vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing repeated, automated credit-line decreases by Synchrony Bank on my PayPal Credit ( SYNCB/PPC ) account that have caused over-limit reporting and a material drop in my credit score despite on-time payments and increased paydowns. 

As shown on my XXXX report ( attached ), the SYNCB/PPC account is open and never late, with a last payment on XX/XX/XXXX and a monthly payment of {$80.00}. As of XX/XX/XXXX, my balance was {$1100.00} while the new credit limit was reduced to {$1100.00}, resulting in 100 % utilization created solely by Synchronys limit cut. My account was originally opened XX/XX/XXXX, and has never been delinquent. 

My XXXX XXXX score declined from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, directly following these repeated credit-limit decreases. Each time Synchrony conducts an internal review and automatically lowers my limit, my utilization spikes, my score drops, and I become ineligible for balance-transfer or refinancing offers. This self-reinforcing cycle has caused significant financial harm even though I have made multiple payments above the minimum due and never missed a payment. 

These actions appear to constitute an unfair or deceptive act or practice ( UDAAP ) under 12 U.S.C. 5531 and may also qualify as an adverse action under the Fair Credit Reporting Act ( FCRA 615 ) and Regulation B ( ECOA 1002.9 ). Synchrony has not provided a written adverse-action notice or reason code for the repeated reductions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX credit card company stated card holder called requesting a credit increase. The increase was made when I was on a cruise could not use my phone. I did not call nor did my daughter she was also with me. Transactions were not declined that should of been. Transactions were allowed then increase occurred. I went over my limit on XX/XX/XXXX. I only made one payment on my card before my cruise. Had card for a few months. They responded that they ran a report for increase because I was a customer in good standing!! My income does not permit me to have a high amount on this card. They ran this report the same time I was on a cruise no way to get proof of increase to accept or decline. They took advantage of the time and accuse they have the right to do this. The time should tell the story on a cruise went over limit increase of {$2500.00}. No way of calling to request but was told I did. Now story changed to they do this randomly and will be pulling my credit monthly. Hard copy monthly. I offered to pay what my limit was {$1000.00} in good faith XX/XX/XXXX I sent {$500.00} towards that amount XX/XX/XXXX. My charge was {$3200.00} card listed onboard connected to XXXX people with usage. None of the charges were declined after I reached my {$1000.00} limit put on card that they decided I qualified for. I am XXXX I am sending information to Attorney General 's Office in NC also. Elderly fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I deposited money into my XXXX savings account over the course of XXXX weeks. Starting on XX/XX/XXXX and last deposit was on XX/XX/XXXX. Total deposits were {$4000.00}. 

I tried to attempt a transfer of {$750.00} to an external bank on XX/XX/XXXX and they closed my account on XX/XX/XXXX. XXXX stated that they have refunded the money back to the original bank but it has been almost 30 days and the funds have not arrived. 

I reached out to them on XX/XX/XXXX and they replied on XX/XX/XXXX stating that : " If the funds cant be returned to the originator, they will be sent to your state of residence upon reaching dormancy per your states laws, which varies depending on the state and can take up to XXXX years. '' This is unacceptable that they would cause my money to go into limbo for XXXX years for using their services as intended. Please help provide a reasonable resolution. XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
XX/XX/year> AMSHERCOLLECTIONSERVICES Debt, XXXX I am not liable for this collection I demand to take this off my report I do not have a contract with the AMSHERCOLLECTIONSERVICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding Affirm , Inc . 

Affirm continues to maintain an incorrect and outdated email address on my account XXXX which has not been valid for over XXXX years. My correct email address is XXXX. Because Affirm refuses to update this information, I am unable to access my account or make payments toward my outstanding balances. 

I currently have XXXX active installment loans with Shop.com financed through Affirm. I have made multiple attempts to make payments and access my account through XXXX website and mobile app, but both deny access due to the outdated email on file. 

I have contacted XXXX  customer service several times. Each time, I am told that my case must be forwarded to another department, and that I would receive a response within XXXX business days. This has happened XXXX times without any follow-up or resolution. 

I am now at risk of late payments being reported to credit bureaus, which could harm my credit. Representatives have confirmed that they can not process payments or provide account details over the phone. 

I want to make it clear that I acknowledge and accept responsibility for both XXXX installment loans and intend to make timely payments. However, I need Affirm to correct my account information and restore access so I can make payments and avoid credit damage. 

I am requesting the CFPBs assistance in compelling Affirm to : XXXX. Correct my contact information to XXXX. 
XXXX. Restore online account access. 
XXXX. Enable me to view and pay both active loans. 
XXXX. Ensure no negative credit reporting occurs due to their system issues or delays. 

XXXX continued lack of response and failure to provide a working payment method is unacceptable and has the potential to unjustly damage my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Summary : I am disputing XXXX reporting and handling of my former Citicards CBNA credit card account. The account was charged off for approximately {$39000.00}, even though my original credit limit was {$17000.00} and the balance was allowed to exceed that limit without authorization. 

