vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I called Fifth Third 's escrow department to understand why my escrow account increased {$400.00} a month. They indicated my taxes went up in XXXX ; however, I checked with XXXXXXXX XXXX XXXXXXXX and my tax bills have NOT gone up in over 2 years. Additionally, the escrow account is requiring me to keep a balance of over {$1300.00} in the account + what i owe in taxes. 

The escrow dept gave me no options to lower my payment. I e-mailed them to close my escrow on XX/XX/XXXX and received a letter in the mail on XX/XX/XXXX stating it was denied b/c of PMI and I have to re-request my PMI be removed. I know owe {$400.00} extra XX/XX/XXXX which I can not afford, and because Fifth Third Escrow will ONLY take requests via mail or e-mail it's not going to happen in time. 

I reviewed my escrow statements and there is an error and they refuse to investigate and resolve. Additionally, I asked for the formal mortgage complaint number and they do NOT have one. I have to mail in a complaint- which is so ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding what I believe to be discriminatory, arbitrary, and unfair credit underwriting practices in violation of the Equal Credit Opportunity Act ( ECOA ) and Regulation B.

I currently hold three credit card accounts with Navy Federal : - XXXX XXXX XXXX with a {$20000.00} limit, approved when my credit score was lower. 
- A Cash Rewards card with a {$1000.00} limit. 
- A recently issued Platinum card with a {$1000.00} limit. 
Despite a yearly income of {$230000.00}, a near {$30000.00} balance in my NFCU bank account, and consistent direct deposit into that account, I was only approved for a {$1000.00} limit on the latest credit card. This is unacceptable given my : - * * Perfect payment history * * across all NFCU accounts. 
- * * Increased credit score * * compared to when I was initially approved for the {$20000.00} card.

- * * Substantial deposits * * and account activity over more than a year. 
* * The key issue is the discrepancy in credit limits : one card with a {$20000.00} limit and two others with just {$1000.00} - a 20x difference- despite increased financial stability and account tenure. * * NFCU has not provided a required written explanation for this discrepancy, which is likely considered an adverse action under Regulation B ( 12 CFR 1002.9 ).

Additionally, XXXX XXXX recently approved me for a {$4000.00} credit line, despite not having the same banking history with them. This raises questions about the objectivity and fairn

ess of Navy Federals credit evaluation methods. Given recent CFPB attention and media coverage regarding NFCUs lendi
ng practices, including alleged discrimination, I urge XXXX XXXX to : 1. Investigate Navy Federals credit card underwriting policies.

2. Require NFCU to provide a formal written explanation under Reg B.

3. Evaluate whether systemic disparate-impact discrimination exists. 
This discrepancy must be addressed. I am available to provide supporting documents including income proof, credit s

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-23 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I contacted Wells Fargo to discuss my credit score as displayed on their app, specifically my XXXX  score associated with my checking account. The app reflects a XXXX score of XXXX or XXXX according to XXXX. During my communication with various representatives, including executive officers and escalation managers, I was instructed to provide supporting documentation. I subsequently uploaded the necessary documents and sent them to the designated email address they provided. This included my XXXX  scores from XXXX, along with my credit scores from XXXX and XXXX, specifically referring to my XXXX XXXX XXXX score.

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 2025-07-23 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used my CareCredit card through Synchrony Bank to pay XXXX XXXX for a XXXX  in [ XX/XX/XXXX  ]. The XXXX  has continually fallen out and never stayed in place. Despite multiple attempts to reach out to the office and request a resolution, they have not provided a working solution, refund, or any meaningful help. 

I contacted Synchrony Bank to dispute the charge and explained the situation, but I was only told that it would take 60 days and did not receive any clear assistance. Im still being held responsible for paying off a loan for a XXXX  XXXX  that was never successfully completed. I am requesting that Synchrony Bank assist in reversing or refunding the charge due to the service being faulty and incomplete.

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 2025-07-23 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-23 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-23 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I attempted to dispute and unfamiliar account listed on my credit report through XXXX XXXX. The Recievable Management Services in the amount of {$560.00}, which was reported as opened on XX/XX/year>. However, XXXX XXXX did not allow me to enter any written explanation or details when submitting the dispute. 

I do not recognize this account, was never notified of any such debt, and have information about its origin. Despite trying to dispute it, XXXX XXXX failed to process my dispute properly or give me the opportunity to explain why I believe the information is accurate. 

I am requesting that the credit bureaus ( XXXX XXXX XXXX XXXX ) investigate this account under the guidelines of the Fair Credit Reporting Act ( FCRA ). I also request that this account be marked as disputed on my credit report while the investigation is being conducted.

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 2025-07-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA605B ( 15 U.S.C.1681c-2 ) that you Equifax 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 Affidavit, Also As per the fair credit reporting act, You XXXX  is mandated to report accurate and verified information about me. I recently reviewed a copy of my credit report and noticed i am a victim of identity theft. I noticed some fraudulent Hard Inquiries reporting on my Consumer Report.

UNDER 15 U.S. CODE1681b- PERMISSIBLE PURPOSE OF CONSUMER REPORTS. ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I XXXX XXXX never gave XXXX XXXX XXXXXX/XX/year> AND XXXXXXXX XXXX XXXX XXXXXX/XX/year> any written consent or verbal consent to request my consumer report. 

I do not recognise the aforementioned hard inquiries as reported.The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not initiated by me. 

All of the aforementioned 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 hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: VA

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
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Best Buy credit card in XX/XX/XXXXXXXX  to purchase a TV for around {$1500.00}. At the time, the Best Buy sales representative told me that if I made the minimum monthly payments, the TV would be paid off and I would not need to worry about interest. The representative also helped me set up paperless billing and reassured me that everything was set up, so I believed I would be notified if anything important came up. However, the emails went to my spam folder, so I did not see reminders about the promotional payoff deadline. 

I consistently made minimum payments for two years, believing I was complying with the terms. On XX/XX/XXXX, I was unexpectedly charged {$920.00} in deferred interest, and since then, I have been charged around {$39.00} in interest every month. I was not aware that failing to pay off the full balance by the deadline would result in retroactive interest charges, and I never received clear mail notices or reminders about this deadline. 

I have contacted Citi multiple times, including their executive office, but they have refused to help, stating it was in the agreement, even though I was misled at the point of sale.

Requested resolution : I am willing to pay off the remaining balance of my purchase but request that the {$920.00} deferred interest and the ongoing interest charges since XX/XX/XXXXXXXX  be removed under a one-time goodwill adjustment, given the misleading guidance I received and my consistent payment history. 

This situation has caused me significant stress, and I am trying to resolve it fairly.

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