vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: OK

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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: MI

Complaint narrative:
I recently reviewed my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts on my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
My information was involved in a XXXX data breach and I do not recognize these accounts below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is with regard to the erroneous opening of a second CD account and improperly transferring funds resulting in foregone interest income. 

Due to an internal operational error, the bank improperly split my originally established CD account into two separate accounts, resulting in the loss of five days worth of interest. This interest was never credited to me as it should have been, and the mistake directly stemmed from the banks failure to process the account correctly. 

Following is my Mail correspondence to the bank, requesting {$250.00} being credited to the original account. 


Synchrony Bank Customer Support XX/XX/XXXX Hello, This writing follows my original Secure Message of even date ( above ) and also your mailed document dated XX/XX/XXXX. 

On XX/XX/XXXX, I transferred in a total of {$250000.00} to open up a 5 yr CD. Of this sum, for a reason unbeknownst to me, the {$250000.00} was credited onto account XXXX in two tranches, one for {$100000.00} and another for {$150000.00}. 

On XX/XX/XXXX the tranche for {$150000.00} gets transferred to XXXX but the corresponding prorata capitalized interest for {$250.00} got somehow written off. 

I can tell you that I only intended to open one CD. On or about XX/XX/XXXX, the only amount credited was for {$100000.00} which prompted my call to Customer Service regarding the remaining {$150000.00}. After some considerable wait, the balance was found ( in a suspense account maybe? ) and for whatever reason the representative proceeded to open another CD. Despite this action, the missing {$150000.00} got credited to account XXXX and the deposit date was set to XX/XX/XXXX. It was at a later date, that without my authorization, the subsequent adjustments and transfer to account XXXX took effect. 

Irrespective of whether I end up with one or two separate CDs, kindly provide me with a detailed explanation as to why I dont get to receive the {$250.00} in interest due to me since the full original amount of {$250000.00} was cleared well before XX/XX/XXXX. Also, I do think the expiration date for the combined sum should be the same. 

Kindly escalate this matter as needed and advise the soonest possible. 

Many thanks, 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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had called Amex to start the cancellation process under the impression that I would be able to get the manual fee back. During the call they asked for the reason for cancellation and I said I could no longer afford the annual fee. This was an implication that I would want to have the fee returned and the agents should have said that the fee would not get refunded up front. However the process was rushed and I ended up at the cancellation process only to discover they did not refund annual fees upon cancellation. By the time they had explained I had apparently said yes to a cancellation request without my knowledge. I had followed up and set a case open to get this reversed as Amex did not provide the clarification required or else I wouldnt have even started the cancellation process and would have simply downgraded. This has cost us significant damage on both my credit report and costs associated to debts and would want Amex to reinstate the account without us having to request a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts from XXXX XXXX XXXX, XXXX, and XXXX XXXX are inaccurate. The credit bureaus failed to verify them as required by the FCRA. I request investigate and their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account has late payments where I was not responsible for such an eventual outcome that has affected by credit history. I believe that the issue was because the financial institution flawed on the automatic payments, and I was never made aware of it until late payments occurred. I was never given a warning phone call, nor given notice by email or text message, even though such a warning system was already in play. I request a full accounting of the late payment history and if I am 100 % accurate the deletion of the late payment history. 

PLEASE UPDATE THIS ACCOUNT AND DELETE THE LATE PAYMENTS COMPLETELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: FL

Complaint narrative:
In XXXX of this year, at my request Capital Management Service sent me a bill for {$310.00}. I called them because I had noticed my credit score was doing down, and they told me it was a debt from XXXX  XXXX. I explained that in XX/XX/year> I had a balance of {$26.00} which I paid in full over the phone after I called to have a late charge removed, they gave a final balance to bring the account to XXXX, and I never used the card again. 
I called to request a dispute to investigate the case, but they never contacte me to inform that the dispute was no approved. 
On XX/XX/XXXX I called XXXX  XXXX directly and spoke with a representative XXXX, who told me that I do no have any debit with XXXX XXXX or any transaction after XX/XX/year>. She gave me a phone for XXXX Bank and explained that they are now the ones handling the XXXX XXXX card. 
I called this company, and they told me they could not give me any information at all. 
I called Capital Management again, and this time they told me that the alleged purchase supposedly tool place in XXXX XXXX but they could not provide information about the amount .and they told me there was nothing that could be done, that I simply had to pay. 
My question is why, after a year, I only found out this by chance.XXXX  XXXX had my contact informationbue never informed me of any problem,

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 2025-08-03 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: GA

Complaint narrative:
On XX/XX/year>, I sent a legally structured dispute package by certified mail with electronic return receipt to all three credit bureaus ( Experian, Equifax, and TransUnion ). My package included a full breakdown of multiple accounts and inquiries that were inaccurate, unverifiable, or unauthorized. I included supporting documents like ID, proof of address, highlighted credit reports, and legal citations under the Fair Credit Reporting Act ( FCRA ). 

I specifically disputed : Unauthorized hard inquiries I did not approve or initiate Multiple accounts with wrong balances, dates, payment history errors, or no documentation of ownership These were sent via XXXX Certified Mail with tracking numbers : Experian : XXXX TransUnion : XXXX Equifax : ( same documents sent, tracking available ) As of today, XX/XX/year>, I have not received a proper investigation response or any corrections. More than 30 days have passed with no action, which violates : FCRA 611 ( a ) : No reasonable investigation or results within 30 days FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 ( b ) : Continued reporting of unverifiable data FCRA 604 ( a ) : Inquiries reported with no permissible purpose These violations are causing ongoing credit harm. I am requesting immediate deletion of every disputed item and formal documentation showing the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
On XX/XX/year>, I sent a legally structured dispute package by certified mail with electronic return receipt to all three credit bureaus ( Experian, Equifax, and TransUnion ). My package included a full breakdown of multiple accounts and inquiries that were inaccurate, unverifiable, or unauthorized. I included supporting documents like ID, proof of address, highlighted credit reports, and legal citations under the Fair Credit Reporting Act ( FCRA ). 

I specifically disputed : Unauthorized hard inquiries I did not approve or initiate Multiple accounts with wrong balances, dates, payment history errors, or no documentation of ownership These were sent via XXXX Certified Mail with tracking numbers : Experian : XXXX TransUnion : XXXX Equifax : ( same documents sent, tracking available ) As of today, XX/XX/year>, I have not received a proper investigation response or any corrections. More than 30 days have passed with no action, which violates : FCRA 611 ( a ) : No reasonable investigation or results within 30 days FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 ( b ) : Continued reporting of unverifiable data FCRA 604 ( a ) : Inquiries reported with no permissible purpose These violations are causing ongoing credit harm. I am requesting immediate deletion of every disputed item and formal documentation showing the correction.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp without notice has begun charging a {$1.00} fee to deposit cash money into your account at places like XXXX. XXXX has always charged their own fee to load your card, but XXXX does not. However, now, while depositing cash to my account at XXXX, cashapp itself is now charging a {$1.00} fee & will not be honest or transparent by telling me when this started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On Friday, XX/XX/year>, Robinhood unexpectedly restricted my XXXX  account, ( approximately ( {$1700.00} as of today ) preventing me from buying, selling, or transferring any XXXX. I was not given any explanation or prior notice regarding the restriction. 

I contacted Robinhoods customer support multiple times, but they told me they could not assist me and that my case was being handled by Robinhoods XXXX XXXX XXXX. I was informed that I would receive an email from that team. 

As of XX/XX/year>, I still have not received any communication or explanation for why my account is restricted. My funds remain completely inaccessible, which has caused significant stress and financial concern. 

Robinhood has failed to : Provide any reason for restricting my account, Provide any timeline for resolution, Communicate in good faith despite repeated attempts on my part to resolve the matter. 
This lack of transparency and access to my own funds is unacceptable. 
Because of this restriction, I have been unable to access my own money to pay essential bills and expenses. Having my account frozen for this long without explanation has caused significant financial hardship and anxiety, as I rely on these funds to cover necessary living costs. 

I am requesting that the CFPB investigate this matter and that Robinhood be required to : Provide a clear explanation for the account restriction, Restore my access to my funds, or provide a specific timeline for resolution, Improve communication with customers in similar situations. 
Timeline of Events : XX/XX/year> : Robinhood restricted my crypto account without explanation. 
XXXX XXXX XXXX, XXXX  : Contacted customer support multiple times ; each time I was told that the matter was with the XXXX XXXX XXXX and I would be contacted via email. 
As of XX/XX/year> : No email or further communication received, and my funds remain frozen. 

This situation has effectively left my money trapped with no resolution in sight, while I urgently need access to it to pay bills and cover basic expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
Delete fraudulent unauthorized account XXXX XXXX XXXX XXXXXXXX from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, I made a {$1000.00} payment to my CareCredit account ( issued by Synchrony Bank ). My bank confirmed that the payment cleared XX/XX/year> and provided me with confirmation that the funds were wired and withdrawn from my account. As of XX/XX/year>, my CareCredit account still does not reflect this payment in my available credit. 

