vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I entered into a retail deferred-interest promotional financing agreement provided by Synchrony Bank for a XXXX XXXX purchase in the amount of {$6600.00}, with a 24-month promotional period, as documented in the attached sales and financing agreement dated XX/XX/year>. 

The written agreement states that no interest will be assessed if the promotional balance is paid in full within the promotional period, and that if it is not paid in full, interest will be imposed retroactively from the date of purchase at an APR of 34.99 %. The agreement also states that minimum monthly payments are required. 

Critically, the agreement does not disclose that early payments or payments in excess of the minimum may fail to satisfy minimum payment requirements, nor does it disclose that payments made prior to the first billing statement may be treated differently or excluded from satisfying the minimum payment obligation.

Prior to receiving my first billing statement, I made an early payment of approximately {$400.00} toward the account. I also scheduled recurring bi-weekly electronic payments that would have resulted in approximately {$600.00} paid before the first payment due date of XX/XX/XXXX. 

Despite having paid nearly three times the stated minimum payment before the due date, I learned that Synchrony would still consider the account late if a separate {$210.00} minimum payment was not credited within a specific billing window. Under this structure, a consumer can pay early, pay extra, and still be deemed late solely due to internal payment classification rules that are not disclosed in the written agreement. 

Had this occurred, my promotional 0 % financing would have been converted into a penalty APR of up to 39.99 %, with interest applied retroactively to the original purchase date. 

A reasonable consumer reviewing the attached agreement would believe that paying early and paying more than the minimum would protect them from late fees and penalty interest. The omission of how early payments are applied and how they may fail to satisfy minimum payment requirements creates a substantial risk of consumer harm and appears designed to trigger deferred interest despite responsible payment behavior. 

I believe this constitutes an unfair and deceptive practice, based on material omissions in the written disclosures and the unreasonable expectation that consumers anticipate undisclosed payment-application rules.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I'm currently living abroad and have residency in another country. I'm not sure why, but for whatever reason I've been locked out of my online account to Bank of America, so I can't access online banking. I called the phone number listed on the screen, and spoke with multiple representatives. They all told me that in order to unlock my online banking, I need to come in-person, back to the US with 2 forms of ID. However, I'm not living in the US. One representative told me that they could verify me through the phone number on my account, but this is a US number, and I no longer have access to it since I'm no longer in the US. So they can't verify me over the phone since I have a new phone number, and I need to go in-person back to the US. However, this would be a very expensive journey and a waste of time. I even asked them if I could go into an international branch and they said no, I can not. I have to go to a branch back to the US with 2 forms of ID. But as I said before, they can't verify me over the phone because I no longer have a US phone number and because I was locked out randomly of my online account. Meanwhile, they are charging me fees for keeping the account open, and I can't even close it with them. I will never do business with this bank again.

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 monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: CA

Complaint narrative:
XXXX failed to deposit my earned wages to my XXXX XXXX XXXX. 
The Dasher app shows Theres an issue with your transfer for earnings from XX/XX/year> totaling {$19.00}. 

The card is active and the earnings exist in-app. 
XXXX support has repeatedly looped me without resolving the failed transfer and has repeatedly requested sensitive personal data instead of releasing the payment. 

