vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony for XXXX XXXX / SYNCHRONY XXXX Account ending in XXXX  - opened credit card with no interest promo for advertised time - upon expiration of promo - ZERO efforts were made to make consumer aware of the possible interest that will be charge if not paid in full - paid in FULL now and they will not credit the interest charge for {$100.00} - very misleading credit card company

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 2025-05-22 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: NV

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
they post things to generate fees they told me that my internal transfers are pending till next day but when i make a transfer its completed instantly and when i look at the pending tab there is nothing pending it is in my belief that this bank post things in a order that causes overdraft fees First National Bank of Pennsylvania is it owned by a foreign entity that does not have the best interest of Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to dispute an inaccurate delinquency reported on my credit file by your company regarding a vehicle account that was paid in full According to my records, the account was fully satisfied and closed on. Despite this, your company has reported it as delinquent, which is incorrect and misleading. This negative information is affecting my credit profile unjustly. 

I request that you correct this reporting immediately and update the credit bureaus to reflect the accurate status : paid and closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE DEALER HAS PLACED INQUIRY ON MY CREDIT REPORT ON XX/XX/XXXXXXXX  AND XX/XX/XXXXXXXX  I AM A VICTIM OF IDENITY THEFT IN XXXX  I WILL BE UPLOADING MY POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I paid a service provider {$500.00} using Zelle for an XXXX procedure that was not completed as promised. I voiced concerns before and after the service, and she acknowledged the issue but refused to fix it. She also never disclosed a no-refund policy until after I complained. The work done caused visible asymmetry and emotional distress. Im unable to dispute through Zelle, but I believe this was misleading and unfair. Im seeking a full refund due to service misrepresentation and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I had toll violation I paid the full amount to XXXX  Florida XXXX, linebarger Goggan Blair & Sampson, LLp the collection agency is charging 3 times as much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
I requested a debt validation from Meridian Financial Services showing that they purchased the debt from XXXX XXXX XXXX. They sent me a letter stating I was not authorized to see that, which is illegal. Per the Fair Debt Collection Practices Act, they have to provide that upon request to validate the debt. I told them I would file a complaint if they didn't, and that's what I'm here doing.

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 2025-05-22 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
Subject : Request for Investigation of Account Removal Under FCRA 1970 ( 5th Attempt ) Dear Sir/Madam, I am writing to file a formal complaint regarding the failure of the credit bureaus ( Experian, TransUnion, and Equifax ) to remove a charge-off account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) of 1970. This is my fifth attempt to have the account removed based on the legal reporting period, yet the issue remains unresolved. 

Account Details : Creditor : XXXX XXXX XXXX  XXXX Account Number : XXXX ( Last 4 digits ) Date Opened : XX/XX/XXXX Charge-Off : Yes Account Status : Closed Balance : {$1000.00} Date of First Delinquency : XX/XX/XXXX ( assumed based on account opening ) Last Reported : XX/XX/XXXX Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ), negative information, such as charge-offs and delinquent accounts, may remain on a consumer 's credit report for no longer than 7 years from the date of first delinquency. This law exists to protect consumers from having outdated and unrepresentative information affect their creditworthiness long after the debt has been settled or charged off. 

Given that this account was opened in XX/XX/XXXX, the date of first delinquency ( which I assume was around the same time ), the account should have been removed no later than XX/XX/XXXX. It is now well beyond the 7-year period, and this account should no longer be reported on my credit reports.

My Attempts to Resolve This Matter : To date, I have submitted four disputes to the credit bureaus ( Experian, TransUnion, and Equifax ) requesting the removal of this account based on its age and the FCRAs reporting limits. However, these attempts have been unsuccessful, and the account continues to appear on my credit report, despite the fact that it exceeds the 7-year reporting limit as outlined by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
Subject : Request for Investigation of Account Removal Under FCRA 1970 ( 5th Attempt ) Dear Sir/Madam, I am writing to file a formal complaint regarding the failure of the credit bureaus ( Experian, TransUnion, and Equifax ) to remove a charge-off account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) of 1970. This is my fifth attempt to have the account removed based on the legal reporting period, yet the issue remains unresolved. 

