vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: Lendmark Financial Services
State: GA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding the unlawful reinsertion of a previously deleted or resolved credit account reported by XXXX XXXX. This account was reinserted on my credit reports with XXXX XXXX and XXXX  without proper verification or notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, they must : 1. Obtain certification of accuracy from the furnisher before reinsertion, and 2. Provide the consumer with written notice of reinsertion within 5 business days.

In my case : This account was previously deleted or resolved, yet it was reinserted. 

I received no written notice of reinsertion. 

The credit bureaus failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ).

Landmark Financial is furnishing information that is inaccurate or unverifiable, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I have already disputed this account with all three bureaus and demanded deletion unless proper verification is provided. They have failed to comply with their legal obligations. 

I am requesting that the CFPB investigate this matter and require : The immediate permanent deletion of the Landmark Financial account from all of my credit reports, and Enforcement of my rights under the FCRA, including potential penalties for noncompliance. 

My most recent credit reports showing the improper reinsertion I respectfully request your assistance in resolving this matter and ensuring compliance with federal law. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capital One - account does not belong to me XXXXXXXX XXXX XXXX XXXX account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I checked my recent copy of my report and noticed a lot of fraudulent accounts, that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I checked my recent copy of my report and noticed a lot of fraudulent accounts, that do not belong to me.

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 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, a collection agency out of XXXX XXXX, has falsely put a derogatory remark on my credit file. I have called them several times and resolved the issue over the phone, but they still refuse to remove the derogatory remark. The file isn't even under my name. The original creditor has sent out communication to the collection agency telling them to remove this from my file, but they still refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a balance of {$1000.00}, reported as a charge-off and marked Placed for collection as of XX/XX/year>. 

I do not recall authorizing this account, and I have never received any original documentation validating the debt. There has been no signed agreement, billing history, or itemized charges produced to verify that this account is mine or that the reporting is accurate. 

Furthermore, the account reporting appears incomplete and unsubstantiated, including : No credit limit, monthly payment, or repayment terms No supporting documentation from the original creditor No verification of delinquency to support the charge-off status These deficiencies violate the Fair Credit Reporting Act ( FCRA ) : FCRA 611 Right to request reinvestigation FCRA 623 Duty of furnishers to report only complete and verified information FCRA 602 ( A ) Obligation of credit bureaus to ensure maximum possible accuracy

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 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year>, I made XXXX calls to Synchrony Bank ( Amazon XXXX XXXX ) to explain a financial hardship caused by my husband 's incarceration. The representative I spoke to told me that if I made XXXX monthly payments, roughly {$270.00} each, via autopay, my account would be brought current and reopened. 

I followed these instructions exactly : - XX/XX/year> {$270.00} - XX/XX/year> {$280.00} - XX/XX/year> {$270.00} All payments were made on time through their systems autopay. 

However, Synchrony has still reported my account as delinquent, refused to update it, and refused to reopen the account. When I called again on XX/XX/year>, I spoke with XXXX XXXX ( ID # XXXX ). She said there was no record of the prior verbal agreement, but notably did not deny it happened. 

I have attached : - Screenshots of the XX/XX/XXXX calls to Synchrony ( XXXX ) - Proof of the XXXX payments - Screenshots of my XX/XX/XXXX call to Synchrony ( XXXX ) I am requesting that Synchrony : - Mark the XXXX, XXXX, and XX/XX/year> payments as on time - Remove any inaccurate late marks from my credit report - Reopen my account to meet the commitment they made to me in XXXX given that I have made mine or provide written confirmation of the closure decision I have worked XXXX hours a week since XXXX across XXXX jobs to meet my commitments and kept my end of the deal. Synchrony must do the same.

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 2025-07-26 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: MS

Complaint narrative:
XXXX XXXX XXXX IS STILL SHOWING UP ON MY CREDIT REPORTS FROM ALL THREE CREDIT BUREAUS. IT KEEP REPORTING LATE PYMTS AND I DO NOT HAVE THIS CARD. MY INFO WAS COMPROMISED IN THE EQUIFAX DATA BREACH.

THIS CARD DOES NOT BELONG TO ME AND NO LATE PAYMENTS SHOULD BE REPORTING ON MY CREDIT REPORT. ANY INFORMATION REGARDING XXXX XXXX XXXX NEEDS TO BE DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: WA

Complaint narrative:
Crypto.com is currently holding {$540.00} of my funds after deactivating my XXXX card when I closed the linked bank account. Ive contacted support multiple times and have received nothing but vague responses and repeated please wait messages. 

I am the verified account holder and have followed every step correctly. I simply want access to my own money, and they are refusing to escalate or resolve the situation. 

I am requesting immediate release of the funds or a clear method to withdraw them to my XXXX or external wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Karwaala Inc
State: TX

Complaint narrative:
I pay my car note on time I keep insurance on my car and they XXXX my car without even giving me notice or warning. They never communicate any issues. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is why I will struggle so hard to keep my car operatable. Text message these people are like getting a car from an alone shark. This is got to be illegal. It is outside of protection of the asset especially when a XXXX XXXX XXXX of the person making the car payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-07-26 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXXXXXX XXXX XXXX XXXX XXXX  I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive never heard of this! I do not own or have a capital one credit card. I never lived in XXXX XXXX! Im just seeing this today XX/XX/2025 it showed up as a new inquiry from XX/XX/2025!? Phone number XXXX.. 

