vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently was disapproved of a loan on XX/XX/XXXX, by the XXXX XXXX XXXX XXXX because of a derogatory adverse comment from Synchrony/Care Credit on my XXXX  credit report. Importantly, I am NOT DISPUTING THE LATE PAYMENTS in the credit card report, but I am clarifying WHY the late payments were made in that matter and were eventually discontinued. 

Last week, I spoke to Care Credit over the phone and explained why the payments had ceased. They explained to me after they sent the report to the three credit unions they can not change anything. 

Lets begin by discussing this dispute. During Covid-19 in XX/XX/XXXX, a medical XXXX  ( XXXX XXXX XXXX ) was suggested to me by a licensed XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Maryland. I was advised by his XXXX  at XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX for my XXXX  because it was going to greatly improve my XXXX  condition. Synchrony/Care Credit ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) provided the credit for the purchase in the amount of {$3300.00}. I tried these XXXX for over 9 months and repeated office visits I was complaining they are not working and causing me XXXX  and XXXX  XXXX. Furthermore, the XXXX  XXXX was causing more problems with my XXXX  and XXXX, and I wanted to return them, but since they were used the doctor could not accept them back. I called Care Credit on several occasions explaining my dire situation to get return credit to my account and each time they declined to hear my complaint. I received no satisfactory fulfillment from either party, so I refused to make any more payments. On XX/XX/XXXX, an agreement was made for a payoff of {$1000.00}. A " payoff '' was agreed to for less than the amount owed. This payoff has adversely affected my credit score. I was defrauded with a poor product and was ill advised for these XXXX  XXXX for the gain of the doctors endorsement of the XXXX  XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) has finalized a rule banning medical bills from consumer credit reports. Consumer protection laws are in effect to protect a consumer if a product causes harm or fails to meet expectations and essentially a consumer is not obligated to pay for the product. I will be acting proactively in put an end to the unfortunate prejudicial circumstances that were bestowed on me

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I recently checked my report and saw multiple infraction accounts that are demeaning to my character and background

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding a charge-off account reported by XXXX XXXX. I previously disputed this item with Experian/Equifax/TransUnion, as the information is inaccurate because I am not the responsible party this account was opened fraudulently. 

Despite my dispute and submission of documentation, the credit bureau/creditor verified the inaccurate information without conducting a reasonable investigation. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and credit bureaus to correct or delete inaccurate or unverifiable information. 

I am requesting that the CFPB assist in facilitating the deletion or correction of this inaccurate account, and that the data furnisher provide documented proof of its claims. I have attached all relevant documentation supporting my position.

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 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I meet the following criteria to buy back 4 months of my PSLF : you still have an outstanding balance on your loan ( s ), you have approved qualifying employment for these same months, and buying back these months will complete your total of 120 qualifying PSLF payments. 

I completed and submitted the paperwork necessary to do this in XX/XX/year>, but have not heard back from the federal government how much I need to pay. I would have been able to apply for PSLF in XX/XX/year>. My last payment I made was in XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
m reaching out to formally dispute inaccurate and conflicting information being reported on my credit file concerning a XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). This account has been paid in full and carries a {$0.00} balance, yet it is still being reported negatively by all three credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) ( which requires maximum possible accuracy in reporting ) and 15 U.S.C. 1681i ( a ) ( which mandates a timely investigation and correction or deletion of inaccurate or unverifiable information ), I am requesting a thorough review of the following discrepancies : Payment Status : TransUnion and Experian report the account as Collection/Chargeoff even though the balance is {$0.00} and the status is marked Paid. 
XXXX  shows 120 Days Late, while also showing a {$0.00} balance and that the account is closed. 
Inconsistent Dates : Date Opened : TransUnion lists XX/XX/XXXX ; Experian and XXXX  show XX/XX/XXXX. 
Last Reported : TransUnion/Experian report XX/XX/XXXX ; XXXX  shows XX/XX/XXXX ( a future date, which is not valid ). 
Last Payment Date : TransUnion/Experian show XX/XX/XXXX ; XXXX  says XX/XX/XXXX. 
Conflicting Comments : XXXX  includes serious derogatory comments like Account seriously past due and Assigned to collections, even though it also shows 24 consecutive OK ( on-time ) payments in the payment history.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX I paid off my BMO XXXX Credit Card agreement early and subsequently was notified that my account was being closed. Apparently according to their records after my account was paid in full there was remaining promo balance of {$1.00} ( remaining promo balance ) which was then assessed a late payment fee of XXXX and a minimum charge of {$1.00} creating a new past due balance of {$6.00}. In XXXX of XXXX this balance was reported to all major credit bureaus causing a significant drop in my credit rating which was above XXXX and had not a single late payment with any entity in over 10 years. 

Upon being notified of this drop through my credit watch services, I reached out to BMO and asked that they correct the matter and report this error to the respective credit bureaus so that my credit could be restored and corrected. 

I was informed that there was nothing that they could do and that I would need to contact the credit bureaus regarding this matter.

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 2025-07-06 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my XXXX  credit report concerning a vehicle repossession allegedly reported by XXXX. 
This repossession entry is being reported inaccurately and potentially in violation of the Truth in Lending Act ( TILA ), 15 U.S. Code 1601, which was enacted to ensure consumers are treated fairly by lenders and are provided with clear, truthful information about credit transactions. Under this law, I have the right to dispute any information that is incomplete or inaccurate and to have that information corrected or removed in a timely manner. 

