vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: Synovus Bank
State: IN

Complaint narrative:
I have a First Digital credit card, which is issued by Synovus Bank. I made the most recent payment on my account Thursday XX/XX/XXXX ; I paid {$41.00}, which was the minimum. XX/XX/XXXX, I logged into my account to check if the payment had gone through. It said my account had {$130.00} on it. I'm running low on food and needed to get some groceries for the weekend, so I tried to place an order online. My total came to {$100.00}, but XXXX ran a temporary charge of {$100.00} on my account to see if there were sufficient funds. My purchase was denied, saying there were insufficient funds on the card I was trying to use ( First Digital ). So I didn't get to buy groceries yesterday. I waited until today. My account still said {$130.00} available, so I tried again. Again it said there were insufficient funds on my card to make the purchase. I just checked a few minutes ago and saw that my First Digital account had gone down to {$91.00}. The payment I made on Thursday was listed but my balance did not reflect it. They are putting me in a hard spot. I will have to borrow money, I guess, but I need to get groceries for me and my family somehow and they are standing in the way of that. Don't take my money and then not apply it toward my debt. I know it's only been a couple of day, but it really should not take a week or longer for the payment to be fully applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was placed on workman 's comp for an injury at work in XXXX and could no longer afford the payments, I volentarily surrendered the vehicle XXXX of XXXX. Not only was this not reported, but the company neglected to report the repossession for over a month after I surrendered it and labeled it a seizure of property. The account has since been closed for some time and they have intentionally withheld the sold at auction price and not reflected it on the account, but have also continued to incure more charges to an already closed account. I've disputed it multiple times and been ignored, and XXXX XXXX XXXX is knowingly breaking the law and damaging my credit further and not truthfully or accurately updated the credit bureau acorridingly. I feel that this is purely out of spite and to try to illegally make more money. This has caused me countless amounts of stress, hours of missed work and dozens of opportunities I could have had had and need to live my life including securing new means of transportation. I demand this be removed entirely from my credit due to fraudulent filing and illegal credit reporting practices. If it is not I will pursue legal actions including the personal punitive damages for the extended destruction of my credit and damage to my mental health and excessive damage to my financial profile in an attempt to inhibit me from obtaining funding from other creditors. They have added new charges monthly from XX/XX/XXXX up until this past month XX/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 2025-04-26 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 account with XXXX XXXX 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 XXXX XXXX XXXX. 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 in XXXX OF XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX BANK never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.

Complaint narrative:
XXXX XXXX  flagged Experian and hit my credit report on XX/XX/XXXX for a T-Mobile past due amount of {$280.00}. I switched from XXXX when I retired and moved to an area where the coverage was weak. The account was paid up at the store when I closed it at the store. I called XXXX but they could not provide me with any written details of the charges. I disputed the {$280.00} and have been seeing activity about the dispute but nothing that says it was settled or what the status was. Then, XX/XX/XXXX, XXXX XXXX XXXX flagged my report and charged me the same {$280.00}. This lowered my XXXX XXXX from XXXX in XXXX of XXXX to under XXXX by XXXX of XXXX. At that time I was trying to get approved for a {$13000.00} auto loan with 20 % down. I was denied the loan by XXXX lenders. Since then my credit limits for my credit cards have been lowered, in XXXX case just this XXXXXXXX XXXX XXXX XXXXXXXX lowered my credit from {$17000.00} to {$600.00}. This is absolutely unacceptable. I have worked hard to maintain my good credit. How can XXXX bogus claim from a debt collector twice affect my credit and cause this much damage? I am beyond frustrated!!

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 2025-04-26 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: Kriya Capital, LLC

Complaint narrative:
Credence Resourses flagged XXXX  and hit my credit report on XX/XX/XXXX for a XXXX past due amount of {$280.00}. I switched from XXXX when I retired and moved to an area where the coverage was weak. The account was paid up at the store when I closed it at the store. I called Credence but they could not provide me with any written details of the charges. I disputed the {$280.00} and have been seeing activity about the dispute but nothing that says it was settled or what the status was. Then, XX/XX/XXXX, XXXX XXXX XXXX flagged my report and charged me the same {$280.00}. This lowered my XXXX XXXX from XXXX in XXXX of XXXX to under XXXX by XXXX of XXXX. At that time I was trying to get approved for a {$13000.00} auto loan with 20 % down. I was denied the loan by XXXX lenders. Since then my credit limits for my credit cards have been lowered, in XXXX case just this XXXX XXXX  XXXX XXXX lowered my credit from {$17000.00} to {$600.00}. This is absolutely unacceptable. I have worked hard to maintain my good credit. How can XXXX bogus claim from a debt collector twice affect my credit and cause this much damage? I am beyond frustrated!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted M & T Bank requesting to remove my escrow account ( taxes and insurance ) from my loan. Loan # XXXX. Escrow was not a requirement at the time of funding or loan origination but we opted to include escrow to have the lender we ended up with manage out taxes and insurance. We did not choose M & T Bank as our lender. Once we closed on our loan ( XXXX ), we were advised our lender would be provided to us within the coming weeks. Over the last few years, I have requested to remove my escrow so that I can manage my taxes and insurance and pay them directly instead of the lender managing this. M & T Bank said it is their policy not to remove escrow accounts if the loan originated with an escrow. This is not in writing on any closing document or loan document. The advised they can not provide this in writing as it is an internal policy. I have had many mortgages with escrow and had them successfully removed with a request/review. I have made every payment on time for XXXX  years, my loan to value ratio is below XXXX %, and I have excellent credit. 

