vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a new line of credit with XXXX XXXX. Once I got my information for the account, I logged in and made my first payment. When I logged in to my account to make my second payment, I received an alert stating, " Your payment is past due. '' Their system did not recognize my first payment for the first billing cycle. 

When I called into the company, they told me that I had to make my first payment after the 1st for it to count as an on-time payment. I told them it was the first payment - how does paying one day earlier make it not apply as the first payment? 

XXXX XXXX, employee ID XXXX XXXXXXXX, all customers must wait to make their payment until the month it's due has started. Otherwise, Synchrony will always charge a late fee, despite the payment being early.

This is a shady practice. This is how a company takes a quality customer and destroys their credit and/or gets extra money out of them in fees. If I could, I would pay the remaining balance and NEVER EVER accept a line of credit from them again.

This is also not the first shady experience I've had with Synchrony. In XXXX, I had a XXXX XXXX XXXX XXXXXXXX through them. They lowered my available credit because I paid off my charges often within 1 to 2 weeks of making them, so that I never carried much of a balance. This company is exactly why lines of credit have a bad wrap. They should not be allowed to treat consumers like this.

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 2025-06-03 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: Climb Credit Inc.
State: FL

Complaint narrative:
This is a formal notice that student loan servicer, XXXX XXXX XXXX, has committed a serious privacy violation and identity theft. My student loan information, which is part of my student education record, is protected under FERPA and must not be disclosed without my explicit consent. FERPA mandates confidentiality for educational records and requires written permission before releasing any information. 
My student loan information is nonpublic personal information and falls under the protections of 15 U.S.C. 6801 of the Gramm-Leach-Bliley Act. This statute explicitly requires the protection and non-disclosure of sensitive consumer data. 
I never provided written consent for the student loan servicer to furnish or report my information to any credit bureau. Under the FCRA, a permissible purpose can not be transferred. You are not allowed to obtain my credit report for one reason and then use or share it for another without a new permissible purpose. Doing so violates my rights and federal law.

You have obtained my consumer report under false pretenses, a direct violation of 15 U.S.C. 1681q. Moreover, your conduct also violates 18 U.S.C. 1028 ( a ), which criminalizes the unlawful use or possession of another persons identification. 
If I never authorized this reporting or access, it constitutes identity theft. I hereby demand immediate removal of all student loan data from all consumer reporting agencies and written confirmation of your compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX multiple inaccuracies reporting on my credit file that do not belong to me, i ask for immediate removal of these accounts please.

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 2025-06-02 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX multiple inaccuracies reporting on my credit file that do not belong to me, i ask for immediate removal of these accounts please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am submitting this complaint because there is a fraudulent and unauthorized address listed on my credit report issued by Experian. The address is : XXXX XXXX XXXX, XXXX, IL XXXX I affirm that : I have never lived at this address. 

I have never used this address for any financial, personal, or legal purpose. 

I have never authorized its inclusion on my credit report. 

I have no connection whatsoever to this location. 

I discovered this false address while reviewing my Experian credit report, and it does not appear on my XXXX  or XXXX  reports, which confirms that this is an isolated error or potential case of identity theft or misassociation. 

I submitted a formal dispute with Experian, requesting the immediate removal of this fraudulent address under FCRA Section 609 ( c ) and Section 611, which require credit reporting agencies to investigate and delete inaccurate, unverifiable, or fraudulent information from consumer files.

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 2025-06-03 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: NY

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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is reporting a XXXX  XXXX bankruptcy from XXXX XXXX. XXXX, filed on XX/XX/XXXX, discharged on XX/XX/XXXX, and officially closed on XX/XX/XXXX. However, Experian does not include the closure date, which makes it appear unresolved. They also use a reference number ( XXXX ) that does not match the official federal case number. 

I submitted my XXXX  case record to Experian during a dispute in XX/XX/XXXX, but they failed to update or verify the information. They marked the dispute as remains unchanged, even though I provided the full discharge and closure documentation.

This incomplete and misleading reporting is harming my ability to secure housing and credit. I am requesting that this record be corrected or 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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am filing this complaint because Synchrony Bank has once again contradicted itself and failed to resolve my dispute regarding unauthorized XXXX XXXX charges on my CareCredit account ( ending in XXXX ). 

On XX/XX/year>, I received a letter from Synchrony stating they can not provide billing statements for key periods ( XXXX, XXXX ), claiming the account had a XXXX balance and no activity. However, they still maintain that I owe {$4300.00}, and continue sending payment reminders which makes no sense if no statements or charges were ever generated. 

I also mailed a 92-page documentation packet on XX/XX/year>, outlining over a month of contradicting communications, including : A XX/XX/XXXX letter from Synchrony confirming the dispute is still under active 60-day review Multiple payment demands while claiming the account is resolved Inconsistent explanations for the origin of the {$4300.00} balance This is now my 7th formal complaint due to lack of transparency, repeated misrepresentation, and failure to honor my request for a full billing history. Synchrony has not provided legally required documentation to support the charges they continue to demand. They have taken away the entire total amount, then put it back all the while updating contradicting letters to CFPB. This affected my credit score negatively. 

