vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I took out a parent plus loan for my son to attend XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  He completed one year at XXXXXXXX then transferred to XXXX. I selected in school deferment during the parent plus loan application process. 
I started receiving bills from XXXX XXXX in XX/XX/XXXX even though my son was enrolled, living on campus at XXXX and has completed his XXXX semester and had started his XXXX semester. 
I contaced XXXX XXXX to inform them and offered supporting evidence, they declined stating his school would/should provide evidence. XXXX assured me they had. In XX/XX/XXXX I received credit alerts of missed payments. I've spent countless hours on the phone with XXXX XXXX  and XXXX My credit score went down from a XXXX to XXXX for 90 days of missed payments. The parent plus loans were in a inschool deferment and no payments were due yet. Please help, Overwhelmed and defeated Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Comenity Capital Bank XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX To Comenity Bank/Bread Financial : 1 . As of XX/XX/XXXX, my XXXX XXXX XXXX Comenity Bank credit card is CANCELED. The last 4 digits of the credit card are XXXX. My address and contact information are below 2. The reason for the cancellation was that I was cheated by Comenity/Bread Financial . 

3. In late XXXX XX/XX/XXXX, I had been told by an agent on the Comenity Consumer line ( XXXX ) that my late fees had been reduced, my total balance was {$55.00}, which I paid. The late fees had originally been posted due to address changes and Post Office delays over the winter. 

4. Although this total balance was paid, I received a bill on XX/XX/XXXX, indicating that the late fees had not been reduced and were continuing to accumulate interest and additional fees. On XX/XX/XXXX, an agent stated the reduction in my previous bill had never been documented by the agent, so I was responsible. 

5. I found on XXXX the following, with citation : A significant portion of Bread Financial 's revenue is generated through late fees charged to the subprime consumers it primarily serves. ( XXXX, XXXX ( XX/XX/XXXX ). " XXXX, Bread plan offsets to late fee cap ''. Payments Dive. Retrieved XXXX. ) Anecdotally, I have always wondered why Comenity bills always seem to arrive late. 

6. Clearly, the first agent offered me a reduction in my bill, but purposely never documented it so that new late fees could be charged together with additional interest. 

7. I will not allow Comenity/Bread Financial to cheat me. Summaries of this complaint will be sent to the XXXX XXXX XXXX The Consumer Financial Protection Bureau, and the Federal Trade Commission. 

Respectfully submitted, XXXX XXXX ( electronic )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : 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 2025-07-04 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-04 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding a CareCredit account Ive had with them. I was a responsible cardholder for over a year, making every monthly payment on time and in full with XXXX late payments. 

However, during a period when I was switching banks, a payment was accidentally pulled twice. The second pull failed ( understandably ), and instead of resolving it appropriately, Synchrony shut down my account without warning. Despite this, I have continued to pay off the card balance, and have not missed a single payment. 

Recently, I reapplied for the CareCredit card. Since my original application, my credit score has increased by over XXXX points, so I expected a favorable decision. Instead, I was denied and the written reason I received by mail was unsatisfactory payment history with Synchrony Bank. 

This is not accurate. I have full documentation showing an entire year of perfect payment history. The unsatisfactory payment they are referencing appears to be the one failed attempt related to their duplicate withdrawal when I was switching banks which was not due to missed payments or irresponsibility on my part. 

I have reached out to Synchrony Bank twice by email, both on XX/XX/XXXX, giving them a chance to review my application or respond to my concerns before filing this complaint. I made it clear I intended to escalate this to the CFPB if they did not respond or review my application appropriately. Ive received no response. 

I am attaching the following documents below : A copy of the letter they sent stating the denial reason My CareCredit Card payment history showing no late or missed payments Copies of my emails to Synchrony Bank { XXXX XXXX XXXX XXXX XXXX  : 1. Statement Summaries ( XXXX  ) Screenshots showing continuous monthly statements, confirming my account was active and consistently being paid on. 
2. Transaction History Samples Screenshots showing several specific payments from recent months, all posted on time. 

While I have not included every individual transaction to avoid excessive uploads, these documents clearly support my claim of perfect payment history. If additional documentation is required, I can provide a full transaction record. } Also, in the screenshots below you will see I attempted reaching out to two different customer service emails that Synchrony Bank had to be reached at. I sent the exact same email to both domains incase one email was not longer valid or my email did not be delivered and I did not want them to miss my email so I forwarded the same one to both email addresses, again, I have yet to receive a response from either. 
- The first email domain is : XXXX - And the second email domain is : 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 explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On My XXXX I purchased a {$1500.00} cashiers at Truist bank XXXX XXXX XXXX XXXX NC for an apartment complex. I was then a victim of XXXX XXXX and had to move back to Virginia. I went back in the bank on XX/XX/XXXX to stop the payment since I wasnt staying at this apartment complex. I was then charged {$35.00} and was told it would receive it in 90 days. The teller was very rude as well. On XX/XX/XXXX I went into a Truist bank in XXXX Va, XXXX XXXX XXXX XXXX, to change my address. I asked the teller to check on my stop payment and was then told it was an error made by the teller in XXXX NC and the {$35.00} XXXX paid for the stop payment was returned to me. The branch manger from XXXX called me before I got home to apologize and let me know she would be speaking with the teller. I disputed this transaction because I live in Virginia now so why should I pay a deposit at a place Im leaving. I lost my job, had to leave my life and almost lost my dog due to this XXXX  XXXX incident. I disputed this transaction with Truist bank the same day I found everything out and they also took. Y debit card because of a unauthorized transaction. I received an email that I would have my card by the XXXX of XXXX and I dont and my dispute was also denied. I called the bank and was told I couldnt appeal the denial. As soon as the bank opens I will be removing my money from this bank and closing my account and Im definitely contacting a lawyer. How can my dispute be denied due to a bank teller error that I was charged. The charge was returned but my money wasnt. I may never use my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I still havent found employment in Virginia therefore my rent hasnt been paid for XXXX and now Im told I cant get my money back that was taken due to the bank teller. I havent hasd this account for 90 days and cant receive a temporary debit card and Ive had so many issues so far. As soon as the holiday is over I will be taking everything except {$10.00} out of this account so my {$1500.00} can be returned. I will be contacting a lawyer on Monday.

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 2025-07-04 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative ( File No. 2025-CFPB-0002 ). Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/year>XXXX  a transaction in the amount of {$290.00} was made on my account that I did not authorize. I followed any and all steps in filing a dispute for the transaction made and securing my account. On XX/XX/year>XXXX  my dispute was denied and their investigation found that there were no errors that occurred and the {$290.00} would not be credited back to my account. Both my virtual and physical cards were frozen on my account at the time the transaction was made. When I looked into the transaction more I found out that the {$290.00} was sent to a XXXX  account that I have no affiliation with whatsoever and is not even a member of Chime. When I called the customer service for Chime I was told that there was no further help that they could provide to me and that they would not investigate any further without new information about the transaction. There is no new information that I can give to them because I don't know who or where the money went. Chime promotes that they strive to keep customers accounts safe and have extra security measures that they use in assuring that you're money is safe with them. Well apparently that is not the truth by no means it is false advertisement and something needs to be done. Because if my {$290.00} can so easily slip through there extra security measures then who's to say that it's not possible that my money wasn't taken by someone within the company. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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