vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting an inaccurate and completely unverifiable account under the name SYNCB/SAMS XXXX XXXX XXXX, Date Opened XX/XX/year>, with a Balance Owed of {$1100.00}, listed as a Charge-Off. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with SYNCB/Sams Club under this account number. This account does not belong to me and is being falsely reported under my credit profile. 

This false entry violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require credit bureaus to ensure maximum possible accuracy and to delete any unverifiable or inaccurate information. Despite my prior dispute request, this account continues to appear on my credit report with no documentation, verification, billing history, or signed agreement from SYNCB/Sams Club proving that this account is legitimate or connected to me. 

The continued reporting of this inaccurate and unverifiable account has caused financial harm, emotional stress, and a reduction in my creditworthiness, limiting my ability to access fair financial opportunities. This is a clear example of negligence and noncompliance with federal consumer protection laws that exist to prevent harmful and misleading credit reporting.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is not a mortgage. It is a timeshare installment contract being inaccurately reported as a mortgage foreclosure. 

XXXX XXXX XXXX XXXX is inaccurately reporting a timeshare account as a mortgage foreclosure/deed in lieu, which is incorrect and damaging to my credit profile. 

This account is for a timeshare installment contract, not a mortgage. Under Metro 2 reporting standards, timeshares can not be coded as a mortgage or foreclosure, yet Experian is reporting : Creditor received deed for collateral in lieu of foreclosure on a defaulted mortgage. 

XXXX XXXX XXXX XXXX informed owners in writing that if the XXXX XXXX XXXX project resulted in a deficiency, they would NOT report negative credit information. Despite this, Experian is showing severe derogatory foreclosure status. 

Additional violations : No verifiable payment history supporting the foreclosure status No proof of legal foreclosure action Required Metro 2 fields are missing or inconsistent The account is ONLY reporting to Experian, not TransUnion or Equifax Requested relief : Complete investigation Provide validation supporting the foreclosure coding If XXXX can not validate, delete the account from all credit bureaus This reporting is materially inaccurate and is harming my credit standing.

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 2025-11-20 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: Klarna AB
State: AZ

Complaint narrative:
I made a purchase using Klarnas one-time virtual card to enroll in a program offered by XXXX XXXX XXXX XXXX also recognized as XXXX XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX ran by XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX Before signing on XX/XX/year>, the seller promised me a 90-day money-back guarantee if the $ XXXX program did not meet expectations. After enrollment, multiple staff members confirmed the guarantee in writing and acknowledged that I qualified for a refund. 

I attempted to exercise the guarantee after the 90-day period on XX/XX/year>. The seller has ultimately ceased communication and refused to process the refund. This constitutes misrepresentation and a failure to honor a written guarantee. 

Additionally, the seller attempted to falsely represent my communications during the refund process. They claimed I had not reached out or had not provided certain messages, but when I submitted screenshots proving that I did, they acknowledged the messages only after being confronted with evidence. This demonstrates deceptive behavior and further supports that the merchant acted in bad faith. 

I attempted to dispute the charge with Klarna. Klarna paused the payments but refused to reverse the charge, stating they are not responsible for the merchant because the one-time virtual card was used and the merchant is not directly connected to Klarna. Klarna did not obtain merchant documentation, did not properly investigate the dispute, and denied it without validating the charge. 

Klarna is now close to moving the account toward collections while the debt is still actively disputed and while the merchant has stopped responding, which violates the Fair Credit Billing Act ( FCBA ). Klarna is attempting to collect on an unvalidated, disputed debt tied to misrepresentation. 

I have extensive written proof that the guarantee was promised, confirmed in writing, and that the seller acted deceptively during the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I asked the company 5 times to validate this debt I have No student loans in my name I also have a FTC report reference number XXXX that they failed to Ignore. They haven't looked at my dispute at all its been 5 months this is not right am trying to buy me and my daughter a home and this is causing unwanted hardship and stress Please have them investigate these accounts and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I am filling this complaint against Equifax, Experian, and TransUnion for failing to comply with their obligations under the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. the bureaus continue to report inaccurate, incomplete, duplicated, and unverifiable information that is harming my credit standing. exclude bankruptcy-related issues and focuses mainly on the remaining violations. Delete all unverifiable discover student loan and all closed account entries or correct them to the accurate, single non-duplicated tradelines. remove the unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> AND XXXX BANK, XXXX XX/XX/year> and XXXX XXXX XXXX XXXXXX/XX/year> provide documentation of verification methods used by each bureau during dispute process. ensure compliance with the FCRA accuracy, reinvestigation, and permissible- purpose standards please remover all misleading and incorrect information and fraudulent inquiries, derogatory marks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NH

Complaint narrative:
I am filling this complaint against Equifax, Experian, and TransUnion for failing to comply with their obligations under the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. the bureaus continue to report inaccurate, incomplete, duplicated, and unverifiable information that is harming my credit standing. exclude bankruptcy-related issues and focuses mainly on the remaining violations. Delete all unverifiable discover student loan and all closed account entries or correct them to the accurate, single non-duplicated tradelines. remove the unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> AND XXXX BANK, XXXX XX/XX/year> and XXXX XXXX XXXX XXXXXX/XX/year> provide documentation of verification methods used by each bureau during dispute process. ensure compliance with the FCRA accuracy, reinvestigation, and permissible- purpose standards please remover all misleading and incorrect information and fraudulent inquiries, derogatory marks from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Criminals with a spoofed phone number keep closing my accounts. I have XXXX credit card accounts and my credit is going to be ruined if I dont get these XXXX cards reopened. I am suffering during the government shutdown. I am trying to call your company but a phone spoofer or hacker keeps answering my phone. I was recently sick and I have lost my mother. Some of these criminals were responsible for her death. How do I keep the XXXX accounts open? What payment is needed for each account? XXXX minute my account is open, the next is closed. What is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AR