Account Details : Creditor : XXXX XXXX XXXX  XXXX Account Number : XXXX ( Last 4 digits ) Date Opened : XX/XX/XXXX Charge-Off : Yes Account Status : Closed Balance : {$1000.00} Date of First Delinquency : XX/XX/XXXX ( assumed based on account opening ) Last Reported : XX/XX/XXXX Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ), negative information, such as charge-offs and delinquent accounts, may remain on a consumer 's credit report for no longer than 7 years from the date of first delinquency. This law exists to protect consumers from having outdated and unrepresentative information affect their creditworthiness long after the debt has been settled or charged off. 

Given that this account was opened in XX/XX/XXXX, the date of first delinquency ( which I assume was around the same time ), the account should have been removed no later than XX/XX/XXXX. It is now well beyond the 7-year period, and this account should no longer be reported on my credit reports.

My Attempts to Resolve This Matter : To date, I have submitted four disputes to the credit bureaus ( Experian, TransUnion, and Equifax ) requesting the removal of this account based on its age and the FCRAs reporting limits. However, these attempts have been unsuccessful, and the account continues to appear on my credit report, despite the fact that it exceeds the 7-year reporting limit as outlined by 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 2025-05-22 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To : Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX Subject : Request for Removal of Inaccurate Accounts and Cease Collection Activity Dear Resurgent Capital Services, I am writing to formally dispute and request the removal of all accounts reported by your organization on my credit report due to significant inaccuracies. 

On XX/XX/year>, a motion was filed for wage garnishment in the amount of {$4700.00}. I have reviewed the accounts associated with this matter, which include the following : Account # XXXX with XXXX {$1000.00} Account # XXXX with XXXX XXXX XXXX  {$1000.00} Account # XXXX with XXXX XXXX XXXX  {$1100.00} These three accounts total {$3200.00}, which raises a serious concern : I have never held an account for {$4700.00}, nor do I have documentation showing how the remaining balance was calculated. This discrepancy has not been explained, and I am unclear as to whether these accounts were combined, inflated, or improperly represented. 

Although the {$4700.00} amount was paid in full, and LVNV Fundingrepresented by XXXX XXXX XXXXpursued collection, I believe the manner in which this debt was reported is misleading and inaccurate. The lack of transparency around the debt total creates doubt about the validity and accuracy of the information reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that all derogatory remarks associated with these accounts and LVNV Funding be removed from my credit file. Additionally, I request that all collection activity cease immediately, as the debt has been satisfied and the reported information appears inconsistent with the actual account balances. 

Please confirm in writing that these items have been removed and that no further action will be taken. If you require additional documentation or clarification, I am available at the contact information listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: TX

Complaint narrative:
Debt collection agency : Unity Asset Management, LLC called my mother 's phone number 3 times on XX/XX/year> between the hours of XXXX XXXX. They left ONE detailed voicemail stating if they did not speak to me today regarding my account, a note will be added to it. My mother called them back and informed them that is not a phone number to reach me at, and I would call them back later on in the day. Appx 30 minutes later she received ANOTHER phone call asking how long it would take me to call them back and if she was certain I would be calling them today. I did not provide that company with my mother 's phone number as a contact for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NV

Complaint narrative:
On XXXX XXXX  I placed a grocery order through XXXX XXXX. When I placed the order I used two payment methods, my Snap Ebt Card for XXXX, and to my debit card for {$5.00} for a tip. After placing the order I noticed that the entire amount of XXXX was charged to my debit card instead of charging the correct amount to my Snap Ebt card. I have tried reaching out to the merchant XXXX XXXX, who says I have to speak to a specialized department that has no phone support and only sends me the same automated response over and over again. I have disputed this transaction two times with Cash App, who keeps denying the dispute even though I have documentation supporting the amount my EBT card was supposed to be charged, with the excuse that I recieved the goods. Although I did recieve the goods, I only authorized a {$5.00} transaction from XXXX XXXX  onto my debit card, while the rest was supposed to be an EBT purchase. I have read online that this is something that happens frequently with XXXX XXXX, and many complaints about such. The merchant keeps telling me to reach out to my card company for support, who keeps telling me to contact the merchant. I am a single mother with one income and XXXX children. This money took away from our rent, which ultimately left me in disarray on how to recover this before I would be evicted. The fact that this was a system error and neither side is willing to do anything to resolve it is extremely unsatisfactory, especially when I am not the only one that has ever had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries AN XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX 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