vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing regarding my Synchrony account ending in XXXX, used to finance an eye examination under a promotional offer of approximately {$130.00} for XXXX year, with the promotion scheduled to end on XX/XX/year>XXXX  at least that what I thought. I am requesting ( 1 ) a review and correction of late fees that have accumulated and ( 2 ) a goodwill adjustment to remove the remaining late fees so that I can pay the account in full by the promotional end date. 
Since opening this account, my clear intent has been to pay on time and pay off the balance by XX/XX/year>. My typical payment pattern has been to make payments around the XXXX of each month, and I believed I was steadily reducing the debt. Recently, I learned that late fees totaling approximately {$300.00} have accrued, even though I did not receive clear notice of these fees and was unable to view them online. 
For an extended period, I was unable to access my account on the Synchrony website. Each time I attempted to log in, I was placed into a loop stating there was an update to the site and could not reach my account information or statements. This prevented me from seeing my current balance, any late fees, or specific due dates. I made multiple attempts to log in using different days, times, and devices, but was consistently blocked by this site issue. 
On or about XX/XX/year>, I spoke with a Synchrony representative by phone to ask about these late fees and to request that they be waived so I could pay the account off on XX/XX/year>. The representative stated that only XXXX late fee of {$41.00} could be waived, leaving the remaining fees in place. Given the website access problems, the lack of notice of accumulating late fees, and my ongoing efforts to pay, I believe the overall fee total is unfair and not consistent with the goodfaith way I have managed this account. 
Under the billing rights language on my statements, I understand I may dispute potential errors in writing, including situations where payments were not properly credited or where the information provided to me was incomplete or

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 2025-11-27 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: CO

Complaint narrative:
I am submitting this dispute regarding the following charged-off accounts on my Experian credit report. Please conduct a thorough investigation into their accuracy. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/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 explanation
Consumer complaint received 2025-11-27 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: PA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-27 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-27 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: TX

Complaint narrative:
Please check the materials ; the inquiries arrived unexpectedly and may be unofficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
Before being sent to collections, I had talked to several people in the billing office for XXXX XXXX asking for itemized statement because one day when I logged into my patient portal it showed that I had over paid. I never heard anything back from the billing office until I got an email from the collection agency, Tekcollect. I tried to log into my patient portal to provide proof that I overpaid but my chart was no longer available. On XX/XX/year>, I sent an email to Tekcollect showing bank statements of all payments and requested for a itemized statement reflecting all payments and charges from my first visit to that day. I heard nothing back so I followed up on XXXX XXXX  and got a response saying that charges were stated to be valid and I would receive documentation in the mail. The document received still did not reflect all payments and charges. On XX/XX/year>XXXX  I sent another email with the insufficient documentation received in the mail and demanded they cease contact until sufficient documentation showing all payments and charges be provided. Tekcollect has failed to obtain this information from XXXX XXXX and has not validated the balance owed, despite being provided with documentation of payments made. They have continued with letters and calls to collect this supposed balance and are now threatening further collection remedies that will add additional costs to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I used Capital One Venture credit card miles to book travel through their travel portal. The reservation was for XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX On the afternoon of XX/XX/XXXX my partner and I arrived at the hotel after a XXXX XXXX from XXXX only to be informed by the hotel that our reservation had been canceled. According to the hotel, the reservation was canceled XXXX times on once XX/XX/XXXX and another on XXXX. None of these updates/changes were communicated with me nor reflected in their application - I had no advance notice and their application still showed our reservations up until I called their customer service team looking for help. Because we had nowhere to stay and needed to get an explanation from Capital One, I spent almost an hour on the phone trying to get a resolution- which was incurring me international roaming changes for the minutes spent on the call. Capital One informed us that there was a problem between their vendor/booker and the hotel. They told me that their provider said the hotel canceled without approval. They found us a hotel nearby but we were not satisfied as it was not on the same level as what we originally booked. We opted to get a refund and look for a hotel on our own. Capital One also gave us additional travel credit for the inconvenience. Because of their lack of communication my partner and I went along with our previously planned itinerary and rented a car to get from XXXX to the hotel. Once we were back in the XXXX, I called in XXXX more times once on XX/XX/XXXX and another on XX/XX/XXXX I was not able to get a refund for the rental car nor phone bill. I was instead offered travel credit again which I have repeatedly not asked for as it does not resolve my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am writing to dispute several items on my credit reports that I believe to be inaccurate. These discrepancies have had a significant negative impact on my credit score and my ability to secure favorable financial terms. Below, I have listed the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. Please find below the details of the accounts in dispute. I request that these discrepancies be corrected as soon as possible. 

Charged Off : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX ( Late Payment ) Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain entries on my Equifax credit report. The information appears to be inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that a data breach may have affected the accuracy of my personal data. Below is a list of the accounts I am disputing. 
Disputed Accounts on Equifax Report : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX  Account Type : Revolving Balance : {$500.00} Account Status : Positive Violations : FCRA Violation : Inaccurate reporting of the payment history. 
XXXX XXXX : Possible exposure of personal information affecting the account 's accuracy. 
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : U.S. Department of Education Account Type : Installment Balance : {$12000.00} Account Status : Positive Violations : FCRA Violation : The balance or payment history may not be correctly reflected. 
Data Breach : Please verify that there was no breach involving my account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I have no connection with these accounts and request that they be removed within 15 days per the Fair Credit Reporting Act.

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 2025-11-27 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: IN

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 2025-11-27 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: FL

Complaint narrative:
I am submitting a formal dispute regarding inaccuracies in my credit report. I have identified several accounts that appear to be reported incorrectly and may also be affected by a data breach. I am requesting that you investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and provide me with an updated report. 
Disputed Accounts : XXXX. XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Original Creditor XXXX XXXX XXXX XXXX Balance : {$700.00} Account Status : Open Date Opened : XXXX Violation ( s ) : The account is inaccurately reported as " open '' instead of " closed '' or " charged off. '' This violates FCRA Section 1681i. 
Late Payment Status Error : The account shows late payments that do not match my records, violating FCRA Section 1681c.

XXXX. XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Original Creditor : XXXX  XXXX Balance : {$590.00} Account Status : Open Date Opened : XXXX Violation ( s ) : Potential Data Breach : Due to the discrepancies in account activity, I suspect a data breach involving this account. I request an investigation under FCRA Section 605B.

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 2025-11-27 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: TX

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-11-27 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: MA

Complaint narrative:
I am not associated with these accounts and demand their deletion within 15 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-27 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 submitting this dispute regarding several accounts on my credit report that I believe have inaccuracies or discrepancies. Below, I have provided the details of the charged-off accounts, inquiries, and late payments I am disputing, separated by each credit bureau . I request that these accounts be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : XXXX  Date Opened : XX/XX/year> Late Payment : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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 2025-11-27 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report with the three major credit bureaus Experian, The details of each account in dispute are outlined below. I am requesting that you investigate and correct any inaccuracies. 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS XXXXXXXX XXXX Account Number : 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