In addition to this, they want to collect a reserve amount of nearly XXXX months of escrow payments in the event there is an increase. I should be able to handle this on my own. I've called several times requesting this to be escalated, reviewed, and the escrow removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XX/XX/year> Hard inquiry was placed on my credit report Company : XXXXINDIGO ( BANK ) I was a car holder for approximately 4 to 5 years received a advertisement for a rewards card upgrade no heart inquiry automatically approve it was false. All cards i had with company are canceled, and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-26 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: GA

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and have paying this off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Due to the Equifax data breach, my personal information was compromised. As a result, a fraudulent bankruptcy has appeared on my credit reports, causing significant harm to my financial reputation and credit standing. 

I am requesting immediate investigation, removal of the inaccurate bankruptcy entry, and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ), and any relevant identity theft protections. 

Equifax has already acknowledged that my data was impacted. I have also contacted XXXX XXXX XXXX Services as instructed under the breach settlement guidelines. 

I seek full correction of my credit reports across all bureaus, and accountability for any financial and emotional damages suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX, XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud with
in 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate late payment entries from my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These entries are erroneous and do not accurately reflect my payment history. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1666 ( b ), to dispute these inaccuracies.

Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that the information they report is accurate and only shared for permissible purposes. The late payment entries in question are incorrect and have been reported without proper verification, thus violating this statute.

Additionally, 15 U.S.C. 1666 ( b ) provides consumers with the right to dispute billing errors, which include inaccuracies in reported payment history. I am exercising this right to challenge the erroneous late payment entries and request their immediate correction. 

The specific entries I am disputing are as follows : 1. XXXX XXXX - Late Payment Reported for XX/XX/XXXX In accordance with Section 605B of the FCRA, I am providing a sworn statement asserting that these late payment entries are inaccurate.

Please conduct a thorough investigation into these matters and provide me with written confirmation of the deletion or correction of these entries. I expect a response within the 15-day period mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to resolving these inaccuracies promptly.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Red River Credit Corporation
State: OK

Complaint narrative:
I have paid over {$850.00} on a {$2000.00} loan in the last XXXX months. They are saying I have a remaining balance of almost {$1900.00}. Their payment app does not show percentage breakdowns of how payments are applied. It does not show a remaining balance. It only shows when a payment is due. I had to call to get this information. That was after they incorrectly reported my balance to the credit bureaus multiple months in a row show {$50.00} and {$100.00} increases in my balance after receiving on time {$210.00} dollar payments. My balance should be reducing over {$400.00} not increasing by {$100.00}. That is a lie.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Someone scammed my account for XXXX out of the checking account. They also took XXXX XXXX  out the savings. Yesterday at XXXX XXXX at XXXX pm. They did the same for the savings account. I called chase bank and let them know what I happened and they treated me like I was the criminal. I am a XXXX veteran on a fix income. My account is negative XXXX right now. You can pull the call recording. I called at XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I am submitting this complaint because a previously resolved debt has continued to be bought and pursued by third-party collection agencies without my knowledge or consent. 

The original debt, totaling {$21000.00} and {$20000.00}, was fully resolved and paid in full by XXXX XXXX XXXX XXXX as of [ insert date of resolution ]. I have documentation from XXXX XXXX confirming that the balance has been cleared and I no longer owe any amount on this account. 

Despite this, the debt has been transferred or sold multiple times to third-party collection agencies, including : Absolute Resolution Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These companies have attempted to collect on this debt, even though it has been settled in full and is no longer valid. I was not notified by XXXX XXXX of any sale or assignment of the debt after it was resolved, nor did I consent to it. These companies are attempting to collect on a debt that has already been discharged. 

Under U.S. Code Title 15, Chapter 41, Subchapter V, Section 1692 ( Fair Debt Collection Practices Act ), it is unlawful for a debt collector to attempt to collect on a debt that is no longer valid or has been ratified. This continued collection activity is both misleading and unlawful. 

I respectfully request that the CFPB investigate this matter and direct these third-party agencies to cease all collection efforts on a debt that has been resolved. I also request that my credit not be negatively affected by these unlawful attempts.

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 2025-04-26 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: Self Financial Inc.
State: IL

Complaint narrative:
I checked my credit report and noticed that I had fraudulent accounts reporting to my credit. Please remove this information

Company response to consumer: Closed with explanation