vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
That is about the Synchrony company. My complaint centers on the {$16.00} interest charge applied on XX/XX/year>, after I paid the full {$490.00} balance by XX/XX/year>, as Synchrony instructed me to avoid interest ( per chat # XXXX ). I was told the {$150.00} interest charge would be removed if you paid in full, which it was, but the additional {$16.00} interest charge feels incorrect or excessive given their guidance. 

On XX/XX/year>, I made a promotional purchase for {$970.00} through Synchrony. I paid off {$460.00} until XXXX, but on XX/XX/XXXX they charged me {$150.00}. 

I contacted their support ( chat # XXXX ) to dispute the transaction and they told me that my " promotional purchase has 06 months with pay/ deferred/no interest if paid in full expires on XXXX and the current balance of my promotion is {$490.00} ''. They also added the most important : " If you pay off the remaining balance within 30 days from the expiration date, then we will be able to remove the interest ''. 
That meant I should have paid the entire amount by XX/XX/XXXX, which I did, and charges of {$150.00} were removed as they said they would. 

However, this morning ( XX/XX/XXXX ) they charged me with an additional {$16.00} and when I asked why, I got the following answer : " If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. This interest, plus interest on that interest, will be reflected on your next billing statement. '' When I objected that I had already paid, they sent me the same answer again and again the same answer. They also directed me to the number XXXX and the machine first asked me for the last 4 digits of my SSN, which I didn't give them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year> we were convinced to purchase a membership in a vacation club owned by XXXX using XXXX American Express cards -- the main one opened the day of the sales pitch. We were clearly lied to by the salesman about what the expenditure of {$24000.00} would entitle us to. We tried online and on the phone to make arrangements for vacations similar to what we expressed interest in at that meeting. We had no success and tried time and again to make a settlement with XXXX XXXX XXXX. 

Giving it further thought we realized without the use of the credit given to us by American Express, who partnered with XXXX in the sale and marketing of the vacation club, we would not have been able to make the purchase. So we communicated with American Express who initially refunded XXXX of the purchases which made up about 80 % of the total. A few weeks later they contacted us and put the charge back on our card saying we did not use the recission period to ask for a refund. But we did not know for months that we were never going to get what we thought we had purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX and Jefferson Capital collection accounts were deleted from my credit reports after successful disputes. 

On XX/XX/XXXX ( Jefferson Capital ) and XX/XX/XXXX ( XXXX Funding ), these same accounts were illegally reinserted without any written notice or verification, which violates FCRA 611 ( a ) ( 5 ) ( B ). Under federal law, a deleted account can not be re-reported unless the furnisher certifies its accuracy and the consumer is notified within 5 business days. Neither of these requirements were met. 

As a direct result of these violations : - I was denied a {$140000.00} home loan ( see attached evidence ), - Multiple auto financing attempts failed, leaving multiple hard inquiries on my reports, - My credit reputation and financial opportunities have been severely harmed. 

I am requesting : 1. Immediate and permanent deletion of these accounts from all credit bureaus.

2. A full written explanation of how these illegal reinsertions occurred.

3. Financial compensation for statutory damages and actual damages caused by these violations. I am seeking XXXX XXXX  {$150000.00} XXXX XXXX  to resolve this matter without federal litigation. 

If these issues are not resolved, I will escalate to federal court and seek punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit score has went down almost XXXX points because of this fraudulent debt that I have never heard of, or never signed a wet ink signature with this company. This company is total violation of the fair credit and debt practice, Title 15, 1692, a complete violation and there is a fee of {$1000.00} per day until this fraudulent debt come off of my credit report. Company or Corporation need to prove this debt or if I, the consumer signed a contract through a wet ink signature with this 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 2025-09-08 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
Pre-Arbitration Demand for Removal of Inaccurate Late Payment Reporting To Whom It May Concern : This letter serves as my formal * * pre-arbitration demand * * regarding the continued reporting of inaccurate late payments on my credit file. I have previously disputed this matter in good faith, providing evidence that several creditors have failed to comply with 15 USC 1666b and 15 USC 1637 ( b ) by not providing periodic statements at least XXXX  days prior to the payment due date. 

Be advised of the following potential liabilities under the FCRA : -Statutory damages : Up to {$1000.00} per violation -Attorneys fees and costs : Paid by the violator -Punitive damages : When reckless or willful disregard is proven XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. Sparrow In addition, your refusal to correct these inaccuracies may expose you to class-action liability if widespread reporting issues are uncovered. 


Despite my requests for verification, no proof has been provided that these requirements were met. Therefore, the reporting of these late payments is inaccurate, unfair, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

You are hereby placed on notice that if these inaccurate late payment entries are not deleted from my consumer credit reports within * * XXXX days of receipt of this letter * *, I will have no alternative but to proceed with arbitration and seek damages, legal fees, and all remedies available under the law. 

This is your final opportunity to resolve this matter before arbitration proceedings are initiated. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I paid {$1000.00} in cash to XXXX XXXX in XXXX XXXX, MI, after speaking with a manager named XXXX. I urgently needed transportation following the repossession of my XXXX XXXX XXXX. I was misled into leasing a XXXX XXXX XXXX with XXXX miles and unresolved mechanical issues, under the impression I was purchasing the vehicle. Payment terms were not clearly disclosedI expected $ XXXX/month, not bi-weekly payments. I never authorized a lease and requested documentation bearing my wet signature, which has not been provided. When I raised concerns, I was told a refund would take 710 days, which pressured me into signing. 
On XX/XX/XXXX, XXXX XXXX allegedly contacted my father and threatened to report the SUV stolen after I was two days late on a payment. On XX/XX/XXXX, a representative named XXXX stated the account was 26 days past due and offered to release me from the contract if I returned the vehicle by XX/XX/XXXX at XXXX XXXX While attempting to return the SUV, it failed to start. A tow driver arrived and claimed the vehicle was six months behind in payments and out for repossession. When he attempted to load the SUV with me inside, I called the XXXX, MI police out of concern for my safety. 

XXXX XXXX reported a late payment over 30 days to TransUnion. I dispute this claim entirely. I did not sign a leasing agreement with XXXX XXXX, nor did I authorize any financial obligation. I requested documentation including a wet signature contract, which has not been provided. 

I submitted a formal dispute to TransUnion on XX/XX/XXXX, with supporting documents. XXXX XXXX continues to report unverifiable information, violating the Fair Credit Reporting Act ( FCRA ). I am requesting removal of the inaccurate item and an investigation into XXXX XXXX  reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$680.00} Account Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX & XXXX Account Number : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX actions that are directly affecting my reputation and creditworthiness. Let me remind XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith. To reiterate my demands regarding the handling of my consumer report, it is imperative that both parties operate in good faith and adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). As per my rights under 15 USC 1681b ( a ) ( 2 ), I am directing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX promptly update its tradeline to paid as agreed never late on my consumer report. This action is non-negotiable and must be completed within XXXX days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( a ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is obligated to launch an investigation into my dispute and provide the results within 30 days of receipt. Failure to comply with this requirement will result in legal action and civil penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my latest report and noticed multiple accounts reporting negative and fraudulent on my behave I plan to take it to the fullest extent and remove them to clear my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
I recently checked my latest report and noticed multiple accounts reporting negative and fraudulent on my behave I plan to take it to the fullest extent and remove them to clear my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened Capitalone app and saw that my cards are both closed even if I was paying on time and never was late on my payments and I called the bank and told them why you closed my account and they said because your payment bounced in one of the cards and we have right to closed them and we can not open them again. Also We have a bank account with the same bank for many years and my wife and me and all my kids have salaries deposited in same bank. We also all have credit cards with them. 

I was so upset because closing two credit account will have a big impact on my credit report and score but they said on the phone we have nothing to do about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. 
Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Citi XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Subject : Formal Fraud Dispute Unauthorized Balance of {$4500.00} To Whom It XXXX Concern, I am writing to formally dispute and demand correction regarding fraudulent charges on my Citi XXXX XXXX  account. 

On XX/XX/year>, I contacted Citi to report fraudulent activity and dispute unauthorized charges totaling approximately {$4500.00}. Citi credited only {$600.00}, and the remaining balance was improperly carried over to a newly issued card. This is unacceptable and does not resolve the dispute. 

Please note the following facts : Prior to my incapacitation of approximately XXXX and a XXXX  years, my account reflected a XXXX balance. 
During that time, the account showed no usage, no activity, and no authorized users. 
I did not authorize or benefit from any of the disputed charges. 
I have since placed XXXX  on all XXXX  major credit bureaus XXXX XXXX XXXX XXXX XXXX 

I am requesting the following corrective actions : XXXX. The entire {$4500.00} balance be removed and my account restored to a XXXX balance. 
XXXX. Issuance of a new credit card unconnected to the disputed balance. 
XXXX. A written apology and a clear explanation of how this matter was mishandled, including where Citi failed to properly address my fraud dispute. 

If this matter is not fully resolved within XXXX days of receipt, I will have no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( XXXX ), and my State Attorney Generals Office for immediate review. 

I expect written confirmation once these corrective actions have been completed. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
i deposited a check into my account they accepted the check and closed my account down and said they will mail me a check. im no longer at the location on file cold you change my address on file my new address is XXXX XXXX XXXX XXXXXXXX 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 2025-09-06 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information that is being reported on my Equifax credit file. This letter serves as my official request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, for reinvestigation and correction/removal of these errors. 
The accounts in question are : XXXX. XXXX  XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$12000.00} Reported Inaccuracy : Equifax is reporting late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, while simultaneously showing the account as open, current, and with no past due balance. This is contradictory and inaccurate. 
XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$6900.00} Reported Inaccuracy : Equifax lists a XXXX late payment in XXXX, even though the account is reported as open, current, and paid as agreed. This false derogatory mark is misleading and unverifiable. 
Both accounts clearly indicate Current payment status and {$0.00} past due. Equifaxs reporting of late payments despite these facts is inaccurate, misleading, and a direct violation of FCRA 602 ( A ), 607 ( B ), and 611, which require consumer reporting agencies to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief