vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
THIRD DEMANDING FOR RESOLUTION BEFORE LAWSUIT WILL BE FILED. SYNCHRONY BANK CARE CREDIT IS NOW FALSELY REPORTING NON-PAYMENT TO MY CREDIT BUREAU AND HAS DESTROYED MY SCORE, CAUSING A XXXX POINT DROP IN ONE DAY. THEY ARE REFUSING TO RETURN TO THE ORIGINALLY AGREED UPON TERMS OF THIS CONTRACT AND HAVE CONTINUED TO REPEATEDLY DEFRAUD ME BY LOWERING MY CREDIT LIMIT TO MY CURRENT BALANCE AFTER EACH PAYMENT I WOULD MAKE. THIS IS FRAUD AND FINANCIAL ABUSE. I HAVE MADE NOW THREE REPORTS REGARDING THIS AND THE COMPANY HAS REFUSED TO RESPOND BUT HAS ESCALATED THEIR HARASSMENT TO MULTIPLE AND RELENTLESS COLLECTION CALLS AS WELL AS NOW DESTROYING MY CREDIT SCORE AND RETALIATION. I WILL BE PURSUING LEGAL ACTION AGAINST THEM. THIS IS ILLEGAL AND I WANT THEM HELD ACCOUNTABLE FOR THIS BLATANT FRAUD AND ABUSE OF A XXXX CUSTOMER. 

PREVIOUS REPORT IGNORED; FOLLOW-UP COMPLAINT regarding my multiple attempts to resolve this issue, CareCredit has refused to acknowledge my complaint, provide any of the requested information, or work towards any resolution whatsoever regarding this matter. They are now intentionally ignoring this issue in an attempt to forcibly and fraudulently default my account. They have already fraudulently lowered my credit limit to my previous balance after I made a large payment, then charged me fees pertaining to this dispute instead of resolving it in a timely manner so I could continue to make my payments as I initially expressed. Since I am being actively defrauded by Care Credit, I can not make any further payments until the issue is resolved. Care Credit is attempting to further penalize me an additional 30 % of my balance as per their original predatory agreement terms, but since they have defaulted on the original agreed upon terms I am unable to pay off the balance before this penalty due to their refusal to immediately stop defrauding and financially abusing me. I will continue documenting this until it is properly escalated and resolved, or I will file a lawsuit.

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 2025-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TrueAccord Corp.
State: VA

Complaint narrative:
There were 2 purchased that someone made on my XXXX  account that was renting a room Here at my house XXXX sent the stuff to collections I did not authorize these 2 orders and Ive notified them over a year ago still Nothing has been done

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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I contacted CREDIT COLLECTION SERVIC back in XX/XX/year> because they were appearing on my credit report stating that I owed {$380.00}. I asked to check their record because I did not owe anyone and this could be potentially fraud, they informed me that this account was not mine and it belong to a different person with a similar name. I put a dispute with XXXX and it came back after 30 days as verified as accurate for me. I reach out to XXXX XXXXXXXX XXXX XXXXXXXX and asked if they had an account for me which they informed me that they have never had an account that matchets any of my information and they referred me to contact Credit Collection Service. Upon contacting Credit Collection Service, I was once again informed that they do have an account of credit debt under a XXXX XXXX XXXXXXXX XXXX XXXX XXXX which is not me. I asked if they could remove the collection notice from my credit report and they informed me they did not put it there and XXXX must be making an error and putting this under my profile. I did another dispute with XXXX  and once again came back after 30 days indicated that the debt was verified and accurate for me. I called XXXX and informed them of what I was told by XXXX XXXX XXXX. XXXX  and Credit Collection Serv. and they opened another dispute for the account but once again the report came back stating that the account was verified and accurate as my debt. After XXXX disputes with XXXX I do not know what to do next. Even after I informed XXXX that this debt collection belongs to a XXXX XXXX XXXX of XXXX NJ and not to XXXX XXXX XXXX of XXXX NJ, they still verified this collection notice as it being mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
To whom it may concern, Im submitting this complaint in response to an inaccurate and unauthorized collection account still being reported on my credit file by Equifax. I previously requested, under the FDCPA ( 15 U.S.C. 1692c ( c ) ), that the debt collector stop all communication with me. Yet, despite that clear request, they continue to report this accountsomething that directly affects my credit and financial stability. This not only violates the Fair Credit Reporting Act due to the inaccuracy, but it also disregards my dispute entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MT

