vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX I purchased a washer and dryer. There was not going to be any interest or other fees if the bill is paid in full before the expiration date which is XX/XX/XXXX and XX/XX/XXXX. Which I will include paperwork that supports this information. Also their declaration of this is on my receipt. From the beginning I have been charged {$1.00} for every statement that was sent to me. That was not in the agreement in the initial purchase. Nor was I ever informed at the time of my purchase that there was going to be a {$1.00} fee just for me to get my statement. My final payment was {$190.00}. Which I've sent a money order out to them. I will include the receipt of the money order. I am not responsible for the delivery of the mail. However, when I called to see if they've received my payment, my balance was {$220.00} from {$190.00}, A difference of {$30.00}. So what I belive what Synchrony Bank is doing, is not getting their statement out in a timely manner even though they charge {$1.00} for that statement so they can charge fees, Or Synchrony Bank is experiencing the same delay in getting their payment as I'm experiencing in getting my statement. Either way, I should not be charged any fees. From the beginning of this purchase, Synchrony BankXXXX did everything wrong. Starting with me being overcharged for this purchase to begin with. Which I previously filed a complaint with CFPB on that issue. From that point on, I believe Synchrony Bank and XXXX started retaliating against me.

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 2025-12-02 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: FL

Complaint narrative:
I am a consumer trying to resolve my credit issues and am submitting this dispute for review regarding the accuracy and completeness of the information reported on my credit file. Below are the details of the accounts I am disputing. 

Please investigate the following accounts with the credit bureaus and update or correct the records as necessary. 

CHARGED OFF : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX OF ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$5100.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX BANK XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$650.00} ACCOUNT NAME : XXXX XXXX XXXX BANK ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1300.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-02 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: VA

Complaint narrative:
I, XXXX XXXX XXXX, being duly sworn, depose and state the following under penalty of perjury : XXXX Statement of Facts XXXX. Personal Information : I am a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am the rightful owner of the personal and financial information associated with this complaint. 
XXXX. Data Breach Acknowledgment : I was a victim of the Equifax data breach, National public data publicly acknowledged by Equifax in XX/XX/XXXX, which exposed the sensitive personal and financial information of millions of individuals, including mine. 
XXXX. Accounts in Question : As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. The following accounts are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's Liability : Equifax failed to adequately safeguard my sensitive personal information, which led to these fraudulent activities. This constitutes a violation of their duty to protect consumer information under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). 
XXXX Legal References XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to : Dispute inaccurate information on their credit reports ( 15 U.S.C. 1681i ).

Expect credit reporting agencies to take reasonable steps to verify disputed information ( 15 U.S.C. 1681s-2 ).

Be free from negligence in handling their credit information ( 15 U.S.C. 1681n and 1681o ). 
XXXX. Identity Theft Protection Act : Equifax is obligated to ensure reasonable measures are in place to prevent unauthorized access to personal and financial data, as per federal guidelines for safeguarding sensitive consumer data. 
XXXX Relief Requested 1. Immediate removal of the fraudulent accounts from all credit reports issued by Equifax and other credit reporting agencies. 
XXXX. A thorough investigation into the inaccuracies reported. 
XXXX. Compensation for damages incurred, including harm to my credit and emotional distress caused by this breach. XXXX  Declaration I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. 
Name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I rented an apartment on XXXX and paid {$320.00} using my XXXX account. 
On XX/XX/XXXX XXXX took the money as they should have. 
But on XX/XX/XXXX, they charged me for the same amount again.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 item in question does not align with my actual financial behavior. Please update the file after proper evaluation.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>. I received a money transfer from my sister and used my card for an in-store purchase using XXXX XXXX. 30 minutes later I attempted to use it again to purchase XXXX and my account was immediately closed and unavailable for use. I received a message stating that my account was closed and under review for suspected violation of terms and services when I contacted customer service and asked them specifically what terms did I violate they could not give me an answer. Today, XX/XX/XXXX I receive an email stating that the investigation has concluded and they have determined I did violate terms and services. I would like an explanation and evidence in the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am submitting this formal dispute because the following accounts appear to be the result of a mixed file, data breach, or inaccurate reporting on my TransUnion credit file. These accounts do not belong to me, and TransUnion is required under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611 to ensure maximum possible accuracy and to conduct a full reinvestigation. 
Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$65.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX  Open Date : XX/XX/XXXX Balance : {$160.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00}

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 



Thank you for your prompt attention to this serious matter.

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
When I noticed the unauthorized {$30.00} charge on my Synchrony Bank account, I reached out to their customer support via chat to dispute it. I explained that I never authorized this fee and asked them to remove it. Instead of resolving the issue directly, they told me I had to call another department to request a cancellation, which I find to be a deceptive practice. The charge was placed on my account without my authorization, and now they are making it difficult for me to remove it. I am seeking a refund and want to highlight that I should not have to go through extra steps for a charge I never approved in the first place. ''

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 2025-12-02 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: PA

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 non-monetary relief
Consumer complaint received 2025-12-02 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:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-12-02 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: AR

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DailyPay, Inc
State: KY

Complaint narrative:
Filed a dispute for fraudulent charges on XX/XX/year> for {$440.00}. Everytime I call I am given a different story from each employee- there is no dispute filed, the dispute was denied ( they denied the claim because for some reason they had XX/XX/year> for {$180.00} ( which I never even filed a dispute for that day ), there is no dispute, your dispute has been approved, ALL LIES! 
I was promised a provisional credit on XX/XX/year> ( which is over the 10 day period by law ) and I was told I would receive it by the end of the day but of course I didnt. I am beyond frustrated, I have never been lied to so much in my life! I will never recommend DailyPay to anyone! I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested the incorrect information to be deleted on XXXX and XX/XX/year> and they only verify the incorrect information as correct with no detailed proof from the 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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
: Debt Collector Refusing Validation, Providing False Information, and Illegally Reporting a Disputed Debt Company Name : Helvey & Associates Original Creditor : XXXX XXXX XXXX Amount : {$290.00} Credit Bureau Affected : XXXX  What happened : I discovered that Helvey & Associates reported a {$290.00} XXXX XXXX XXXX collection account to XXXX. I never received any prior notice of this alleged debt. 

On XX/XX/year>, I submitted a written debt validation request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In that email, I asked Helvey & Associates to provide : The original itemized bill The service address connected to the charges The address where they claim they mailed notices Proof they are authorized to collect The date of default Full account history Helvey & Associates refused to validate the debt.

During a phone call, a supervisor named XXXX stated that they sent notices 200 days ago but refused to tell me which address they used. They also stated they do not have to prove anything, which is a direct violation of the FDCPA.

To this day, no validation has been provided.

Legal violations : 1. FDCPA 1692g ( b ) : Failure to validate and illegal continued collection Helvey & Associates continued to : Report the collection to XXXX  Maintain active collection status Attempt collection Refuse validation after receiving my written dispute.

Collectors must cease collection until validation is provided, which did not occur.

2. FDCPA 1692e : False, deceptive, and misleading statements Helveys supervisor said : They dont need to provide proof They sent notices 200 days ago but refused to disclose the address Both statements are illegal and misleading.

3. FDCPA 1692g ( a ) : Failure to provide required notice I never received the initial notice of debt, and they refused to provide evidence they sent it to the correct address 4. FCRA Violation : Failure to mark the account as disputed Despite my written dispute, XXXX continues to show : Pay Status : Collection Remarks : Placed for Collection The account is not marked as Consumer disputes this account, which is required.

How I was harmed : My XXXX  credit score dropped significantly due to an unvalidated collection A denial for credit was based on this collection I am unable to confirm the accuracy of the debt Helveys refusal to provide validation prevents me from resolving the matter What I am requesting : 1. Immediate deletion of the Helvey & Associates collection from my XXXX credit report 2. Full compliance with FDCPA and FCRA 3. Validation documents ( if the debt is legitimate ) 4. Investigation into Helvey & Associates collection practices 5. Confirmation that all collection activities cease until validation is properly provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: A&D Mortgage LLC
State: MD

Complaint narrative:
In XXXX 2025, I submitted a complete hardship package to my mortgage servicer, including my income documents, pay stubs, household bills, and a written hardship explanation. I followed the requirements and sent all documents on time. 

Since submitting my package, the servicer has not acknowledged receiving it, has not provided any updates, and has not responded to follow-up communication. Despite this, they continue to show my account as past due and expect a large payment by a deadline, even though a complete loss-mitigation review should pause collection activity under RESPA. 

I am acting in good faith and trying to resolve this, but I can not get confirmation or status updates from the company. I am asking for assistance because the servicer is not communicating or reviewing the documents I provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. Please investigate these discrepancies and remove any inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).

CHARGED OFF XXXX  : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} LATE PAYMENT XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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