Timeline and Issues : My last legitimate payment was made on XX/XX/year> for {$50.00} from my XXXX XXXX  account. Citibanks reports to the credit bureaus show a different Date of Last Payment. 
I filed multiple written disputes and fraud complaints with Citibank at that time, supported by documentation, because several charges were fraudulent or unauthorized. 
Despite those disputes, Citibank continued billing, allowed further charges, and later reported the account as charged off without completing a proper investigation or honoring my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

The current reporting also misrepresents my credit history under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because the balance, limit, and payment history are inaccurate and incomplete. 


Supporting Evidence : I am attaching my dispute letter, proof of last payment, and supporting records. Citibank has access to my original dispute and fraud investigation files from 2021 and should retrieve them for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: MA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial fail to process my first payment. I have automatic payment setup. Westlake pressured the dealership to buy back the loan and now the dealership wants to repo the car. This scam is hurting thousands of people with low credit score.

Westlake Financial already has a lot of complaints against them on XXXX. Not sure why this company is scamming people and allowed to continue this bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have not applied for auto loans in years and over the last 12 months I have tried to dispute these inquiries without any success. I have had multiple data breaches as well. Herd is a list of inquiries which I noticed most of them fell on the same day as one another. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reported with inconsistent balances and late-payment histories : Experian  shows {$1800.00} past due ; Equifax shows {$3100.00} XXXX with {$290.00} past due ; TransUnion shows {$3100.00} XXXX with {$320.00} past due. 
The same account reflects different dates of first delinquency and contradictory deferment information, although payments were deferred until XX/XX/XXXX. 

Under XXXX XXXX Trans Union ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ), a credit bureau must perform a meaningful reinvestigation and not rely solely on automated e-OSCAR responses. 
Aidvantages inconsistent reporting violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy ), 623 ( b ) ( 1 ) ( reasonable investigation ), and 611 ( a ) ( consumer reinvestigation rights ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reported with inconsistent balances and late-payment histories : Experian  shows {$1800.00} past due ; Equifax shows {$3100.00} XXXX with {$290.00} past due ; TransUnion shows {$3100.00} XXXX with {$320.00} past due. 
The same account reflects different dates of first delinquency and contradictory deferment information, although payments were deferred until XX/XX/XXXX. 

Under XXXX XXXX Trans Union ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ), a credit bureau must perform a meaningful reinvestigation and not rely solely on automated e-OSCAR responses. 
Aidvantages inconsistent reporting violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy ), 623 ( b ) ( 1 ) ( reasonable investigation ), and 611 ( a ) ( consumer reinvestigation rights ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Since XX/XX/XXXX we have contacted Bank of America 10 times to have this need addressed. 

XX/XX/XXXX - 17 minutes on line XXXX - 40 minutes on line XX/XX/XXXX - 22 minutes on line XX/XX/XXXX - E-mail with customer service XX/XX/XXXX - 25 minutes on line XXXX - 29 minutes on line XX/XX/XXXX - 42 minutes on line XXXX - 19 minutes on line XX/XX/XXXX - 45 minutes on line XX/XX/XXXX - 53 minutes on line We have been given multiple request numbers, none of which that were completed as per the need : XXXX XXXX XXXX XXXX We had supervisor XXXX XXXX create a case with the complaint team : XXXX Form 1098 says explicitly that if the TIN is incorrect, we may be subject to a XXXX XXXX  penalty by the IRS and backup withholding of interest paid.

We were told by Bank of America we need to sign a borrower position change letter, we have been trying to get this form for six months yet they seem incapable of producing it. At this point we are looking into taking legal action to force the matter 's resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have redeemed my points for XXXX XXXX gift cards, {$500.00} each, through Chase Credit Card, they sent it via UPS without requiring signature. Per Chase, UPS did drop off on my front porch, but I never received the package. I filed a claim through UPS, per UPS, given I've never received the package, they have indicated to Chase that package was never received. UPS indicated this needs to be resolved with Chase Credit Card. But when I called Chase Credit Card, asking them if they can cancel those three XXXX cards previously issued and send me 3 new cards requiring signature, Chase refused to do so. When I asked in the future if I redeem my points again for gift cards, can they send them electronically or if they have to send physical card can they require signature before UPS just drop off the package or even send it to my local Chase Bank so I can go pick it up with picture ID, they refused all the things I've proposed. Simply indicating there '' s nothing they can do, if I redeem points for gift cards in the future, they will still follow the same practice, sending them without requiring signature. This is absolutely irresponsible, being careless with rewards/hard money consumer has earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The bank is Citibank and I opened up an account there. There was fraud on the account from a place in XXXX. They blocked me from logging into the account. When I called the number they gave me it was the fraud department. I called and spoke to customer service there 4 times and they were all XXXX women hard to understand with there accent. They said a letter would be sent with some reference number which I haven't received. They said to call back with that number. The fraud is not my fault some hacked in to it. I have {$1800.00} in savings which is my rent money. I cant get it and my rent is past due. My social security XXXX deposit will be rejected and sent back so XXXX cant pay any bills or but food. I desperately need that money.

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