Complaint narrative:
My son went to college I initiated the loans through Parent Plus... we had everything established until of course the Pandemic. Since then it has switched to Mohela and it has been a nightmare. My son can not pay and it has transferred our information incorrectly we can not get on line or even call to make payment arrangements to defer or lower the payment. My son has tried calling several times since the beginning of this year. I have called XXXX there is a 2-3hr hold time. 
The amount is crippling ( XXXX ) and there was a payment for a graduation present of {$14000.00} that has just magically disappeared with no record of it being paid. I need help getting this resolved it is interfering with my credit report. I would like to to start repayment if it works with my budget or my son 's. if not we would like to have someone to contact to get some type of help before is gets out of hand. it is already showing 90days delinquent on my credit report when there has been several attempts to pay. What is strange is that nothing was sent or emailed out to me the mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive mail today XXXX via USPS mail, that BMO closed my account XXXX bit mail me letter XXXX. I called BMO XXXX told Bank has right to close anyone 's account without reason and notice. Now I still has {$3.00} reward points left at that bank but unable to redeem. I just recently redeemed {$15.00} statement credit last month. Now BMO reward department say they has no way to redeem that {$3.00} for me, minimum is {$15.00}. I feel BMO close my account because I only use this card for XXXX XXXX monthly payment and earn 5 % reward points from them. They try to keep my reward point when I has no warning or know in advance to increase my reward before redeem. I think that's not fair at all. {$3.00} is not much, but if this happen to more than XXXX or XXXX consumers, that's a hugh amount. Please take that serious and investigate. I got reward department told me this is customer service need handle, customer service told me reward department need handle. As consumber I just get ping ponged since this morning XXXX till now XXXX without anyone will assist and solve.

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 2025-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: LA

Complaint narrative:
I have been trying to get my mortgage company to replace my insurance money from hurricane XXXX with the help of an attorney. I recent complete the remaining required work needed to receive the final payment. Upon inspection it was decided that the work was XXXX percent complete and once the attorneys contacted the mortgage company and they keep giving us the run around, and tell me and the lawyers something different. The lawyer request a copy of my policy and has yet to receive it. I have struggled to complete this work without my funds. I managed to complete the work and they send the adjuster out and he declares it complete, now they keep saying Im missing paperwork.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am a victim of identity fraud theft upon requesting a credit report in results the following accounts and inquires don't belong to me or authorize by me I have requested to please remove, and I have submitted/Uploaded supportive documents along with this complaint XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am a victim of identity fraud theft upon requesting a credit report in results the following accounts and inquires don't belong to me or authorize by me I have requested to please remove, and I have submitted/Uploaded supportive documents along with this complaint XXXXXX/XX/XXXXXXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the deletion of fraudulent accounts credit report. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below. 

Accounts are. 

XXXX 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 Status : Paid, Closed/Never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the deletion of fraudulent accounts credit report. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below. 

Accounts are. 

XXXX 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 Status : Paid, Closed/Never late.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am not receiving any government payments or deposited gifts from people that are trying to help me with the state abuse with illegal government equipment use that's been put on me and my family. I have tried to take care of everything with Capital One but there has still been a problem in the area. I am not able to get the medications I need to get better. Also I literally do not spend any money and my entire check will be gone within XXXX days or so. Also my identity has taken as a person and I really need my coworkers from the government ( federal only ) and my family to be able to help me. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
Heres a fully prepared complaint description you can submit as your CFPB amendment or for any new complaint portal, following their exact format and guidance ( no personal info included ) : Description of What Happened : On XX/XX/XXXX, I entered a title loan agreement with XXXX. I consistently made my payments but missed one due on XX/XX/XXXX. Despite only being one payment behind, XXXX began a pattern of aggressive and harassing behavior as early as XX/XX/XXXX, including repeated phone calls, text messages, and voicemails sometimes multiple times per day from rotating numbers and different employees. 

On XX/XX/XXXX, I received threatening messages stating that if I did not pay by XXXX XXXX legal action would be taken. These threats were repeated over the following weeks, even though my contract included a grace period and did not allow for immediate legal escalation after one missed payment. 

The company demanded I make a double payment or risk losing the option to roll the month a condition that was never stated in the contract. This pressure tactic was designed to intimidate and coerce me into paying under false urgency. 

Despite filing a formal complaint with the CFPB on XX/XX/XXXX, and awaiting a response, XXXX repossessed my vehicle on XX/XX/XXXX, without prior written notice, certified mail, or a final warning. I was not given an opportunity to cure the missed payment, which is required under South Carolina lending laws. 

The companys actions constitute : Harassment under the Fair Debt Collection Practices Act ( FDCPA ) Unfair and deceptive practices under South Carolina consumer protection laws Wrongful repossession without due process I am now without transportation and have suffered professional and financial hardship due to this unjust action. 

I am requesting an immediate investigation, return of my vehicle, and formal penalties placed on the company for its ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I am writing to file a complaint regarding a 30-day late payment that was reported to the credit bureaus on my Kia Finance account . 
The late payment occurred in XXXX or XXXX of 2024 and I believe it was a mistake or an isolated event due to a technical issue on Kias end. 
Since then, I have worked diligently to keep all accounts in good standing and have a positive payment history. I am currently in the process of improving my credit score for a home loan, and this 30-day late payment is significantly hindering my efforts.

I have reached out to Kia Finance multiple times to request proof for this one-time late payment, but have not received a response. I am asking for assistance in removing this 30-day late payment from my credit. 
I would appreciate any help that can be provided regarding this issue.

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 2025-04-14 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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