vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am submitting this complaint regarding improper payment handling, incorrect fees and interest charges, and account closure by Synchrony Bank. 
I carried a balance on my Synchrony credit card and made two payments through Synchrony Banks payment system in an effort to avoid interest charges : {$1400.00} on XX/XX/year> and {$50.00} on XX/XX/year>. Both payments were later rejected by Synchrony Bank as adjustments.

The {$1400.00} payment was adjusted the same day it was submitted ( XX/XX/year> ), and Synchrony charged a {$30.00} returned payment fee on XX/XX/year>. The {$50.00} payment was adjusted on XX/XX/year>, and a returned payment fee was charged the same day. As a result of these rejected payments, Synchrony assessed interest charges of {$660.00} on XX/XX/year> and an additional {$2.00} on XX/XX/year>. 
Synchrony Bank representatives claimed that both payments were stopped by me through my bank. This statement is incorrect. I did not stop, cancel, or reverse either payment. Additionally, my bank ( XXXX XXXX XXXXXXXX ) confirmed that Synchrony Bank never attempted to debit my account for either transaction. Despite rejecting both payments, Synchrony Bank failed to notify me in a timely manner. I reasonably believed my payments had been successfully processed.
Furthermore, Synchrony closed my account without prior notice, which caused additional financial and credit-related harm.

Synchrony Bank has been uncooperative in resolving this issue and continues to assert, without providing evidence, that I stopped the payments. I believe these issues resulted from Synchrony Banks internal payment processing failures, not from any action on my part.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no link to the accounts mentioned and never approved their setup. Please investigate and take them off my record. Documentation is provided.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no association with these accounts ; removal within 15 days is required under 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 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX months ago I paid my balance in full on there XXXX due date. I received a new bill with a late fee and when I called to cancel and to get fee taken off they told me that they could not help me and the I was going to continue getting late fee even after I canceled my account. They also refused to let me talk to a supervisor about this. I refused to have this discussion company affect my credit score just because of late fees that dont exist because I paid on time if they took the payment after the date I paid its on them..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: LA

Complaint narrative:
I ordered something from XX/XX/XXXXand it never came in the mail cash app sent me a support ticket saying that my refund was granted but it was only for {$3.00}.. i spent {$120.00} .. and I would like to get my full refund back because I did not receive the merchandise and cash app is not helping .. it says on there that I had a temporary credit but there's no such thing as a temporary credit when the money was taken out of my account and never put back in there..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Due to Debt Cancellation via IRS Form XXXX Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off account on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Accounts : * Creditor Name : [ XXXX XXXX ] * Account Number ( XXXX * Reported Status : Charge-Off * Date of Last Activity : [ XX/XX/year> ] ISSUE : This debt has been canceled by the creditor, as indicated by the issuance of an IRS Form XXXX ( Cancellation of Debt ). This form acknowledges that the lender has XXXX the debt and reported it to the IRS as income. The issuance of a XXXX legally ends the debt obligation, and as such, the account should not continue to be reported as a valid, collectible debt or as a charge-off. 
RELEVANT LAW : Under FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers of information are prohibited from reporting inaccurate or misleading information. Reporting a debt as a charge-off after it has been canceled and forgiven is misleading and not in compliance with federal law.

Additionally, continued reporting of this charged-off debt may constitute : * A violation of the FCRA 1681e ( b ) for failing to maintain accuracy and completeness. 
* A potential tax and legal contradiction, as the debt can not be both canceled ( and taxed as income ) and still considered collectible or delinquent. 
DEMAND : I demand that this account be immediately deleted from my credit file with your bureau. Please update my report accordingly and provide written confirmation of this deletion. 
Enclosures : * Copy of my government-issued ID * Proof of address * Copy of current credit report with the account highlighted * This dispute is being submitted in good faith and supported by federal documentation. I expect a full reinvestigation as required by FCRA 1681i ( a ), and a resolution within the 30-day window. 
Sincerely, [ 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 2025-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Charge-Off Due to Debt Cancellation via IRS Form XXXX Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off account on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Accounts : * Creditor Name : [ XXXX XXXX ] * Account Number ( XXXX * Reported Status : Charge-Off * Date of Last Activity : [ XX/XX/year> ] ISSUE : This debt has been canceled by the creditor, as indicated by the issuance of an IRS Form XXXX ( Cancellation of Debt ). This form acknowledges that the lender has XXXX the debt and reported it to the IRS as income. The issuance of a XXXX legally ends the debt obligation, and as such, the account should not continue to be reported as a valid, collectible debt or as a charge-off. 
RELEVANT LAW : Under FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers of information are prohibited from reporting inaccurate or misleading information. Reporting a debt as a charge-off after it has been canceled and forgiven is misleading and not in compliance with federal law.

