vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Issue : Inaccurate credit reporting and failure to correct account data What Happened : I made three payments totaling {$260.00} in XXXX on a XXXX XXXXXXXX account managed by Synchrony Bank. Despite this, Synchrony continues to report the balance as {$500.00} not reflecting those three payments. I contacted them directly and submitted proof of payment. They responded claiming they no longer have access to the payment records Well if that is true?, how can they continue to report to the Credit agencies information they no longer have access to. Synchrony Bank is fully aware of this account error, I have included a letter from them as Proof. Knowingly, reporting inaccurate data is a willful violation of the Fair Credit Reporting Act.

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 2025-07-20 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-19 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: IL

Complaint narrative:
I am writing to formally request that you block the following fraudulent information from my credit report pursuant to 15 U.S. Code 1681c2, which allows consumers to remove data resulting from identity theft. 

I am a victim of identity theft, and the following item ( XXXX ) on my credit report are not related to any transaction I made : XXXX. Creditor Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX. XXXX XXXX XXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

To support my request, I have enclosed the following documentation : - A copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) which includes my written statement affirming that the disputed information is not related to any transaction I made. 
- A copy of my government-issued ID Please block this information within XXXX business days as required by law and notify the furnisher of the information that it may be the result of identity theft. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once the block has been applied. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am writing to formally request that you block the following fraudulent information from my credit report pursuant to 15 U.S. Code 1681c2, which allows consumers to remove data resulting from identity theft. 

I am a victim of identity theft, and the following item ( XXXX ) on my credit report are not related to any transaction I made : XXXX. Creditor Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

XXXX. XXXX XXXX XXXX Reason for Dispute : This account was fraudulently opened using my stolen personal information. 

To support my request, I have enclosed the following documentation : - A copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) which includes my written statement affirming that the disputed information is not related to any transaction I made. 
- A copy of my government-issued ID Please block this information within XXXX business days as required by law and notify the furnisher of the information that it may be the result of identity theft. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once the block has been applied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
I have had cash app for about 5 years now they tell me they can't send me a card out due to account suspicious account activity I never done anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica

Complaint narrative:
I am a a represenative payee for a XXXX  man who had a XXXX and has XXXX XXXX. He was not able to access his benefits since early XXXX. He used approx. .XXXX in XX/XX/year>, leaving approx. {$400.00}. 

No one touched his benefits and SSI kept depositing onto his XXXX XXXX Debit card. I now have a card as a XXXX XXXX with SSI and will begin to have his benefits deposited on it. But where is the funds that kept accruing since XX/XX/year>? All they say is my balance is XXXX fine I am waiting for the first deposit ), and they can not find his individual card information. He had a card and it was closed as I called and they could not see the XXXX XXXX info. and closed it to protect it from fraud. 

. Where are they holding these funds.They just get to keep them? He is close to being evicted from his Assisted living if I don't start paying XXXX and XXXX bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint narrative:
Citi Bank has received NUMEROUS FINAL PAYMENTS, only to fail to apply payment and then charge additional fees and penalties. A Final payment amount of {$150.00} was due as of XX/XX/XXXX according to a letter from the Citi Executive Response Team. The Payment was submitted timely. A subsequent statement was received now showing a payment of {$200.00} due. The payment XXXX XXXX dated XX/XX/XXXX was sent timely to CitiBank XXXXxecutive Response Unit, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. They are failing to apply the payment so they can continue to assess penalties, late fees and interest.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute an inaccurate and potentially fraudulent account currently listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ) and Section 605B ( 15 U.S.C. 1681c-2 ).

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 2025-07-19 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: FL

Complaint narrative:
I am writing to dispute an inaccurate and potentially fraudulent account currently listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ) and Section 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I found inaccurate negative items on my credit report. I contacted the Debt Collectors, received no verifiable response, and am requesting a full investigation under the under the Fair Credit Reporting Act ( FCRA ). please remove these unverifiable items. Clean. Legal.Powerful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I've complained previously to the CFPB about Chase in # XXXX. However, I no longer see my Complaint ID. I reported unauthorized use of my debit card to Chase. They didn't reply until I contacted the CFPB. I'm XXXX. Upon my discovery of the unauthorized usage, I informed Chase, changed my password and ordered a new card. But, the unauthorized usage was still allowed to occur as Chase did nothing to stop it. {$1400.00} was taken AFTER Chase was made aware, and a total of {$6900.00} was stolen in all from my checking account before Chase closed my bank account without my consent. Then, Chase issued me an Affidavit of Validity and asked ( XX/XX/XXXX ) me to get a Power of Attorney ; I did just that, only for Chase to turn away my Power of Attorney when he came into the bank. I complained ( XX/XX/XXXX ) about that, and Chase acknowledged the complaint only to reply ( XX/XX/XXXX ) telling me that they can not add an agent to an account that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL DEMAND FOR METHOD OF VERIFICATION FAILURE TO COMPLY WITH 15 U.S.C. 1681i To Whom It May Concern, This letter serves as a final and lawful demand under the Fair Credit Reporting Act ( FCRA ) requiring full method of verification regarding the continued reporting of the following accounts : XXXX Account # XXXX {$1500.00} Collection CB/VICSCRT Account # XXXX Charge-off {$0.00} You are reporting these accounts without providing lawful and detailed verification. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation, and under 1681i ( a ) ( 6 ) ( B ) ( iii ), you must disclose the method of verification including the specific individual, department, and contact information of the party with whom you verified the disputed information. 