I am requesting immediate release of the failed payout

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have repeatedly failed to conduct reasonable investigations and correct demonstrably inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), despite multiple disputes and supporting documentation. XXXX XXXX XXXX XXXX account number XXXX was never late and was paid in full by my insurance company ; however, it is being inaccurately reported as unpaid. I have provided proof, including a screenshot showing a XXXX balance, yet XXXX XXXX and the consumer reporting agencies claim they could not locate the payment despite the documentation submitted. Additionally, a collection account reported by XXXX XXXX XXXX reflects a debt that is not mine and for which I have no knowledge or contractual relationship, yet it continues to be reported without proper validation. Further, XXXX XXXX XXXX, account number XXXX, is reporting a charged-off auto account despite the vehicle being paid in full and closed, and without a valid permissible purpose as required under 15 U.S.C. 1681b. Both XXXX XXXX and XXXX XXXX are simultaneously reporting the same vehicle obligation as unpaid, which is factually impossible and materially misleading. Lastly, XXXX XXXX XXXX XXXX XXXX account number XXXX, dated XX/XX/year>, is being reported despite being over seven years old and beyond the allowable reporting period under 15 U.S.C. 1681c ( a ), and without my authorization or any ongoing permissible purpose. The consumer reporting agencies have failed to correct or delete these accounts, demonstrating a lack of reasonable reinvestigation under 15 U.S.C. 1681i.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have repeatedly failed to conduct reasonable investigations and correct demonstrably inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), despite multiple disputes and supporting documentation. XXXX XXXX XXXX XXXX account number XXXX was never late and was paid in full by my insurance company ; however, it is being inaccurately reported as unpaid. I have provided proof, including a screenshot showing a XXXX balance, yet XXXX XXXX and the consumer reporting agencies claim they could not locate the payment despite the documentation submitted. Additionally, a collection account reported by XXXX XXXX XXXX reflects a debt that is not mine and for which I have no knowledge or contractual relationship, yet it continues to be reported without proper validation. Further, XXXX XXXX XXXX, account number XXXX, is reporting a charged-off auto account despite the vehicle being paid in full and closed, and without a valid permissible purpose as required under 15 U.S.C. 1681b. Both XXXX XXXX and XXXX XXXX are simultaneously reporting the same vehicle obligation as unpaid, which is factually impossible and materially misleading. Lastly, XXXX XXXX XXXX XXXX XXXX account number XXXX, dated XX/XX/year>, is being reported despite being over seven years old and beyond the allowable reporting period under 15 U.S.C. 1681c ( a ), and without my authorization or any ongoing permissible purpose. The consumer reporting agencies have failed to correct or delete these accounts, demonstrating a lack of reasonable reinvestigation under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: LEXISNEXIS
State: IA

Complaint narrative:
I just received my Lexis Nexis XXXX report today. The following section XXXX inquiry records currently listed and showing on my Lexis Nexis XXXX Report Number : XXXX and Case Number : XXXX, is fraudulent, unauthorized and not my inquiry records : State Farm Mut, XXXX, XXXX and XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX  XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Current Auto Reference Number : XXXX, XXXX and XXXX. The Section XXXX Inquiry Records on my XXXX XXXX Report is all fraudulent and Unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax & Experian credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX  account number : XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax & Experian credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX  account number : XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : EX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-29 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question :

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 2025-12-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This account was charged off in XX/XX/XXXX. However, Goldman Sachs continues to report the account as past due every month through XX/XX/XXXX with a past due amount of {$8900.00}. I disputed this inaccurate reporting with XXXX. XXXX completed its investigation and verified the information without correcting the re-aged balance history. Reporting an account as past due after charge-off is inaccurate under the Fair Credit Reporting Act. I am requesting correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I identified one late payment that is inaccurate and unsupported by my payment history, and despite multiple good-faith attempts to resolve this error directly with the creditor, they have failed to respond or correct the misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am being sued by Cavalry SPV I , LLC a credit card collection agency. Firstly, please note that my social security number and name have been used in the pass before as fraud. i have been working with the police for this issue. 

Now, with that said, I have received paper work in the mail letting me know that I was being sued. Within XXXX days of this notification I started sending out letters to the company asking them to provide documentation. This was back on XX/XX/XXXX and XX/XX/XXXX. Then I sent a letter requesting the same documentation to another credit collection agency in regards to this account in XX/XX/XXXX. I found out that the Court date was in XX/XX/XXXX and I missed that because I was unaware of this. Due to missing it I was notified that I was in default. I went to reopen the case XX/XX/XXXX. I had to pay the filing fee. 

The arbitration is set for XX/XX/XXXX. Cavalry has sent a letter to my house about a week ago letting me know that they were attempting to garnish my wages, to take money from a XXXXXXXX XXXX account. It was delivered illegally. Because I've been through this before I'm aware that it has to be delivered by a sheriff or authorized personal. Neither has happened. There was no certified date of delivery to keep track for court. In addition to this the arbitration didn't happen yet, therefore they should not be attempting to take money from me. 

The only documentation that they've sent me was a letter stating that they purchased debt. This account is charged off and I'm looking into the bills now. However, I've send correspondence to them asking for the XXXX of from the original debt collector to the next to them, documentation stating that they can legally obtain this alleged debt, the amount owed and the break down, I asked for evidence that they are a licensed debt collector, and evidence that shows that I signed an agreement with them stating that I will pay this money to them. They haven't provided this information to me. They've only sent out the monthly bill statements and a letter showing they brought the debt. This isn't clarification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PR

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, Equifax XXXX XXXX  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 response to consumer: Closed with explanation