Additionally, continued reporting of this charged-off debt may constitute : * A violation of the FCRA 1681e ( b ) for failing to maintain accuracy and completeness. 
* A potential tax and legal contradiction, as the debt can not be both canceled ( and taxed as income ) and still considered collectible or delinquent. 
DEMAND : I demand that this account be immediately deleted from my credit file with your bureau. Please update my report accordingly and provide written confirmation of this deletion. 
Enclosures : * Copy of my government-issued ID * Proof of address * Copy of current credit report with the account highlighted * This dispute is being submitted in good faith and supported by federal documentation. I expect a full reinvestigation as required by FCRA 1681i ( a ), and a resolution within the 30-day window. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CITIBANK, N.A.
State: NM

Complaint narrative:
Date : XX/XX/year> SUBJECT : EXECUTIVE REVIEW REQUESTED UNAUTHORIZED PIX * FAX CHARGES AND INCOMPLETE INVESTIGATION EXECUTIVE SUMMARY I am requesting an Executive Review regarding unauthorized PIX * FAX charges on two Citi cards ( {$190.00} and {$99.00} ). Citis XX/XX/year> letter incorrectly concluded that I authorized these transactions without providing evidence, merchant identity, or transaction dates. Given the incomplete investigation and prior unauthorized charges of {$5100.00}, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified XXXX XXXX XXXX, CEO of Citigroup. 

Dear CFPB Representative, I request CFPB review regarding Citibanks failure to properly investigate and resolve two unauthorized credit card charges from XXXX XXXX XXXX  Citi incorrectly deemed both transactions as authorized without providing any supporting evidence. 
{$190.00} charged on XX/XX/year> ( XXXX Anywhere XXXX XXXX ) {$99.00} charged on XX/XX/year> ( XXXX ) I have never interacted with or authorized XXXX XXXX XXXX or any related company. The merchants listed domain and contact address have no verifiable business presence, consistent with known subscription billing fraud schemes. 

Citis XXXX letter closed my dispute claiming I provided the merchant with my account informationan unsupported and incorrect conclusion. The investigation omitted one charge, provided no authorization evidence, and violated federal requirements under the FairCreditBillingAct ( RegulationZ ) for a reasonable investigation.

This case follows a repeated pattern of failures : Citi did not block or resolve {$5100.00} in unauthorized charges XXXX on my other accounts. The XXXX XXXX XXXX case demonstrates continued deficiencies in XXXX fraud detection and dispute resolution processes. 
I respectfully request CFPB intervention to ensure Citi either provides documented authorization evidence for both XXXX XXXX XXXX charges or reverses them. I also request review of whether Citis investigation met federal billing error standards and what remedial actions will be taken. 
Attachments Provided ExhibitA : Adetailedtimeline ExhibitB : XXXX ExhibitC : XXXXXXXX XXXX XXXXchargedocumentation ( $ XXXX {$99.00} ) ExhibitD : Priorunauthorizedchargestotaling {$5100.00} ( XXXX ) Exhibit E : The letter to XXXX XXXX XXXX, XXXX XXXX Citigroup, Office of the Chief Executive Officer Citigroup Thank you for your assistance in ensuring Citis compliance with federal consumer protection laws. 
Sincerely,

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ 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 2025-12-26 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: VA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-26 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: NC

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 the38668re 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 2025-12-26 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: NC

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 the38668re 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE INQUIRIES LISTED ON MY CREDIT REPORT WERE NOT AUTHORIZED BY ME. I DID NOT PROVIDE CONSENT AND WAS NOT AWARE OF THESE INQUIRIES.

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