Complaint narrative:
I am filing a complaint regarding my credit report and auto account history, specifically concerning the repossession of my vehicle by BESTCHCEAUTO ( Account # XXXX ) with a reported balance owed of {$7000.00}, originally opened on XX/XX/XXXX, as well as numerous inaccurate addresses and unauthorized or incorrect inquiries listed on my credit report. The addresses reported for my accounts are incorrect, including XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX UNION CT XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; and XXXX XXXX XXXX, XXXX XXXX, AR XXXX, which are not my current or prior residences. Additionally, multiple credit inquiries appear that I did not authorize or that are inaccurately reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which are either inaccurate or reported at incorrect addresses.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Every time I disputed the inaccurate account from XXXX XXXX XXXX XXXX this account came back validated without proper verification. 

Your response consisted of automated verified as accurate language with XXXX supporting documentation, which violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) obligation to conduct a reasonable reinvestigation 1681i ( a ) ( 2 ) ( A ) duty to forward all relevant information to the furnisher 1681i ( a ) ( 4 ) to review and consider all submitted evidence 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide method of verification, upon request Instead, you relied on e-OSCAR automated parroting, which courts have repeatedly held is insufficient.

2. Continued Reporting After Failure to Properly Investigate = Willful FCRA Violation Because you are already aware you were sued, your continued refusal to : obtain original contract-level documents, validate chain of title or assignment, address the specific evidence provided, and correct or delete unverifiable information, constitutes willful noncompliance under 15 U.S.C. 1681n, and negligent noncompliance under 1681o.

3. DEMAND FOR ACTION ( Final Opportunity Before Additional Legal Remedies ) You are hereby given one more opportunity to avoid further litigation.

Within 15 days of receipt of this notice, provide : 1. A complete method of verification identifying : the individual who verified the account, the documents reviewed, the date/time of the investigation, and the verification process used.

2. Full documentation from the furnisher, including : original application/lease/contract, itemized charges, assignment contract or chain of title ( if applicable ), and any records used to verify the acc
ount.

3. Deletion of the account if verification can not be produced in full.

Failure to comply will result in expanded legal claims, including additional statutory damages, punitive damages, attorneys fees, and injunctive relief.

4. Cease Verified Without Change Automated Responses You are on formal notice that continued use of automated responses without an actual investigation is bad-faith conduct and will be submitted as evidence of willful violation.

5. Notice of Intent to Pursue Additional Damages If you fail to comply with this demand, I will proceed with : filing supplemental federal claims for ongoing violations, submitting state AG complaints, pursuing additional claims of willful noncompliance, and seeking sanctions for continued inaccurate reporting after litigation notice. 




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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I withdrew XXXX {$5100.00} from my PayPal digital wallet to my XXXXXXXX XXXXk ( XXXX ) cross-border account. PayPal marked the withdrawal as Completed, but the funds never arrived at my bank. 

Transaction ID : XXXX Amount : XXXX {$5100.00} ACH Trace Number ( provided by PayPal ) : XXXX I contacted XXXX Bank ( XXXX ) multiple times. They confirmed they did not receive this XXXX entry and have no record of it posting, pending, or being returned. 

We had a conference call with PayPal and XXXXXXXX XXXX ( XXXX ). During this call, PayPal provided the ACH trace number XXXX, but XXXX confirmed they could not locate this ACH transaction and advised that PayPal must escalate to its originating financial institution to initiate a Federal Reserve XXXX XXXX or XXXX ( XXXX XXXX XXXX ). 

Despite this, PayPal repeatedly closed my case and stated the transaction was processed correctly, without providing any of the required information : No confirmation of which bank originated the XXXX XXXX Federal Reserve XXXX No evidence that the funds were delivered, rejected, or returned I appealed the case twice and provided bank statements and XXXX confirmation of non-receipt. PayPal is still not taking serious action. 

As a result, the funds are missing within the XXXX system, and only PayPals originating bank can trace or recover them. PayPal has not taken the required steps to locate or refund the missing XXXX {$5100.00}. 

I am requesting CFPB assistance to require PayPal to perform a formal Federal Reserve XXXX XXXX, provide the results, and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting an inaccurate and completely unverifiable account under the name MACYS/CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>, with a Balance Owed of {$0.00}, listed as a Charge-Off. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with Macys or Citibank related to this account number. This account does not belong to me and is being falsely reported under my credit profile. 

This false entry violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require that all information furnished to the credit bureaus must be accurate, fully verifiable, and removed immediately if the creditor can not provide proper validation. Despite my previous dispute, this account continues to remain on my credit report with no documentation, proof, or signed agreement from XXXX establishing that this account is legitimate or connected to me.

The continued reporting of this inaccurate and unverifiable account has caused emotional distress, lowered my creditworthiness, and interfered with my access to fair financial opportunities. This demonstrates negligence and noncompliance with federal consumer protection laws intended to ensure safe, fair, and accurate credit reporting.

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 2025-11-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX0\n \nExperian \nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nXXXX 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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I certified mailed out a DEBT VALIDATION letter to Midland Credit management on XX/XX/year>. They received it on XX/XX/year>. Midland Credit has yet to still respond with the validation documents I requested. I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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