When I contacted CareCredit via chat support, I was told that high payments are generally held to ensure they clear, despite the fact that my bank already verified that the funds were received and cleared. CareCredit admitted they already have the funds and that the balance was reduced, yet they stated my available credit will not update until as late as XXXX XXXXa full 10 days after payment. 

This policy is vague, undisclosed in the terms of service I agreed to, and appears to be applied arbitrarily. It directly impacts my credit utilization ratio, which in turn affects my credit score, and limits my ability to use funds Ive already paid. The aforementioned is also nowhere to be found in the terms of service that I agreed to upon accepting the card. 

I asked for a supervisor and escalation path and was denied that in chat. The representative repeatedly responded with canned responses and could not provide documentation showing where this pending hold practice is disclosed. 

This behavior is misleading, anti-consumer, and financially damaging. Synchrony Bank is effectively holding cleared payments without justification and without transparency. I am requesting immediate intervention from the CFPB to : Require Synchrony to release the hold on my available credit. 
Provide me with documentation of where this policy is disclosed. 
Ensure Synchrony stops using pending confirmation as a vague reason to hold cleared funds. 
Prevent this from harming my credit or causing any late fees, interest charges, or credit denials. 

Professionally, I am a reporter, I have documentation of the entire interaction, including screenshots of the bank confirmation and the CareCredit chat. I made a subsequent phone call attempting to further escalate to a supervisor at which point I was connected with supervisor XXXX who reiterated all of the aforementioned despite me explaining clearly that the policies he refers to are not in the terms of service and this will cause harm to cardholders. I was told theres nothing he can do. I informed him I would be filing a complaint.

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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnl funding is reporting on my credit report but wont provide information on where the account is where it comes from it just reporting a collection report and is listed on my XXXX report as a XXXX balance that I was not aware of. They may have been calling, but I don't know where the debt comes from or collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Final Notice Inaccurate Bankruptcy Reporting / Demand for Immediate Deletion To Whom It May Concern : This letter serves as your final notice and formal demand to delete an inaccurately reported bankruptcy from my Equifax credit file. Your continued reporting of this unverifiable information constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have disputed this account multiple times, and you have failed to provide proper verification. I am including the following documentation for your reference : A letter from the U.S. Bankruptcy Court, confirming that the court does not report information to consumer reporting agencies ; A response from XXXX, in which they admit to obtaining bankruptcy data from PACER using only name and address matching ( not SSN or full identifiers ) ; A screenshot showing the inaccuracy on my Equifax credit report ; Proof that Experian and TransUnion have removed the bankruptcy from my reports because they could not verify it.

Equifax is now the only bureau still reporting this bankruptcy despite having the same opportunity to verify and the same documents confirming that no permissible, verifiable source exists. 

You are reporting public record information obtained through third-party data vendors using unreliable matching methods, which violates your duty under FCRA 1681e ( b ) to maintain maximum possible accuracy. Furthermore, your failure to remove the information after my documented disputes violates FCRA 1681i failure to conduct a reasonable reinvestigation.

Demand for Immediate Deletion : I hereby demand that you : 1. Immediately remove the bankruptcy listing from my Equifax credit report ; 2. Send me written confirmation of the deletion within 15 calendar days of the date on this letter.

If you do not comply within this timeframe, I will proceed with filing a civil lawsuit in federal court seeking : Statutory damages under FCRA 1681n, Actual damages for the distress and harm caused by your actions, and Punitive damages for willful noncompliance. 

This is your final opportunity to correct this before legal action is taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have reached out via mail to advise them that, the collection is incorrect and Fair Housing was not followed, my deposit was deducted but no notice of security deposit withholding was mailed out. 
The agency responded by sending me a ledger, instead of final move out statement but my ledger was incorrect. 
I was charged for resurfacing, my unit was not resurfaced prior me asking, and I live there for some time. Work orders was put in and they only resurfaced one time, which is my first year. In an older property you need to resurfaced a unit at Least yearly. 
Units are resurfaced after move outs, also carpet cleaning for a 2 bedroom. I did not rent out a two bedroom. 

I would like for the company to remove the collection out my credit since Fair Housing was not followed or we can proceed this in court. 
Also I called around XXXX, to ask for more information 3 times they snapped and hung up on me and brought up suing and argue with me at almost XXXX XXXX  in the morning, I can provide you with the calls log from my phone bill, and all calls are recorded. 
Also I mail the out another letter stating they need to removed in 10 days or I will take legal actions. 
The name of the company XXXX XXXX by Hunter Warfield.

Company response to consumer: Closed with non-monetary relief