vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Date/Time : XX/XX/XXXX & XXXX XXXX ] Agent Name : unknown Issue : Billing Dispute Interest and Late Fees Accrued Company : XXXX XXXX ( XXXX XXXX  ) Product : Credit Card Complaint Description : I am disputing interest charges and late fees that began accruing on my XXXX  credit card due to a {$1.00} remaining balance that I was never notified about via paper or email statement. I always pay my bills in full and on time, and would have immediately resolved this balance if I had been made aware of it. 

I called XXXX customer service to request a one-time courtesy waiver, explaining that I had no knowledge of the remaining {$1.00} due back In XX/XX/XXXX. The representative transferred me to a supervisor. I spoke with an agent and was transferred to a supervisor. Despite explaining my history as a responsible customer and the minimal nature of the original charge, the supervisor refused to remove the fees. 

I then requested written confirmation of their refusal, but the supervisor declined to provide anything in writing, which I believe violates fair business practices and transparency.Despite my reasonable request and clean payment history, the supervisor refused to waive the charges and also stated that he would not send me any email or written confirmation of this refusal. He also stated that interest would continue to accrue on this balance unless I paid the full amount which has now grown significantly due to the compounding of interest and fees. 

This situation feels unfair and punitive over a minor balance I wasnt given a chance to address, and I believe XXXX  refusal to provide written confirmation violates basic consumer transparency.

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 2025-04-11 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy of payment history being reported on my credit file regarding XXXX XXXX XXXX ( Account # XXXX ). After comparing your reporting with the creditors transaction history and their own response to my inquiry, I have identified multiple discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly XXXX ( a ) ( XXXX ). 



Discrepancies Identified : XX/XX/XXXX : {$800.00} payment made on XX/XX/XXXX, yet reported as XXXX  days late. 
XX/XX/XXXX : {$390.00} paid on XX/XX/XXXX, reported as XXXX  days late. 
XX/XX/XXXX : XXXX payments totaling {$510.00} made ( XXXX and XX/XX/XXXX ) more than the monthly obligation but still used to justify removal of XXXX XXXX XXXX. 
XX/XX/XXXX : Payment made on XX/XX/XXXX, should have satisfied XXXX obligation. 
XX/XX/XXXX : Payment made on XX/XX/XXXX, XXXX days before due date, but reported as late. 
XX/XX/XXXX : Payment of {$410.00} made on XX/XX/XXXX creditor claims no payment. 
XX/XX/XXXX : {$410.00} paid on XX/XX/XXXX covers XXXX obligation. 
XXXX XXXX : Delinquencies shown for entire year despite late fees and partial payments that indicate account activity. 
Inconsistent XXXX XXXX : XXXX shows the account as XXXX while Experian reflects serious delinquencies for the same time periods. 

XXXX XXXX XXXX : Their explanation for removing XXXX protections does not align with payment activity in XX/XX/XXXX and XX/XX/XXXX. 

Requested Action : I am requesting a full reinvestigation of this account. All inaccurate late payment notations should be corrected or removed, and uniform, accurate information should be furnished across all credit bureaus. 

Furthermore, the inaccurate and misleading reporting of late payments particularly for months where payments were made or where payment status was overstated has had a direct and adverse effect on my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), furnishers are required to report only accurate information to credit bureaus. Additionally, per FCRA 604 ( b ), any adverse action based on a credit report such as being denied for credit must be based on verified and accurate data. 

Due to the repeated reporting of XXXX delinquencies that contradict your own transaction history, I have experienced negative impacts on my creditworthiness and have been denied access to credit on fair terms. I am formally requesting not only a reinvestigation, but also that these derogatory marks be removed or corrected to reflect the true status of the account in accordance with the FCRA.

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 2025-04-11 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: NC

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX for inaccurate credit reporting practices. XXXX XXXX is currently reporting late payments on my credit report for an account that was settled and closed in XXXX. 

This account was fully settled with XXXX XXXX in XXXX, and all terms of the settlement agreement were fulfilled. Despite this, XXXX XXXX continues to report late payments after the settlement date, which is inaccurate and damaging to my credit history. 

I have made multiple attempts to dispute this directly with the credit reporting agencies and XXXX XXXX, but the issue remains unresolved. The continued reporting of these late payments is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires information furnished to credit bureaus to be accurate and complete. 

I respectfully request that the CFPB investigate this matter and compel XXXX XXXX to : XXXX. Immediately cease reporting any late payments after the settlement date in XXXX. 
XXXX. Update all credit bureaus with accurate information reflecting that the account was settled and closed in XXXX. 
XXXX. Provide written confirmation of these corrections. 

Attached are copies of supporting documentation, including settlement confirmation and credit report screenshots highlighting the late payment entries. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX for inaccurate credit reporting practices. XXXX XXXX is currently reporting late payments on my credit report for an account that was settled and closed in XXXX. 

This account was fully settled with XXXX XXXX in XXXX, and all terms of the settlement agreement were fulfilled. Despite this, XXXX XXXX continues to report late payments after the settlement date, which is inaccurate and damaging to my credit history. 

I have made multiple attempts to dispute this directly with the credit reporting agencies and XXXX XXXX, but the issue remains unresolved. The continued reporting of these late payments is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires information furnished to credit bureaus to be accurate and complete. 

I respectfully request that the CFPB investigate this matter and compel XXXX XXXX to : XXXX. Immediately cease reporting any late payments after the settlement date in XXXX. 
XXXX. Update all credit bureaus with accurate information reflecting that the account was settled and closed in XXXX. 
XXXX. Provide written confirmation of these corrections. 

Attached are copies of supporting documentation, including settlement confirmation and credit report screenshots highlighting the late payment entries. 

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 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I had went to an emergency room in the state of Kansas in XXXX. I have been throwing up violently sick on my first day of work with XXXX. I had thought during the time I had XXXX. I never received a notice explaining my right to dispute, nor have I received any notices from the hospital or the collector that has picked it up. Kansas Counselors Inc is the collector. I do not think it is right that this is on my report as no one has ever attempted to contact me about this debt owed. I am a young mother of XXXX and this is deeply affecting my credit over something I could not control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 2025-04-11 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:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
CashApp refuses to release my balance of liability knowing that XXXX and my bank confirmed the transactions are Unauthorized. After claim Cash lost the case & is trying to return the balance back to me as penalty to pay them twice which is not legal under consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-11 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Provided updates to home address and phone number no less than XXXX times to Citizens. Due to administrative errors on the banks part my information was never updated. As a result the final payment due date was missed and my account was eventually turned over to collections and recovery. I contacted the bank to see where my XXXX free title was only to discover that I was a delinquent account and had been turned over for collection and recovery. I immediately satisfied the note over the phone with my debit card and paid note in full. XXXX was released by the bank on XXXX. The lien free title was mailed to my previous address which I no longer have access to. When I contacted the bank I was only provided with a notarized form stating that the note had been satisfied and that the fee and responsibility to apply for a duplicate title was mine alone. My XXXX XXXX has been damaged and reduced from mid XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries.

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal.

I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general.

If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on le for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately.

The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law

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