vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX sold me merchandise. Credit to purchase the merchandise was provided by Synchrony Bank. It was explained to me that the purchase would be interest free for one year. At the end of that year, if it was not paid off Synchrony Bank would start to charge interest. However, at the end of the year Synchrony Bank, after collecting payments from me for the entire year, added {$800.00} in deferred interest for one year back onto the account which basically has me right back at the original loan amount. XXXX XXXX misrepresented to me that this was the case. They explained to me that the creditor Synchrony Bank would start charging interest at the end of one year, not deferred interest for the entire year. XXXX XXXX misrepresented to me how this would take place. Synchrony bank has committed usery because they made a loan and to charge accrued interest at the end of one year is excessive and unfair.

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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  had removed this debt from my credit report and now they have put it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I want it removed they are not licensed in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
Someone tried to obtain a XXXX XXXX without my consent resulting in a hard inquiry on all 3 of my credit reports. I did NOT authorize this inquiry.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
So on XX/XX/XXXX i tried to send money to my landlord for XXXX dollars through XXXX XXXX XXXX had my sisters profile in the app with her picture. I sent it pulling the money from my sofi bank account. I got a text from XXXX XXXX  saying i sent the money to someone else. I canceled the payment cause i didnt even know the person it said. So i called both banks and filed desputes with both banks. For monthXXXX XXXX XXXX said the money was refunded to sofi and he we are in the middle of XXXX and im still out the XXXX dollars and both banks are playing games. And refuse to answer me. Where my money is.please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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\nSubject: Formal Dispute of Inaccurate Information on Credit Report\n\nDear Sir or Madam,\n\nI am writing to formally dispute inaccurate information on my credit file related to my XXXX XXXX XXXX  credit card account.\n\nAccount in Question:\n\nCreditor: XXXX XXXX XXXX XXXXn\nAccount Type: XXXX XXXX XXXX XXXX\n\nAccount Number: XXXX XXXX XXXX XXXXn\nFor the past four months, from XXXX XXXX XXXX XXXXXXXX XXXX XXXX has been issuing fundamentally inaccurate and misleading billing statements. Specifically, the bank has repeatedly reported failed payments as successful on my monthly statements. This error was not caught before the statements were issued, even when the payments had failed several days prior to the statement closing date.\n\nThis pattern of error has created a false picture of my account's status, leading to a significant carry-over balance that I was not made aware of in a timely manner. As a direct result of XXXX XXXX reporting failures, they have charged me a total of XXXX  in unwarranted, compounding interest charges.\n\nI am concerned that this situation may lead to XXXX XXXX  reporting inaccurate negative information to you, such as late payments, returned payments, or an incorrectly high balance, which would unfairly damage my credit history.\n\nAny negative reporting on this account related to these events is a direct result of the creditor's systemic billing errors, not my failure to pay. I have been actively trying to pay my balance but have been misled by the information provided to me by XXXX XXXX\n\nI have filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) and am in the process of disputing this directly with XXXX XXXX.\n\nI request that you immediately initiate an investigation into the reporting on this account. Please place a notice of dispute on my file for this account and suppress any negative information associated with it until your investigation is complete.\n\nI have enclosed copies of the relevant XXXX XXXX statements and my bank statements that clearly document this pattern of errors. Please let me know if you require any further information from me.\n\nSincerely,XXXX XXXXn\nEnclosures:\n\nCopy oXXXX XXXX XXXX XXXX  Credit Card Statements (Cycles ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nCopy of relevant XXXX XXXX XXXX Checking Statements (Periods covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX)\n\nCopy of my driver's license and a utility bill for proof of identity and address."

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX. Account was open on XX/XX/XXXX. The credit card worked for roughly XXXX weeks. On XX/XX/XXXX, my transactions started being declined. I called Customer Service. They said they were going to open a ticket and wait XXXX to XXXX days. I waited and never heard back either by phone or email. I have called at least XXXX more times since then. I have also opened tickets online. The issue has still not been resolved. All my transactions are still being declined and the card is basically useless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While reviewing my credit report, I discovered inquiries that I did not authorize and that are not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: WA

Complaint narrative:
I am filing this formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act regarding account # XXXXXXXX XXXX XXXX XXXX XXXX  maintained by XXXX XXXX XXXX. 

Violation Summary : XXXX  has willfully violated FCRA requirements by verifying and maintaining mathematically impossible information on my credit report. The account shows conflicting status indicators of both " charged off '' AND " paid in full '' simultaneously, which represents logically inconsistent and inaccurate reporting that can not possibly be correct. 

XXXX failed to conduct a proper investigation by accepting the generic " XXXX XXXX XXXX XXXX XXXXXXXX '' code without obtaining or reviewing actual supporting documentation that would resolve these clear contradictions in the reported information. 

Additionally, XXXX  has allowed XXXX XXXX XXXX to continue reporting conflicting status codes and amounts without requiring the furnisher to resolve these obvious discrepancies, demonstrating systematic failures in their quality control procedures. 

Evidence includes : XXXX XXXX verification response letter dated XX/XX/year> Current credit report showing the impossible status combination Complete history of previous dispute documentation I request immediate deletion of this unverifiable account, civil penalties for willful non-compliance, and a full audit of XXXX XXXX verification procedures to prevent these violations from affecting other consumers. Equifax also remains noncompliant in regard to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
im writing to dispute the reporting of one late payment associated with Barclays ring credit card account ending 4696. These derogatory mark ( late payment ) as reflected on my credit report are inaccurate and not supported by proper documentation or lawful billing practices. under 15 U.S. Code 1666b of the fair credit billing act, a creditor is prohibited from treating a payment on a credit card account as late for any purpose including reporting to a credit bureau unless I has first adopted reasonable procedures to ensure that billing statements are mailed at least 21 days before the payment due date. if the information can not be verified within the time required by law, you are obligated to remove it.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
I have tried to purchase a home in XX/XX/XXXX and a vehicle in XX/XX/XXXX and these accounts are reporting on my credit report, but are not mine I have disputed these accounts with the credit reports 3 times this year and the last response I got back from XXXX is they are not required to investigate an account that they have previously investigated XX/XX/XXXX. The bureaus have not provided sufficient evidence of why this is still reporting. I really want to buy a home and feel pressed for time and with these accounts showing up when the lenders pull my credit I am automatically getting denied even though they are not my accounts. According to the 15 USC 1681 law, this is defamation of my character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a message on Tuesday, XX/XX/XXXX at XXXX central time from Navy Federal Credit Union about suspicious activity on my account. I confirmed the activity was fraudulent. The transactions in question were titled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and were in the amounts of : {$500.00} ; {$500.00} ; {$500.00} ; {$500.00} ; {$500.00} ; {$100.00} ; {$100.00} totaling {$2700.00}. Upon learning of this I went into my account and found further fraudulent transactions of {$10.00} ; {$1.00} ; {$2.00} ; {$50.00} ; and a credit of {$4.00}. I reported all of these as fraud immediately. Additionally, the charges are under my wife 's name using my card info. The card in question was never lost or stolen or out of my possession. I submitted all records of XXXX XXXX transactions showing that none existed on my account. My wife does not, and has not ever, had XXXX XXXX. This is clear cut fraud and I assumed it would be resolved appropriately. I later received notification that my claim was denied. Upon learning this I immediately appealed the denial. Along with this appeal I submitted proof of a police report that I filed in regards to the fraud. On XX/XX/2025 I received a letter in the mail from Navy Federal Credit Union that they stand by their result and I am responsible for the stolen {$2700.00}. I do not understand how any conclusion could possibly be arrived at other than fraud and a reimbursement of the stolen funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a charge-off under the furnisher XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year> in the amount of {$43000.00}. This reporting is completely inaccurate, incomplete, and a violation of my rights under the Fair Credit Reporting Act. I have repeatedly attempted to address this through disputes, yet Equifax continues to allow this false charge-off to remain on my credit report, demonstrating a reckless disregard for accuracy and compliance with the law.

Under 15 U.S.C. 1681e ( b ), Equifax is legally required to ensure maximum possible accuracy in the information it reports. Reporting this account as a charge-off when the data is either unverifiable or outright false is a blatant failure of that duty. Furthermore, under 15 U.S.C. 1681i, Equifax is required to conduct a full and reasonable reinvestigation once notified of a dispute. Instead, Equifax has either failed to properly investigate or has relied on automated third-party verification processes that regurgitate false data without obtaining actual, documented proof from XXXX XXXX XXXX 

This inaccurate reporting has caused me significant harm. I have been denied auto financing, faced higher insurance premiums, and have had housing applications scrutinized or rejected. I have also been subjected to higher credit costs, directly affecting my financial stability. The presence of this false charge-off has damaged my reputation, making me appear financially irresponsible when I have done nothing to warrant such a derogatory mark. Beyond financial harm, the stress and emotional toll of being judged unfairly due to Equifaxs negligence has been overwhelming.

Equifax has no right under the FCRA to continue publishing an inaccurate charge-off. The FCRA does not allow reporting agencies to shift the burden back to the consumer ; the burden is on Equifax to maintain accurate reporting and to verify disputed information properly. The continued reporting of this {$43000.00} charge-off is unlawful and represents a willful violation that exposes Equifax to liability for statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I attempted to cash my valid printed payroll check at the XXXX XXXX XXXX bank of America as that is who wrote the check, the manager on duXXXX XXXX XXXX was extremely uncooperative and disrespectful and outright refused to cash my check stating that it was over the non member limit but would not say the limit he was referring to, I now have to wait another week for my paycheck

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 2025-08-19 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: IL

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains serious inaccuracies that must be addressed. These errors are causing significant harm to me, both financially and personally, and their continued presence is unacceptable.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I filed XXXX disputes on XX/XX/XXXX XXXX XXXX of the amount of XXXX and the other in the amount of XXXX totaling XXXX transactions XX/XX/XXXX I received a denial decision 3 days after filing this view and they said they were able to thoroughly and completely investigate all XXXX transactions in 3 days which I don't believe so I sent in my paperwork file and appeal on XX/XX/XXXX and had heard nothing back so when I called and to check on my appeal I was told that it was too late and I could not file however it was not too late because I replied to the email and which I was told to reply to with the documents from the hospital showing that I was in the hospital not able to make these transactions and they completely ignored the fact that I sent in my paperwork on XX/XX/XXXX and denied my decision without even looking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-19 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
The collection agency is violating consumer rights and damaging credit. This account is inaccurate.

Company response to consumer: Closed with explanation