vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Details : I applied for and was approved for a CareCredit loan through Synchrony Bank in the amount of {$14000.00} for my daughters dental work in [ XXXX, XXXX ]. At the time, she was a college student and needed XXXX XXXX  XXXX. The loan was offered with a XXXX promotional no-interest period, which was the primary reason I accepted the terms. 

Several months later, Synchrony unilaterally changed the promotional term to 2 years without proper notice or consent. I have documentation of the original XXXX no-interest promotion, which I submitted to Synchrony when I discovered the discrepancy. Despite multiple attempts to resolve the issue, Synchrony has refused to honor the original agreement. 

I made regular and often above-minimum payments with the good faith intention to pay off the balance within XXXX years. However, because of the shortened promotional period, Synchrony added over {$7000.00} in retroactive interest, significantly increasing the balance. This interest, along with added fees, made it difficult to catch up. 

Worse, they reported this negatively to the credit bureaus, which severely impacted my XXXX XXXX dropping from the XXXX range to significantly lower. This is despite my strong payment history and consistent efforts to resolve the issue. 

I am requesting : Removal of the $ XXXX in retroactive interest charges. 

Restoration of the original XXXX no-interest promotional agreement. 

Correction or removal of the negative credit reporting resulting from this issue. 

This has caused me financial and emotional distress, and I believe it constitutes unfair and deceptive lending practices. I would like the CFPB to investigate Synchrony Banks handling of this loan and their treatment of consumers who rely on their promotional terms in good faith.

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 2025-05-21 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-21 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:
On XX/XX/scrub> 2025, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year>2025 that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-05-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX  XXXX ( Account ending in XXXX / XXXX ) To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXXXXXX and the credit reporting agencies XXXX XXXX and TransUnion for inaccurately and unlawfully reporting derogatory marks on a fully paid and closed credit card account. This false information is harming my credit profile and constitutes a violation of several federal consumer protection laws. 

Summary of the Issue : This revolving credit account was closed in 2020 with a {$0.00} balance and marked as paid. 

Despite being closed and fully satisfied, all three credit bureaus are reporting late payments ( 30, 60 days ) in 2020. 

There is no open balance, no active billing cycle, and no contractual basis to report delinquencies after closure. 

The account was closed due to inactivity or by the creditor not because of default or delinquency.

I was not notified of any post-closure billing, and I fulfilled all obligations under the original credit terms.

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy. Reporting late payments on a {$0.00} balance, closed account violates this requirement.

1681i : The bureaus failed to correct or delete inaccurate, incomplete, or unverifiable information after closure. 

1681s-2 ( b ) : XXXX XXXX  XXXX failed to correct the inaccurate information after it was disputed.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The continued reporting of " late payments '' on an account that was already closed and had no outstanding balance is a misrepresentation of contractual loan terms, in violation of TILAs requirement for clear and accurate disclosures.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By disseminating false and misleading credit data to third parties ( credit bureaus )XXXX XXXX XXXX XXXX failed to protect the confidentiality, integrity, and accuracy of my financial information. 

4. CARES Act ( COVID-19 protections ) : If any hardship accommodations or relief were granted during the COVID-19 pandemic ( explicit or implied ), XXXX XXXX XXXX was required to report the account as current under the CARES Act. Reporting derogatory marks during or immediately after the COVID relief period could violate these provisions.

Harm to the Consumer : These inaccurate reports have lowered my credit score, resulting in denials of credit, increased interest rates, and unfair damage to my financial reputation. As this account was fully paid and closed, there is no legal or ethical basis for any derogatory remarks.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actice 5 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for continuing to report inaccurate, misleading, and incomplete information related to my XXXXXXXX XXXX XXXXXXXX credit card account . Equifax is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) due to its failure to properly report the Date of First Delinquency ( DOFD ), inaccurate payment history, and its failure to reflect that the account was formally disputed. 

Equifax reports my XXXX account with the following details : Date Opened XX/XX/XXXX, XXXX XX/XX/XXXX, charged off status, and a 60-day late payment in XX/XX/XXXX. However, this is incorrect. 

XXXX confirmed in writing that the account first fell past due on XX/XX/XXXX, and was never brought current before charging off on XX/XX/XXXX. XXXX is inaccurately marked on time by Equifax, and the 30-day delinquency for that month is missing. 

Furthermore, I formally disputed this account with Equifax, but they failed to flag it as disputed, violating FCRA requirements. Equifax did not conduct a reasonable investigation and continues to report unverifiable information. 

What I Want Done : I request that Equifax delete the XXXXXXXX XXXX XXXXXXXX account from my credit report entirely, as the information is inaccurate, unverifiable, and misleading. I also ask that Equifax cease reporting this account unless full compliance with FCRA reinvestigation and dispute flagging procedures are followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
This complaint is a formal follow-up concerning several questionable and damaging charge-off and collection accounts currently appearing on my Equifax credit report. These include : XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$0.00}, XXXX XXXX XXXX XXXX * * * * ) reported XX/XX/XXXX at {$0.00}, SEZZLE ( XXXX * * * * ) reported XX/XX/XXXX at {$100.00}, XXXX XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$0.00}, XXXX XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$1800.00}, XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$0.00}, XXXX  ( XXXX * * ) reported XX/XX/XXXX at {$1200.00}, XXXX XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$0.00}, XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$1400.00}, XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$460.00}, XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$330.00}, and XXXX ( XXXX * * * * ) reported XX/XX/XXXX at {$620.00}. These accounts are either inaccurate, outdated, or unverifiable. Several list {$0.00} balances while still reporting as active charge-offs, which misrepresents my creditworthiness and damages my financial standing. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint against Cash App ( Block Inc. ) for inadequate customer service and unfair business practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to detect, prevent, and respond to fraudulent activity on their platform, leaving my account exposed and unprotected.

In addition, their dispute resolution process was both unfair and deceptive. They did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E, including conducting a reasonable investigation or providing a timely and transparent resolution of my claim.

As a result of these failures, I experienced financial loss, significant inconvenience, and undue stress. I am requesting appropriate redress for these violations, including reimbursement and corrective action.

I was not aware of any settlements in reference to cash app which is why I am filing my claim now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am asking the credit bureau to block and delete these unauthorized items. I have provided supporting documentation, including an FTC Identity Theft Report, a government-issued ID, and proof of address. I also request written confirmation once the corrections are completed.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I inherited a property from XXXX XXXX in XXXX. I have made payments since. In XXXX of XXXX I couldn't make over the phone payments to PHH Mortgage because their system said I couldn't. I made many attempts to speak to an agent but was always automatically sent to an agent by the name of XXXX 's voicemail. He never returned my call. Finally in XXXX, I sent a cashier 's check for all due payments. They didn't cash the check, and now have the property in foreclosure and auction date set. Someone finally called me on XX/XX/XXXX and said I had to pay the {$4500.00} in past due payments plus fees totaling over {$20000.00}. Because of their incompetence in returning my calls, I'm being penalized. Please help in any way possible. Thank you

Company response to consumer: Closed with explanation