This is fraud, & I am here to have it removed. I have not attempted to get anything new, bc Ive been out of town for work! So I have not tried ti get a new car, a new home, or line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year>, I filed a dispute with Venmo for {$1000.00} due to goods/services not received. I submitted this as an item not received dispute, which qualifies for protection under Regulation E ( 12 CFR 1005.11 ( a ) ( 1 ) ( ii ) ). 

As of XX/XX/XXXX, it has been 10 full business days, and Venmo has neither resolved the dispute nor issued a provisional credit, which is required by law when the case is still under investigation. 

I have contacted customer service, supervisors, and the disputes team multiple times and have received no resolution or response. I even emailed their disputes team directly no reply. I am experiencing financial hardship and Venmo has failed to follow federal law by withholding a provisional credit. 

I am requesting CFPB action to force Venmo to comply with Regulation E and issue the {$1000.00} provisional credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AK

Complaint narrative:
There are two loans on my account that are in default. The rest are all in good standing. The reason for default is allegedly not being able to contact me even though its the only two accounts unable to reach me. My address, phone number and email have always been updated on the US Department of education website. These loans are from over 20 years ago and this is the first I am hearing about them. The US Department of Education states that all loan information can be obtained on their studentaid.gov website. 13 years ago I applied for an income driven repayment plan and have made on time payments ever since. I was under the assumption that all my loans were covered under this program because they all showed in repayment and never in default. I do not know how loans that I never knew about can show up as defaulted upon after 22 years. This is a malicious practice and has effectively ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Transunion, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through XXXX  data breach, XXXX data breach and XXXX XXXX  data breach. Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. The fraudulent accounts are as follows : XXXX XXXX {$1200.00}. XXXXXXXX XXXX {$6300.00}. XXXX XXXX XXXX {$1100.00}. XXXXXXXX XXXX XXXX  is not mine. Section 605B of the Fair Credit Reporting Act, REQUIRES you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 15 USC 1681i requires 100 % accuracy of all reported information. 
Additionally, Transunion has allowed re- insertion of some items to my credit report. This is a request for your method of verification under Section 611 of the FCRA. Transunion 's response should include the documents used to confirm the accuracy of all " verified '' and or re-inserted tradelines reported tradelines. This includes but is not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  original credit application, account statements, or accurate identification. I appreciate your prompt attention to this matter, and await your reply. FTC report attached. 
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 2025-07-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX I locked my card due to a claw machine that did not give me credits at the mall, so that the transaction doesnt go through and charge me since it was a scam. Later that day I went to the nearest ATM to withdraw {$1000.00} XXXX dollars, the ATM machine canceled the transaction due to suspicious activity from a few hours prior, and did not give me ANY money, I drove off and got a notification in my phone that the withdrawal was complete and that the {$1000.00} were taken out XX/XX/year> sometime in the late afternoon which I did not receive from the machine. I checked my BANK OF AMERICA app and it said reversal for the same {$1000.00}, I let it be thinking theyd refund me the {$1000.00} which were incorrectly subtracted from my balance. A few days later I checked again and the reversal was gone only the withdrawal was there. It was no longer pending by XX/XX/XXXX. I gave it a couple more days to see if the issue would solve itself since the ATM machine ITSELF canceled the transaction and did not give any money to me. On XX/XX/XXXX I called bank of america to dispute the transaction and discuss what happened, they then emailed me XX/XX/XXXX and said the transaction was complete and their case was closed. That they falsely investigated and found that the money was taken out and denied to check security cameras to show that NO MONEY was given out. XX/XX/XXXX I went to the same ATM location which has a bank, I spoke to the workers and told them detailed information on everything that had been going on up until that day. They said to call again to re-dispute the claim and let us go without trying to really investigate it help, they tried to gaslight us into thinking that the money was refunded because the reversal transaction disappeared but the money NEVER made it back to my account and every time I check I only see the withdrawal for the {$1000.00}. Went home XX/XX/XXXX sometime around midday after talking to the workers which did not help they only printed out my recent transactions which I can already see on my app, they told us to call again so we did and the guy who answered did not help either, he said unless we got police involved or asked other businesses around the ATM to see their cameras that they would not reopen my case back up, they took my money and have not tried to give it back. I got told from a relative to come here to CFPB to report it and send bank of america a letter to reverse the appeal. We hope this is able to help because a XXXX dollars is a big amount for us right now.

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 2025-07-26 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Notice of Intent to File Suit for Willful Noncompliance Under Federal Consumer Law.

This letter serves as formal notice that I intend to initiate legal action against Experian for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., due to your continued failure to accurately investigate and remove incorrect, outdated, and unverifiable information from my consumer 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