Let me be clear : XXXX of XXXX is NOT an acceptable method of verification under federal law. This automated system does not satisfy the requirements of a reasonable investigation and fails to produce the documentation needed to legally verify any account. 
You are hereby required to provide the following within XXXX calendar days : The full name, department, and contact information of the person or entity at XXXX and XXXX you spoke to or communicated with ; Copies of all original documentation used in the reinvestigation ; A full explanation of how your verification process met the standards of reasonable investigation required by law ; Confirmation that these accounts were verified manually, not through automated systems like E-Oscar. 
If you can not produce this information, you are required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to permanently delete these accounts from my credit profile with TransUnion. Continued reporting without sufficient and factual validation will constitute : Violation of 15 U.S.C. 1681i Failure to properly investigate disputes Violation of 15 U.S.C. 1681e ( b ) Failure to maintain maximum accuracy Violation of 15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance Violation of 15 U.S.C. 1692e ( 8 ) Reporting false or unverifiable data This is your final notice. If these items are not verified with actual documentation and human interaction, or if the accounts are not deleted, I will : File an official complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit violations to the Federal Trade Commission ( FTC ) Notify the Illinois Attorney Generals Office Seek legal action for full statutory and actual damages Govern yourselves accordingly. 

Sincerely, 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Moneylion inaccurately reports that my account has had {$460.00} written off when I had paid that amount in full and it was not written off. They had also promised me upon receiving payment that account will be removed from credit report yet they never did and it has been 2 years. 

This company has also been sued and sold to a different company in recent years due to shady money practices. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-moneylion-for-overcharging-servicemembers-trapping-consumers-in-costly-memberships/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OK

Complaint narrative:
XXXX XXXX account on my TransUnion report has a different closed date then my Equifax and according to fcra laws they have to match or be removed from my records permanently so I will not settle for anything less now it is time for TransUnion and Equifax to start going by the law please do your due diligence and make do what the law says

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 2025-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank is knowingly furnishing false late payments to all 3 credit bureaus on my mortgage/credit line ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) despite : The account being closed/paid in full ( {$0.00} balance ) No payment due since closure ( XX/XX/year> ) Their own records show " Current '' and " Paid '' status Violations : XXXX XXXX Fraud ( CDIA Rules 3.7 & 5.2.1 ) Fabricated 30/60/90-day lates in XXXX when no payments were owed Inconsistent data across bureaus ( dates/balances/account types ) proving faulty reporting FCRA 623 ( a ) ( 5 ) Furnisher Violation Failed to : Investigate my disputes Correct obvious inaccuracies Provide verification documents FDCPA 807 ( 8 ) False Credit Reporting Reporting " late payments '' on a closed $ XXXXbalance account is deceptive Impact : Credit score damage ( XXXX point drop ) Loan denials + higher interest rates

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
We have been charged interest the last XXXX XXXX, this month they actually charged interest XXXX  in XXXX XXXX. We pay more than the statement balance before the due date, as we use the card often but maintain keeping the reported balance down. This month specifically we made around XXXX in payments between XXXX paymwnts but the statement was less than XXXX due for the XXXX due date. We were charged XXXX interest charges and they told us that our payment was made late, bit clearly was not. The lack was rude and took advantage of my lack of XXXX, and even couldnt explain why they charged us interest this month after laying more than the statement balance before the due date ( more like a XXXX weeks before it was due ). We just want the credited amount back that they charged. This shouldnt be that complicated to get figured out.

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 2025-07-19 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: IN

Complaint narrative:
My debt was charged off and sold for XXXX XXXX the amount they say I owe is wrong. 
The XXXX phone bills were not mine either and they wont remove from credit even though that debt was sold to collections I never signed anything And my student loans are paid. I there is no record of me owing when I cal dept of education

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 2025-07-19 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: IN

Complaint narrative:
My debt was charged off and sold for XXXX XXXX the amount they say I owe is wrong. 
The XXXX phone bills were not mine either and they wont remove from credit even though that debt was sold to collections I never signed anything And my student loans are paid. I there is no record of me owing when I cal dept of education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MO

Complaint narrative:
I submitted a formal identity theft block request to Equifax under the Fair Credit Reporting Act ( FCRA ) XXXX05B ( 15 U.S.C. 1681c-2 ). I included : A valid Identity Theft Report, Proof of identity, A written statement identifying the fraudulent account ( XXXX ), specifically from XXXX XXXX XXXX, A request that the account ( XXXX ) be blocked under FCRA 605B.

Equifax responded by stating that the item had been previously disputed and failed to treat this request under 605B. Their response appears to have treated my request as a routine dispute under FCRA 611, not a block request under 605B.

Equifax failed to : Block the fraudulent data within XXXX business days of receiving my materials, as required under 605B ( b ), Send me a written notice of denial with the specific reason, as required under 605B ( c ), if they chose not to block the data.

This constitutes a violation of my rights as a consumer and identity theft victim. I am requesting that the CFPB require Equifax to : Immediately block the identified accounts per 605B, Provide documentation confirming the date they received my identity theft materials, and Issue a compliant written explanation if they continue to deny the block. 

I also request that the CFPB consider supervisory review of Equifax for failure to follow identity theft protections under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I called to get two extension on payments being made to account, due to the fact that they didn't take credit card payments. Which I was advised by a representative that they do. Long story short, I have a recording of making payment arrangements.

Company response to consumer: Closed with explanation