vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a PayPal Credit account issued by Synchrony Bank with a credit limit of {$1500.00}. On my statement, it clearly indicated that a payment of {$1200.00} was required to avoid both Standard and Deferred Interest charges. I made this full payment on XX/XX/year>, using my linked bank account. 

The payment has cleared my bank and shows as posted to my PayPal Credit account, yet my available credit has not been updated. When I contacted customer service, I was told the payment was flagged because it was the largest payment Ive made on the account and, as a result, it would be subject to a 3-week hold before my credit line is restored. 

I asked to escalate the issue to a supervisor and was told there was nothing they could dothat this delay was policy and that no manual override was possible. This seems like an unreasonable and arbitrary hold, especially since the payment was made in full, on time, and has already cleared. 

Ive had this account for over 3 years with no history of returned payments, disputes, or fraudulent activity. I feel this policy is deceptive and punitive to customers who are trying to manage their credit responsibly and follow payment recommendations. It also prevents me from using my available credit, despite having met all payment obligations. I have since closed this account, but wanted to report this issue as I discovered a thread indicating that this has happened to others XXXX XXXX XXXX XXXXXXXX

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-17 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: CT

Complaint narrative:
Contacted Revco Solutions XXXX on XXXX/XXXXXXXX  to provide proof of debt they said I owed that they illegally posted on my credit file without due process. They never notified me that I had an outstanding debt obligation and they never provided proof of the research they did regarding this unverified debt. They bought my private information from XXXX without my consent and sold my information to XXXXXXXX XXXX XXXX XXXX Revco does not have a collection license in the State of New York to do collections but they are doing it anyway. They have not validated this debt nor have they removed this unverified information from my credit file. My file should only reflect accurate information and they are violating this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On XX/XX/year> I received an notification from XXXX XXXX that I had a collection debt from sunrise Credit services saying I owe {$1.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dispute the debt through XXXX XXXX through XXXX I also contacted sunrise Credit service to ask who what and where this debt belongs to. Sunrise Credit service responded by asking for my name email and social security number. I gave them my name and email but I would not give them the last four digits of my social security number they stated that the way I filed my dispute would not get me the outcome I was looking for, I would have to file it through sunrise Credit services to have my debt resolved, I knew that was wrong and I decided to contact and file a complaint through consumer finance so I can get this battered handle.

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 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WV

Complaint narrative:
I will have to find exact dates. Back in XXXX  ( fall to winter maybe ) i had started getting charges for a XXXXXXXX XXXX  purchase. They were recurring for 3 months or so before i had noticed. Once i noticed i filed a dispute. I was denied every single time. Cashapp ended up cancelling my debit card all together and since then has refused an answer why and also to this day refuses me to order a new card. My account is completely blocked from ordering a new card. Reason ive been given is, i went against their policy and no other reasons can be given past that. Is what they say to me. Its unacceptable. Ive been a loyal cashapp user and id like to continue but not if i cant have a bank card. They took that right away because i rightfully was owed a refund for those fraudulent purchases i disputed. I even know the lady who had used my card to make those charges and reported it. But they downright refused. Then stripped me of having a card for 2 years almost now. I get told nothing, i get no resolution and quite frankly im beginning to become fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Validation Request under FCRA and FDCPA Request for Documentation To Whom It May Concern, This letter is a formal dispute of an account being reported on my credit file under the accountS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and requesting that Experian conduct a reasonable investigation into this matter.

At this time, this debt has not been properly validated, and I am demanding full verification. ON ALL ACCOUNTS Please provide the following documentation : 1. A copy of the original contract that includes my wet ink signature proving that I agreed to the terms and conditions of this alleged debt, pursuant to my rights under 15 U.S. Code 1692g ( b ).

2. Confirmation of any insurance claims filed or paid in relation to this debt. If any insurance was used to settle or offset this balance, I am entitled to that information as part of full debt validation and disclosure.

3. A complete chain of title and assignment from the original creditor to the current furnisher of this data. This documentation is necessary to confirm the legal right of the party reporting or collecting on this account, as required under 15 U.S. Code 1692g ( a ).

Furthermore, I am requesting confirmation that this dispute is being investigated by a human being and not solely by artificial intelligence or an automated system. The FCRA, specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), requires Experian to conduct a reasonable and proper reinvestigation of any disputed information.

If you are unable to provide proper verification within the 30-day time frame established by law, this account must be removed from my credit report entirely, as failure to verify is a violation of the FCRA.

Please respond in writing with the results of your reinvestigation and all supporting documentation. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
For months and months now, but most recently each day in XXXX, I have been accessed overdraft fees each day. I have the momentum checking account which allows me until the end of the business day to deposit money to cover the overdrafts. If I do not, I should not be charged more than {$110.00} in overdraft fees for that day. The bank has begun placing several transactions in a pending status even though they were made on the same day and even at the same place, sometimes within minutes of each other, as the ones they cleared. They are doing this and then charging overdraft fees for multiple days. I am putting mo eh in the account but cant catch up bc they continue to charge more fees even tho the transaction were made together. This happened every day in XXXX. I have been charged {$620.00} in fees just in XXXX. I continue to put money in the account but they keep charging more fees on existing transaction even if I dont make anymore transactions. When I tried asking about it no one can answer me. They tell me my notices explain it all and disconnect. They do not explain it. I understand I should be responsible for the first {$110.00} in fees but the rest are just a snowball affect from the others. If I go back through my account for the last year, there will be thousands of dollars they did this with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX  Balance {$2200.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance {$980.00} Open Date XX/XX/XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$540.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$210.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX DEALER Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
The merchant that my Apple Card was fraudulently charged from was XXXX. I had my Apple Card info saved on my account, and on XX/XX/XXXX, my apple card was used by an unauthorized user of my XXXX account of {$1900.00}, but was declined due to suspicious activity. Seconds later, the card was successfully charged the same amount in which I immediately disputed with Apple Card GS. A couple months later in XX/XX/XXXX, I see that my dispute, which seemed like a clear fraudulent charge, did not go in my favor. This goes on for nearly 2 years of back and forth dispute and balance reversals to my account with no change. I sent Apple Card GS images of the unauthorized user buying the bits, and then donating them to a user that has since deleted their account after receiving the bits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Courtesy Loans of Oklahoma LLC.
State: OK

Complaint narrative:
I took out a personal loan with courtesy loans in Oklahoma, I had a family issue and got behind, five days after I made my payment they filed legal on me without any notice whatsoever. I called to talk to the district manager who talked in circles. The lady I dealt with called my grandma and made her cry being so rude to her, called my job when I asked them not too and told my boss she needed my work info but was not filing on me I called to confirm this and she told me they havent started that process I just made a payment.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
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 2025-04-17 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 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 non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
I Reviewed my credit profile and noticed some hard inquiries 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 explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 explanation
Consumer complaint received 2025-04-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief