicitly containing : 1. the official PIN provided by your bureau, 2. my additional secret phrase ( if applicable ), and 3. notarized copies of my government-issued identification and proof of current address.No unfreeze action should be processed without these verifications.

Please provide written confirmation of the freeze placement, including the request reference number and activation date, within five ( 5 ) business days via Certified Mail and secure email. Failure to comply or any unauthorized modification of my freeze will result in immediate complaints filed with the CFPB, FTC, and the State Attorney Generals Office, along with any other appropriate legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am submitting this formal complaint regarding the handling of my Synchrony Bank Sams Club credit account.

I originally filed a complaint with Synchrony on XX/XX/year>2025, regarding ongoing issues with payment holds on my account which restrict access to my funds even after payments have been made and reflected as paid in full on Synchronys website. 
Most recently, on XX/XX/scrub> 2025, I made a payment of {$3700.00} which was deducted from my bank account and is confirmed as paid in full. However, Synchrony has placed an arbitrary hold on this payment, making it unavailable until XX/XX/scrub> 2025. When I contacted Synchrony customer service, I was told they can not release the hold and have no clear policy or timeline for how long such holds will continue to impact my payments each month. 
This practice feels arbitrary, unfair, and unethical. Despite maintaining an excellent credit rating and never missing or returning a payment, I am subjected to long delays in crediting my payments for use. 
Synchrony has failed to respond to my XX/XX/XXXX complaint and refuses to provide timely resolution. This ongoing lack of communication and arbitrary holds severely hamper my credit usage and financial well-being. 
I urge the CFPB to thoroughly investigate Synchronys repeated disregard for timely payment posting and access to funds, as well as their failure to respond to legitimate customer complaints. 
Thank you for your consideration and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Issue : Undelivered product ; Affirm continues to collect payment despite XXXX written admission that the item was never shipped. 

Summary : I financed a XXXX XXXX purchase on XX/XX/year>, through Affirm, using my XXXX XXXX XXXX. The product was never delivered. XXXX own records confirm that no shipment occurred due to an active payment dispute, yet both XXXX and Affirm have refused to resolve the matter or provide a refund. 

XXXX written message to me states : Our records indicate that the customer filed a dispute with their financial institution on XX/XX/year>. We are unable to ship the machine or issue a refund while a payment dispute is active. 

Despite this clear admission of non-shipment, Affirm continues to bill me and has reported that XXXX provided proof of delivery. The attached porch photo clearly shows a small box incapable of containing the XXXX XXXX or its attachments, confirming that XXXX proof is invalid. 

I also filed a complaint with the XXXX XXXX XXXX XXXX Case # XXXX ). XXXX issued conflicting statements and the XXXX  has since closed the file as Answered consumer dissatisfied. 

I am requesting : 1. Immediate closure of the Affirm loan and full reversal/refund of all payments related to this transaction. 
2. Affirm to provide documentation verifying XXXX  alleged shipment or delivery which they have refused to share. 
3. Enforcement of consumer protection under Regulation E and the Truth in Lending Act, as this represents a clear case of being billed for an undelivered product. 

Attachments ( uploaded to CFPB ) : XXXX written admission of non-shipment Proof of delivery photo showing an undersized box XXXX correspondence ( Case # XXXX ) My Affirm billing statement showing continued charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
My husband and I leased a XXXX vehicle and returned it at the end of the lease term in perfect standing, never missing a single payment. When we returned the car, the XXXX representative confirmed that the account was fully settled and no further balance was due. 

However, XXXX had an outdated mailing address on file and later issued a small post-return invoice for approximately {$370.00} to that old address. XXXX never attempted to contact us by phone, email, or at our place of employment, even though they had that contact information throughout the lease. 

Because we never received the letter, the account was incorrectly marked as charged-off. As soon as we learned about it, we immediately paid the {$370.00} in full. XXXX has confirmed the balance is XXXX but refuses to request removal of the derogatory remark from the credit bureaus. 

This mark has caused my credit score to drop almost XXXX points despite an otherwise perfect credit history above XXXX. 

I am requesting that the CFPB direct XXXX XXXX XXXX XXXX to remove this erroneous charge-off from all credit reports, as it was the result of XXXX failure to maintain accurate contact information and not consumer neglect or delinquency. 

I have attached documentation proving : Proof of lease-end return and account closure Desired resolution : Permanent deletion of the erroneous charge-off and restoration of the accounts previous positive standing across all credit bureaus ( XXXX, Equifax, XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for reinvestigation and correction of inaccurate information. 
My report lists the XXXX XXXX User account # XXXX with the remark consumer disputes this account. 
This information is incorrect and outdated. The dispute was resolved, and the account remains in good standing. Reporting it as in dispute fails to ensure maximum possible accuracy ( 1681e ( b ) ) and may harm my credit evaluations.

Please delete the dispute remark and send me written confirmation of the update within 30 days.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief