vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
For background : I am a XXXX XXXX XXXX XXXX who suffered a XXXX XXXX XXXX as the result of a pedestrian hit and run. If things are not clearly listed or described it will often confuse me. I live alone + do not have the luxury of assistance from anyone. I live alone and take care of everything by myself. No one is readily available who can assist me. 
When I log into my Synchrony XXXX acct online, it will show charges adn payments, but does not show what my balance is on this billing cycle. I usually charge everything on this credit card so I only have to keep track of one billing type invoice. The simpler the better. Also, bc I charge so much, there are many transactions for these charges. I also do not wait until the due date to make my payment. I pay throughout the month as I get my XXXX income. 
Every single month I have to call Synchrony as it gets closer to the closing date and find out what is currently due. This is a nuisance and I believe Synchrony XXXX is doing this to 'force ' me to get digital statements. You'd have to get the electronic statements, or call a rep every month or add all those figures up each month and hope you didn't miss one or transpose a number.

I have two other credit cards ( I use rarely ) ; however, I can readily see what I still owe within any billing cycle. If you want the answer to this on my Synchrony XXXX, I have to do one of the three time-consuming, tedious tasks.

I would like the CFPB investigate this and request Synchrony allow their paper statement customers the ability to view statements on line. They ar3 discriminating those of us who want a paper statement by not providing us with the same services as their electronic statement customers.

I have enclosed pdf 's of what I se when I'm in my online acct. Please read the title of the pdf to know what I am pointing out. 
Thank you very much! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I went to the Regions ' website https XXXX XXXX/ to schedule my credit card payment. My monthly due date is the XXXX of every month. I was able to complete all of the steps except one their site, the confirmation. I got an error message when I attempted this. I didn't want to risk making a double payment using another payment method because I didn't know if, it went thru or not. I called support in regards to the problem. Initially I called the wrong Regions ' support number. After calling another number, I was able to speak to credit card support, but was told the right department for the website support was closed. I was busy the next day and was not able to contact support in regards to the issue. After a hectic day I checked the website to see if, a payment was made or scheduled very early the next morning and it wasn't. I attempted to try to make a payment again and it did go thru. With the site problem and being so close to my normal due date I didn't think it would be a late fee on it. A few days later I did notice a late fee on my account. I called customer servuce in regards to this. I explained the situation to see if, the fee could be taken off. The lady I spoke to said she could and it would credit to my account in a few days. So I didn't think much of it until I was going to schedule payment for my next mont 's bill and saw a late fee added to my minimum payment. They did gave me a credit which only goes towards my balance. I called about this and was told there was nothing that they could do about this. That is how they do things basically. Also, I asked them hpyothetically let 's say if, I did pay using another method when the site had an issue where the customer didn ; t know if, a payment was scheduled or not and the customer risked double payments initial scheduled payment went thru and there was a double payment would they recredit my checking account for one of those payments. They informed me no, a credit given would only go towards my credit card balance. My contention is that when a company is at fault for the reason of a fee that, they do not have the authority to unilaterally resolve the problem in a manner that they see fit. The matter should be resolved in making the customer whole by putting both parties in a postion as if, the problem never occurred unless the customer agrees to an alternative solution. It would not surprise me if, Regions makes millions of dollars in ill-begotten fees every year. This was not the first time I had a similar issue with them such as this. I hope this matter can be resolved soon as it should be.

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 2025-05-04 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also DEMAND that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.

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 2025-05-04 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also DEMAND that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.

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 2025-05-04 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: IN

Complaint narrative:
I am disputing how the company XXXX XXXX XXXX XXXX ( XXXX ) is reporting a collection account ( original creditor : XXXX XXXX ) on my TransUnion credit report. 

The account is being reported as an open account, which is factually inaccurate. Collections are defaulted debts and should not be classified as open accounts under FCRA guidelines or TransUnions own Metro 2 standards. This false classification misrepresents the nature of the debt and impacts my credit utilization and score.

This inaccurate reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires that all information furnished to consumer reporting agencies be accurate and not misleading.

I have disputed this with TransUnion and/or the furnisher, but no correction has been made. I am requesting that XXXX immediately correct this tradeline to reflect its proper account type collection/closed and ensure it is not reported as an open account in my credit profile.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for and was approved for a Capital One credit card using my passport and XXXX  number, as I do not possess a Social Security Number. Capital One accepted these documents during the application process. 

I have used the credit card responsibly, making all payments on time and engaging in no improper activity. Recently, Capital One unilaterally blocked my account, preventing me from making purchases and accessing my accumulated rewards/cashback balance. 

To unblock the account, Capital One is demanding that I provide a State Government-Issued ID or a Driver 's License. I do not possess either of these documents. I find this requirement unreasonable and inconsistent, given that my passport was deemed sufficient identification to open the account initially. 

Capital One has stated that if I can not provide these specific documents, my account may remain permanently blocked. This prevents me from exercising my right to use the credit facility I was granted and, crucially, denies me access to the rewards/cashback balance that I earned through my spending on the card. These rewards are a direct result of my transactions and should be accessible to me. 

I request assistance in resolving this issue. I believe Capital One should provide a reasonable alternative method for me to verify my identity, such as using the same passport they accepted during my application, potentially through an in-person verification at a branch if necessary, so that I can regain access to my account and my earned rewards. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I have a payroll card with XXXX XXXX and have been trying to transfer funds to my account at XXXX XXXX XXXX XXXX for over a year. Every time I attempt a transferwhether through the online portal or automated phone serviceI receive an unspecified error message, and the transaction fails. 

I have contacted customer service multiple times and opened several support cases, but I have never received a clear explanation or resolution. Each time, I am encouraged to use alternative methods like online checks, which are not a practical or acceptable long-term solution. 

Despite repeated follow-ups, I have received no meaningful support, no escalation to a decision-maker, and no progress toward fixing the root issue. The help desk has not provided any timeline, cause, or accountability. 

I am requesting a formal investigation into : Why transfers to XXXX continue to fail What the specific technical or policy issue is A concrete plan and timeline to resolve this matter After more than a year of unresolved issues and poor customer service, I am requesting intervention and escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. I filed an FTC Identity Theft Report ( # XXXX ) and properly notified Equifax of fraudulent accounts reporting on my credit file. 

Specifically, the following accounts are not mine and were opened without my knowledge or consent : These accounts are being reported as collections and do not appear on my XXXX XXXX XXXX reports. I submitted my dispute to Equifax along with my FTC report and requested they block the information under FCRA 605B. Equifax refused to remove the accounts and failed to provide any method of verification, which violates FCRA 611.

Furthermore, these are collections on canceled debt, which likely involves IRS Form 1099-C reporting. Continuing to list canceled debt as collectible violates IRS tax regulations, exposing me to unnecessary tax and credit consequences. 

I am suffering financial and emotional harm due to this false reporting, including being denied housing and credit. Im now demanding the CFPB intervene and hold Equifax accountable. 

Legal violations include : FCRA 605B ( failure to block identity theft accounts ) FCRA 611 ( no method of verification ) FCRA 623 ( reporting information known to be false ) IRS 1099-C conflict ( reporting canceled debt as collectible ) Legal precedents : XXXX XXXX XXXX XXXXXXXX XXXX 

XXXX v. Equifax XXXX. XXXX, XXXX I am requesting : Permanent deletion of these accounts Written confirmation from Equifax Prevention of reinsertion without full legal compliance Please help me resolve this immediately. Ive attached my FTC Report and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
to : CFPB team, I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Accounts to Be Removed : Account Name / Account Number 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 

As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I paid my XXXX Goldman Sachs credit card bill in the month of XXXX three times, the last payment was for {$4000.00} on XX/XX/XXXX ( Sunday ) when the payment due date was XX/XX/XXXX ( Friday ) which I had a remaining statement balance of {$1500.00}. I was charged XXXX interest ( this makes sense because the last XXXX payment was after the due date ). The problem is that the next month I had a statement balance of {$13000.00} and paid {$15000.00} and was charged interest of {$180.00}. All payments were made before due date. How can I be charged interest in XXXX if my balance was paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate inquiries. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal dispute concerning a closed account being reported by XXXX XXXX, which I believe is either inaccurate, no longer verifiable, or unfairly impacting my credit profile. The details are as follows : Creditor : XXXX XXXX Account Number ( Partial ) : XXXX XXXX XXXX Status : Closed I am requesting that this account be removed from my credit report, as its continued reporting is not reflective of my current financial standing. I have attempted to resolve this matter through direct communication with the credit bureaus and XXXX XXXX but have not received a resolution. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB initiate an investigation into this matter and provide a resolution within XXXX days of receiving this complaint. If the information can not be verified or is outdated, I respectfully request that it be deleted from all credit reporting agencies. 

Thank you for your time and prompt attention to this matter. I look forward to receiving written confirmation of your findings and any actions taken. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I am writing to file a formal dispute concerning a closed account being reported by XXXX XXXX, which I believe is either inaccurate, no longer verifiable, or unfairly impacting my credit profile. The details are as follows : Creditor : XXXX XXXX Account Number ( Partial ) : XXXX XXXX XXXX Status : Closed I am requesting that this account be removed from my credit report, as its continued reporting is not reflective of my current financial standing. I have attempted to resolve this matter through direct communication with the credit bureaus and XXXX XXXX but have not received a resolution. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB initiate an investigation into this matter and provide a resolution within XXXX days of receiving this complaint. If the information can not be verified or is outdated, I respectfully request that it be deleted from all credit reporting agencies. 

Thank you for your time and prompt attention to this matter. I look forward to receiving written confirmation of your findings and any actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MN

Complaint narrative:
I don't agree with these and many other hard inquiries listed below, which still appear on my credit report, even after your investigation. I want these hard inquiries immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of the individuals with whom you verified the below, so that I may follow up as I am sure I did not authorize these inquiries.

Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
1. 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 XXXXXX/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