vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello : I am filing this complaint regarding a deferred interest charge ( ~ {$1500.00} ) that appeared on my Lowes credit card account with Synchrony Bank ending in XXXX. I had been making consistent payments via auto-pay and believed I was on track to pay off the promotional balance before the grace period ended in XX/XX/year>. Unfortunately, I fell short by a small amount ( ~ {$180.00} ) and was charged a large deferred interest fee. 

I contacted Synchrony and spoke with a helpful manager on Thursday, XX/XX/XXXX, and again on Tuesday, XX/XX/XXXX. She acknowledged the situation and offered a partial adjustment of {$800.00} as a XXXX  refund. I appreciated the gesture but had requested a full adjustment, given my payment history and the nature of the shortfall. 

I was told this {$800.00} was the final offer, partly because the grace period had ended. I asked her if I could think about it and she said that was fine and to call her back directly when I was ready to accept the offer. I also requested a case number, but was informed that my offer could be located using my name, phone number and credit card number. 

I am filing this complaint to formally request a full adjustment of the deferred interest charge. Although I missed the promotional payoff deadline by a small amount, the mistake was entirely unintentional. I continued making payments beyond the term and had every intention of fulfilling the promotional balance. Given my consistent payment history, the nature of the shortfall, and the lack of clear notice about the exact payoff deadline, I believe this situation warrants a full XXXX resolution. 

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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 2025-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/year> Equifax Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights. Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and
identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information.

Send me an updated corrected credit report.

Cease all further unauthorized reporting in violation of federal law.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
I am writing to formally dispute the late payment history being reported on my credit file for XXXX Account # XXXX. The late payment entries are inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1666b and 1637 ), and other applicable consumer protection laws. 

Legal Basis for Dispute and Removal FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting late payments that are unverifiable, outdated, or inconsistent fails this standard. 
FCRA 611 ( a ) : Upon notice of a dispute, the bureau must reinvestigate and remove unverifiable information within 30 days. 
FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers, such as XXXX, may not report information they know or should know is inaccurate. Continued reporting of these late payments without proof of accuracy violates this duty. 
FDCPA 807 : Debt collectors and furnishers may not use false or misleading representations in connection with credit reporting. 
FACTA & GLBA : Both laws protect consumer privacy and limit the sharing of inaccurate or unverifiable information without proper consumer authorization. 
TILA 1666b ( 15 U.S.C. 1666b ) : Provides the right to dispute billing errors on open-end accounts. Late payments that are inaccurate, unverifiable, or misapplied constitute a billing error under this statute. 
TILA 1637 ( 15 U.S.C. 1637 ) : Requires clear disclosure of terms, accurate accounting of payments, and proper calculation of finance charges. Misreported late payments violate these disclosure and accuracy requirements. 

Request for Verification Under FCRA 609 and TILA 1666b, I request full validation and documentation proving the accuracy of the alleged late payments, including : Original payment history records showing exact due dates and posting dates. 


Proof that XXXX followed proper credit reporting and TILA disclosure guidelines. 


Evidence that the information is accurate, current, and properly applied. 


If such documentation can not be provided, the late payment entries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am writing to formally dispute the late payment history being reported on my credit file for XXXX Account # XXXX. The late payment entries are inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1666b and 1637 ), and other applicable consumer protection laws. 

Legal Basis for Dispute and Removal FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting late payments that are unverifiable, outdated, or inconsistent fails this standard. 
FCRA 611 ( a ) : Upon notice of a dispute, the bureau must reinvestigate and remove unverifiable information within 30 days. 
FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers, such as XXXX, may not report information they know or should know is inaccurate. Continued reporting of these late payments without proof of accuracy violates this duty. 
FDCPA 807 : Debt collectors and furnishers may not use false or misleading representations in connection with credit reporting. 
FACTA & GLBA : Both laws protect consumer privacy and limit the sharing of inaccurate or unverifiable information without proper consumer authorization. 
TILA 1666b ( 15 U.S.C. 1666b ) : Provides the right to dispute billing errors on open-end accounts. Late payments that are inaccurate, unverifiable, or misapplied constitute a billing error under this statute. 
TILA 1637 ( 15 U.S.C. 1637 ) : Requires clear disclosure of terms, accurate accounting of payments, and proper calculation of finance charges. Misreported late payments violate these disclosure and accuracy requirements. 

Request for Verification Under FCRA 609 and TILA 1666b, I request full validation and documentation proving the accuracy of the alleged late payments, including : Original payment history records showing exact due dates and posting dates. 


Proof that XXXX followed proper credit reporting and TILA disclosure guidelines. 


Evidence that the information is accurate, current, and properly applied. 


If such documentation can not be provided, the late payment entries must be deleted immediately.

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 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
What happened : I financed a purchase through Affirm for a product from XXXX XXXX. When the product arrived, it was not what I ordered. I attempted to resolve this with the merchant directly, but when no resolution was reached, I filed a dispute with Affirm. 

During my initial dispute call, the Affirm representative explicitly told me : My payments would be paused while the dispute was under investigation. 
I would not be reported as past due to the credit bureaus during the investigation. 
I should disregard any past due notices. 

On XX/XX/2025, I received a notice that I won the dispute. At no time did Affirm inform me that only {$80.00} of the loan balance was being reversed. When I contacted Affirm for clarification, I was repeatedly told not to worry and that the account would be corrected once the merchants funds were returned. 

However, my account continued to show past due, I began receiving collections calls, and eventually Affirm admitted that only {$80.00} was refunded. I had disputed the entire loan amount, and I have documentation showing that Affirm never explained otherwise. 

Around XX/XX/XXXX, I then submitted an appeal dispute with additional evidence as instructed. Affirm told me I would hear back in 35 business days, but after 7+ business days I received no update. When I attempted to follow up ( XX/XX/XXXX ), Affirms system had blocked my phone number, preventing me from contacting customer service. I was only able to reach them again by calling from a hidden number ( XXXX  XXXX ). An Affirm representative confirmed my number had been blocked, which prevented me from resolving the dispute and avoiding further damage to my account. 

At this point : My account is still being reported as past due, despite Affirms assurances this would not happen during an open dispute. 
I was misled multiple times by Affirm representatives about my obligations and the status of my dispute. 
Affirm failed to follow its own dispute-handling procedures and timeframes. 
Being blocked from contacting the company caused unnecessary hardship and left me unable to manage my account. 

Desired Resolution : Removal of all negative credit reporting related to this loan. 
Full cancellation of the loan balance, since Affirm mishandled the dispute, misrepresented terms, and obstructed my ability to resolve the issue. 
Written confirmation that my credit will not be harmed due to Affirms actions. 
Assurance that Affirm will review its customer service practices so other consumers are not blocked from reaching support during active disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-24 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-24 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: FL

Complaint narrative:
On XX/XX/XXXX, I noticed that my XXXX XXXX account was reported as delinquent. This has occurred twice in the past two months. I had previously set up a payment plan and was verbally informed that, because I was up to date on my payments, my credit would not be negatively impacted. I have called multiple times and no solution. 

My account has been current since XXXX, and I have never had a late payment before. The incorrect reporting is negatively affecting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my account information. I request that this account be reviewed and corrected to reflect its true status. I have documentation supporting my payment history and the assurances I received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I was make payment on time but I didnt know payment went up {$95.00} dollars more, company put in my credit report late also get payment,

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 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Ascendium Education Group
State: IL

Complaint narrative:
Viral social media published by the Department of education requirements for guarantee agencies Licensure in states that they guarantee a national guarantee agency would need licensure in each state they are a servicer guarantee agencies need to keep the borrowers disbursement information in case the department needs to refer back to them. Identifiers or school codes are a requirement to be affiliated with the US department of education under truth in lending laws violations are predatory lending and or fraud Illinois guarantor confirm they can't guarantee a loan unless they have an identifier or school code the first complaint at the CFPB was XXXX student aid funds and they responded with an attachment indicating they did not have a school code of identifier in proof as when filing for bankruptcy under proof of debt every court asked for proof indicated they were not a servicer because they were not approved with an identifier or school code also proof would be given when an offset is done. Federal student aid by notice confirm there was no issuance of a Pell grant at XXXX XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I see that multiple unauthorized inquiries are still appearing on my credit report today, and I have no explanation for why. Refreshing my browser did not remove them. I urgently request that all the documents I submitted be reviewed carefully so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
Hello, Upon reviewing my recent consumer credit report, I noticed that there are inaccurate entries related to my account that are not consistent with my payment history. I have always maintained on-time payments and have acted as a responsible borrower. 

The account in question appears to show missed payments and remains on my report, despite being closed for several years. To my knowledge, this account dates back approximately nine years, and I have never missed a payment on it or any other account. 

As you know, credit reporting agencies rely on accurate data from creditors, and it is essential that all reported information reflects the truth. Inaccurate reporting can have a serious negative impact on consumers, as it has in my case. 

I am formally requesting an immediate investigation into this matter. Please provide documentationsuch as account statements or payment recordsthat supports the reported delinquencies. If no such evidence exists, I respectfully request that the incorrect information be removed or updated to accurately reflect my on-time payment history. 

Acct-XXXX  I take my financial responsibilities seriously and ask that this matter be addressed promptly. Please confirm receipt of this message and advise on the next steps toward resolution. 

Thank you for your time and prompt attention.

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 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union regarding the mortgage application process initiated in XX/XX/year>. Despite full transparency on my existing mortgage with NFCU ( converted to rental with your approval in XX/XX/year> ), and over six weeks of processing with 3 loan officers and 3 supervisors, I was only informed three days before closing that NFCU guidelines prohibit two primary residence loans. This late disclosure resulted in direct financial loss of over {$2000.00} and a lost home purchase opportunity. I am seeking reimbursement of these expenses and an internal review of why such a critical guideline was not disclosed at the outset Loan ID # XXXX

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Navy Federal Credit Union XXXX Account Number ( masked ) : XXXX - Status Reported : Auto loan, charged-off This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TapTap Send Inc.
State: ND

Complaint narrative:
On XX/XX/XXXX I requested a money transfer to XXXX for the amount of {$2500.00} dollars and the money did not arrive, the three business days that the money could take to arrive passed and I contacted customer service, they requested a statement from the recipient 's account where it can be seen that the money was not received, and I requested the information to locate the funds, information that to this day I have not received and they have not contacted me, and I still have not located the money.

Company response to consumer: Closed with monetary relief