I have not accepted any resolution and maintain that these charges are unauthorized. I request a full investigation into Synchronys ongoing practices, including their failure to produce statements and contradictory internal records. 

Please see my attachments for the latest correspondence, or lack thereof on Synchrony 's part

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Good afternoon I was working with Chase bank on paying off the remaining balance on a close credit card account. I had made a payment of {$1500.00} at the end of XXXX and agreed on a settlement with them. Soon after this I was XXXX XXXX XXXX XXXX and I have been trying to work a plan to finance and begin treatment. This has caused complete financial hardship and stress. I have never missed or been late on a payment until these last XXXX months. I stayed in constant communication with Chase rescheduling these last few weeks. I have never went over my {$12000.00} limit or even close to it exceeding {$6000.00} all together. I have paid a good amount of this balance off. I called and spoke with a representative on XX/XX/XXXX to inform them I would not have sufficient funds to fulfill the next payment due date on XX/XX/XXXX. They advised me to not worry that there would be no ACH authorization of my checking account and to call back in a week to reschedule my next payment date. My checking account was authorized anyways XXXX days later. Soon right after they closed the settlement and have sent my account to collections. This was the last thing I wanted to happen and can not believe as a customer for over 5 years that has not maxed any credit limit and never had any late payments until just recently have been treated. As a human being who was just XXXX XXXX XXXX XXXX XXXX  and who has not abused any policy is being punished for asking for more time to fulfill my side of the agreement. I am not trying to cancel any payment plan. I am only requesting a little more time to pay off my remaining {$3000.00} balance. I am at a loss of words. A overwhelming pile of stress on top of my physical and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: WI

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00}

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 2025-06-03 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: WI

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-06-02 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: GA

Complaint narrative:
I am submitting this written statement to formally report that I am a victim of identity theft. My personal information was used without my consent to open fraudulent accounts and/or generate unauthorized inquiries on my credit report. I did not authorize or open these accounts, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them blocked, investigated, and permanently removed. 

Details of the Dispute : The following accounts currently listed on my credit report are fraudulent : XXXX XXXX Charged Off {$160.00} XXXXXXXX XXXX Charged Off {$120.00} XXXX XXXX  Charged Off {$2500.00} XXXXXXXX XXXX  Collection {$580.00} XXXX XXXX Collection {$0.00} balance DEPT OF EDUCATIONXXXX XXXX XXXX XXXX totaling over {$37000.00} All marked past due ( I have no association with these XXXX  loans and did not authorize them. ) I have never opened or authorized these accounts, nor have I given anyone permission to do so on my behalf. 

Formal Request for Investigation and Debt Verification : Pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), I am formally requesting the immediate blocking and deletion of these fraudulent accounts and inquiries from my credit file.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I request full debt verification. Unless you can provide documented proof including signed applications or agreements showing I authorized these accounts, they must be deleted from my report without delay. 

Compensation for False Verification : In accordance with FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts are falsely verified as valid despite my identity theft report, I may pursue statutory damages of {$1000.00} per violation. 

Supporting Documentation Attached : Identity Theft Report ( Police Report or FTC Affidavit ) Copy of my government-issued photo ID Proof of current address ( utility bill, lease, or bank statement ) Requested Actions : Immediate deletion and blocking of all disputed fraudulent accounts and inquiries Debt verification for each account listed Written confirmation that these items have been removed from my credit report Proof that each furnisher has been notified and instructed to cease reporting unverifiable information An updated copy of my corrected credit report Please confirm in writing that you have received and processed this request in compliance with the FCRA. Failure to respond or comply may result in further legal action or a formal complaint to the CFPB.

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 2025-06-03 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
It has been since XX/XX/2024 that I have requested a copy of my original promissory note for this student loan and still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
In XX/XX/year>, a Pell Grant and Federal Subsidized loan refund of {$380.00} was accidentally disbursed to my Chime account from XXXX XXXX XXXX XXXX. This was an old, but open bank account that I was no longer using. The deposit was made on XX/XX/year>. This refund was federal Title IV financial aid, and I did not authorize the funds to be used for anything other than disbursement directly to me.

Instead, Chime ( or its partner bank ) applied the federal refund to cover prior account fees without my knowledge or consent and continued to let payments process on this account after I placed a hold until all refund money was essentially spent. Title IV funds are protected under federal law and may not be used to satisfy prior debts unless the student explicitly authorizes it in writing. I gave no such authorization. 

I contacted Chime and was told they would not return the funds. The university confirmed the refund was issued correctly on their end and directed me to resolve the matter with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
I have request on numerous occasions to have my name and address corrected. This has not happened. There is also charges that I have not made on various accounts of mine. XXXX, XXXX XXXX XXXX and others.

Company response to consumer: Closed with explanation