Specifically, I am requesting the following : 1. A thorough reinvestigation of the repossession entry.

2. Verification and validation of the account from XXXX, including full documentation proving the debt was legitimate and the repossession was lawful. 
3. If verification can not be fully substantiated in accordance with the Fair Credit Reporting Act ( FCRA ) and TILA, I request immediate removal of the repossession from my credit report.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I scheduled an automatic payment to pay the XX/XX/year> mastercard statement in full. I accidentally did this twice. The payment was {$650.00} and it was charged to my account two times. I did not see the bank refund the duplicate charge to me. I called the bank on XX/XX/year> to resolve the issue. They filed a claim for me and the case number was XXXX. I called a couple of weeks later to ask about the status, to which I was told the case was pending. Finally I received a letter on XX/XX/XXXX from the bank which stated that it would not return my credit card payment because it was made outside of the current billing period.

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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> I notice that I could not get into my Cash app account, then when I called I noticed that my Account had been tampered with. and all my Bitcoins were missing '' I then called Cash App at their XXXX number, as I was directed by some who works for cash app. He said he could assist me, XXXX I was following his instructions, he proceeded to take the remaining of my Bitcoins. I then called back again this time I spoke to a man who told me that was too bad about my loss and he would not be replacing my Bitcoins nor my money that was took out of my bank acct. My bank acct was attached to my Cash app account. XXXX was taken out of my acct. Then my account was flagged and No longer had access to retrieve my acct XXXX. months pass by and in XXXX I received an Email stating I could go to a Link and get my Bitcoins. But when I tried I was Redirected away, and then I was blocked out of my acct, the following week I tried again by calling Cash app to get into my accounts. I was allowed to get in but not allowed to get my coins back when the Bitcoins market was at it's highest. XXXX. Bitcoins were stolen my accounts were changed and they put me on a chat bot to repeat the same message. claiming they never received my compliance with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding a charge-off account reported by XXXX XXXX. I previously disputed this item with Experian/Equifax/TransUnion, as the information is inaccurate because I am not the responsible party this account was opened fraudulently. 

Despite my dispute and submission of documentation, the credit bureau/creditor verified the inaccurate information without conducting a reasonable investigation. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and credit bureaus to correct or delete inaccurate or unverifiable information. 

I am requesting that the CFPB assist in facilitating the deletion or correction of this inaccurate account, and that the data furnisher provide documented proof of its claims. I have attached all relevant documentation supporting my position.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding a charge-off account reported by XXXX XXXX. I previously disputed this item with Experian/Equifax/TransUnion, as the information is inaccurate because I am not the responsible party this account was opened fraudulently. 

Despite my dispute and submission of documentation, the credit bureau/creditor verified the inaccurate information without conducting a reasonable investigation. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and credit bureaus to correct or delete inaccurate or unverifiable information. 

I am requesting that the CFPB assist in facilitating the deletion or correction of this inaccurate account, and that the data furnisher provide documented proof of its claims. I have attached all relevant documentation supporting my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: LA

Complaint narrative:
XXXX  and XXXX  are reporting accounts that have already been disputed and removed from XXXX. World finance, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Ive never received or activated an Indigo credit card from Concara credit. I received an email saying indigo card is at full limit. Upon checking the account online I saw a purchase of {$500.00} at a footlocker store along with {$190.00} annual fee and some other bank related charges. I called support right away. Someone there with very limited English changed the card number and told me this will be under investigation. She said they are sending a new card which never showed, either. But I keep getting statements. I called again a week after to find out about the investigation. They said no investigation was going on. After fighting and arguing over=30 minutes they finally made me talk to a manager. This was 2 months ago and she said they will start an investigation about a fraudulent charge. I kept saying I never received or activated a card. She said it would take 30 to 45 days first. I called again 30 days after this time they said 30 to 60. I kept disputing the late fees and charge and annual fee on XXXX  just to receive the result of this investigation. Ne er received anything from Fraud department in 3 months but I kept getting statements of a new card number that they changed after I told them I never even received a first card. They cant even speak English. When i have a case number they dont even know where to look up that number. Some of them asked what a chase number is when I say case number. At this moment I am beyond frustrated. This is a a suspicious company. I disputed with XXXX  for the last time that I am not related to any charges or card activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
FCRA violation loan not mine : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violation loan not mine : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is XXXX hard inquiries that is on my trans Union credit report and that I only know about XXXX, so there are XXXX that needs to be removed. 

The following inquiries are not what I had inquired and should be removed from my credit report per the ( far ) : XXXX XXXX reported on XX/XX/year> XXXXXXXX XXXX- reported on XX/XX/year> Onemain- reported on XX/XX/year> XXXX XXXX XXXX- reported on XX/XX/year> XXXX XXXX-reported on XX/XX/year>XXXX XXXX- reported on XX/XX/year>XXXX XXXX- reported on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is XXXX hard inquiries that is on my trans Union credit report and that I only know about XXXX, so there are XXXX that needs to be removed. 

The following inquiries are not what I had inquired and should be removed from my credit report per the ( far ) : XXXX XXXX reported on XX/XX/year> XXXXXXXX XXXX- reported on XX/XX/year> Onemain- reported on XX/XX/year> XXXX XXXX XXXX- reported on XX/XX/year> XXXX XXXX-reported on XX/XX/year>XXXX XXXX- reported on XX/XX/year>XXXX XXXX- reported on XX/XX/year>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