vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formal complaint against XXXX  and LexisNexis for continuing to report inaccurate and unverifiable information, specifically a XXXX XXXX XXXX  and an incorrect associated address. 

The address being reported in relation to the bankruptcy is " XXXX XXXX XXXX '', which is misspelled and does not match the official court documents, which correctly state " XXXX XXXX XXXX. '' This error originates from LexisNexis, which has repeatedly failed to correct this after multiple disputes. Despite this, XXXX  continues to report the bankruptcy using LexisNexis as its source. 

This violates multiple provisions under the FCRA : 1681e ( b ) Failure to ensure maximum possible accuracy. 
1681i ( a ) Failure to perform a reasonable reinvestigation.

1681i ( a ) ( 5 ) Failure to delete information that can not be verified. 
This complaint follows several others I have submitted ( Case Nos. XXXX, XXXX, XXXX, XXXX, XXXX ), all of which document a pattern of misconduct involving : Re-insertion of deleted information without proper notice Use of non-verified or misspelled data sources Continued credit damage despite formal legal demand letters and regulatory complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX  I received a phone call from my bank ( Chase ) requesting me to provide proof of legal status in the country since the original documentation provided to open the account were expired and Chase had restricted my account, giving me 15 days to provide documentation or my account would be closed. On XX/XX/XXXX at approximately XXXXXXXX XXXX I made contact with the closest Chase branch to my location and after explaining the situation to them they instructed me to contact Chase XXXX ( XXXX ). After calling I was informed that I needed to provide a passport or an accepted document, upon me asking if my XXXX  certificate, issued by the United States Citizen and Immigration Services would suffice they informed me that Chase does not accept XXXX certificates as proof of legal status in the country. I currently do not possess a passport since I haven't left the country since my arrived in XXXX. After some back and forth and not a single employee knowing what to do I asked for a list of Chase approved primary and secondary identifications, within that list were state issued Driver License ( Real ID compliant ), Military/Veterans ID which I provided to no avail. On XX/XX/XXXX I returned to the Chase branch near my location and after re-submitting my Driver 's License I was told that I needed to wait without providing a clear answer, at approximately XXXX XXXX I received another call from Chase informing me that I needed to submit my passport since I am of XXXX origin, after explaining to them that I am currently a XXXX  United States citizen they said that they were going to do some diligences on their end and call me back, at XXXX XXXX I received what would be the most recent/ final call from Chase informing me that they had submitted an exception but it would have to be reviewed and approved in order for them to un restrict my account but it wouldn't be reviewed until next Monday ( XX/XX/XXXX ). That account is my only bank account, I didn't cause the issue, Chase did, they would not accept legal documents issued by the United States government, and now due to their incompetence and lack of empathy I'm suffering because of it, without access to my hard earned money I am unable to pay bills, get my paycheck deposited on the account and more than likely any automatic bills drafted from my account will bounce back negatively impacting my credit. I have traveled on 2 separate occasions an hour away from where I reside to fix the problem with no end in sight. The blame shifts from person to person and the customer is the one affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They didnt provide me with where I signed for this account. I paid off my debt in XXXX  and according to them all these cash advances were added to the account. I didnt do the cash advances and told them that and theyre threading to take me to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint regarding the auto-pay system used by Synchrony Bank ( CareCredit ). I set a recurring payment of {$500.00} on the XXXX of each month to ensure timely payoff of my balance before the promotional deadline. However, I discovered that when I make additional manual payments to pay down the balance faster, Synchrony cancels or skips the scheduled auto-pay without notice. 

This results in underpayment for the month, which could trigger penalties or missed payoff deadlinesdespite my clear intent and setup to avoid that. It is not transparent, and there was no disclosure that making extra payments would interfere with auto-pay. 

I only caught this by checking my account manually. Many consumers may not notice this system flaw until its too late, potentially leading to financial penalties. 

When I attempted to address the issue through Synchronys online chat, I was met with scripted, dismissive responses that did not address the core issue. This seems like a deliberately confusing system that puts customers at risk while benefiting the bank through avoidable interest or late fees. 

Im requesting the CFPB to investigate this practice, require Synchrony to fix the flaw, and ensure customers are clearly informed about how manual payments impact auto-pay scheduling.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-26 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Essential Lending Inc
State: CA

Complaint narrative:
this agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IL

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. 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 2025-06-26 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: NV

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-26 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: PNC Bank N.A.
State: FL

Complaint narrative:
My wife and I had a PNC home equity loan, credit card, and checking account. We had an issue with the home equity loan and decided to switch banks. We closed the checking account and moved everything to another bank, but we left the credit card line open because one of the PNC employees at the local bank branch told us it would be better for our credit score if we keep it open. The credit card had automatic payments set up monthly to come out of our checking account, and it paid the full balance at the end of every month. We thought that we had transferred all of the automatic charges tied to that credit card to our new credit card but missed one. A charge came in which we didn't know about. We had also moved to a new home during this time, and we didn't receive any email or mail correspondence from PNC that our payment was late. PNC later claimed that they sent written late notices to our old home address although we never received them. Nothing was sent by email. 

I received an update from XXXX XXXX which monitors our credit score. It showed that PNC stated we had a 30 day late payment. I called PNC and explained everything, but they refused to take the charge off since they were bitter we had already closed our accounts. I even wrote to them explaining everything and let them know that I am a teacher -- I begged them to help. We never missed a credit card payment with them ( about 14 years ). Our excellent credit score was over XXXX points before the debacle with PNC. This caused our credit number score to decrease over XXXX points because we had no other negative information on our credit report. 

PNC refused to help and said that they were not responsible for the mail. They also refused to accept blame for their employee giving us bad advice in the local branch office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my Credit Card account , which has been reported as charged-off on my credit report.

According to IRS regulations ( Section 6050P of the Internal Revenue Code ), financial institutions are required to issue Form 1099-C if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations.

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 2025-06-26 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:
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 2025-06-26 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:
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 non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report with Equifax is the result of identity theft and should be blocked : 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 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 Unauthorized Inquiries - 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 Employer Correction : My only employer has been XXXX XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my Equifax credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent content. 
Several times I have contacted Equifax regarding these fraudulent accounts, but they have not provided me with a solution. This situation is directly impacting my financial progress and my ability to stabilize my living conditions. Ive been working hard to build a better future, and seeing these fraudulent items remain on my Equifax report is holding me back from moving forward with serious personal goals, including providing a secure place to live. 
I have requested contracts from these companies showing any agreement or authorization with my information, and for more than 60 days I have received no response. I respectfully ask that these accounts be removed immediately. 
I am attaching the FTC report, and I hope that you will make a fair decision regarding my situation. Thank you

Company response to consumer: Closed with non-monetary relief