vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
My XXXX secured credit card was suspended on XX/XX/XXXX with a balance of approximately {$390.00}. Because the account was suspended, the mobile app and website would not allow me to make a payment. I called XXXX multiple times, but the representatives confirmed they could not take a payment or adjust the amount. I was told I would receive a revised total so I could pay the balance and close the account in good standing. I never received any updated amount. 

Instead, the account was closed on XX/XX/XXXX without my authorization and without giving me any way to pay it. XXXX later applied my {$200.00} secured deposit on XX/XX/XXXX XXXX days AFTER the account was closed but did not adjust the balance or correct the reporting. 

XXXX has since reported ongoing late payments for months after the account was closed, which is impossible and inaccurate. I was prevented from paying due to XXXX own system restrictions, but XXXX is reporting this as if I refused to pay. This is a direct violation of the Fair Credit Reporting Act. 

These inaccurate late marks have caused major damage to my credit score and directly interfered with my ability to complete business transactions, including a commercial property purchase. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representatives ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were unprofessional, talked over me, refused to review my documents, refused to escalate the issue, and hung up on me. Citibanks mishandling and misconduct have made it impossible for me to resolve this. 

I am requesting that XXXX immediately correct the reporting to show the account as : " Paid as agreed '' or " Closed at consumers request never late. '' I also request the removal of all late marks caused by XXXX errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
My XXXX secured credit card was suspended on XX/XX/XXXX with a balance of approximately {$390.00}. Because the account was suspended, the mobile app and website would not allow me to make a payment. I called XXXX multiple times, but the representatives confirmed they could not take a payment or adjust the amount. I was told I would receive a revised total so I could pay the balance and close the account in good standing. I never received any updated amount. 

Instead, the account was closed on XX/XX/XXXX without my authorization and without giving me any way to pay it. XXXX later applied my {$200.00} secured deposit on XX/XX/XXXX XXXX days AFTER the account was closed but did not adjust the balance or correct the reporting. 

XXXX has since reported ongoing late payments for months after the account was closed, which is impossible and inaccurate. I was prevented from paying due to XXXX own system restrictions, but XXXX is reporting this as if I refused to pay. This is a direct violation of the Fair Credit Reporting Act. 

These inaccurate late marks have caused major damage to my credit score and directly interfered with my ability to complete business transactions, including a commercial property purchase. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were unprofessional, talked over me, refused to review my documents, refused to escalate the issue, and hung up on me. Citibanks mishandling and misconduct have made it impossible for me to resolve this. 

I am requesting that XXXX immediately correct the reporting to show the account as : " Paid as agreed '' or " Closed at consumers request never late. '' I also request the removal of all late marks caused by XXXX errors.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone : ( XXXX ) XXXX Email : XXXX Respondent : Synchrony Bank XXXX. XXXX XXXX XXXX, PA XXXX Subject : Improper Credit Line Reduction, Misreporting of Payment History, and Retaliatory Conduct Complaint Summary I am filing this complaint against Synchrony Bank regarding my Synchrony XXXX XXXX XXXX account ending in XXXX. 

On XX/XX/2025, Synchrony did Not properly notifiy me that my credit line was reduced to {$250.00}, citing vague risk-based scoring factors. This decision is improper, retaliatory, and based on inaccurate information. 
1. Perfect Payment History Ignored I have never missed a payment, incurred late fees, or exceeded my limit.

2. Bank Accounting Error in XX/XX/2025 I submitted my payment early, yet Synchrony incorrectly reported it as late. Despite notifying the bank, this error has not been corrected or reimbursed. 
3. Retaliatory Action The adverse change came immediately after my inquiry about their accounting mistake. Instead of fixing their error, Synchrony reduced my limit drastically.

4. Harm to Credit & Consumer Rights This unnecessary credit line cut will harm my credit utilization ratio and cause irreparable damage to my score and credit reputation.

This constitutes unfair and abusive treatment under the Dodd-Frank Act and violates principles of accurate reporting under the Fair Credit Reporting Act ( FCRA ).

Requested Resolution I respectfully demand : Immediate reversal of the credit line reduction and restoration of my prior credit limit. 
Correction of the erroneous XX/XX/2025 late payment and confirmation in writing. 
Assurance that my account will not be retaliated against for raising legitimate disputes.

Written acknowledgment to the CFPB confirming compliance.

Supporting Documentation Synchrony Bank adverse action notice dated XX/XX/2025. 
Proof of timely payment for XX/XX/2025 ( available upon request ). 
Record of my dispute with Synchrony regarding the misapplied payment. 



Complainants Statement : Synchronys actions are unjust, retaliatory, and damaging to my credit standing. I ask the CFPB to intervene and require Synchrony Bank to reverse this harmful and unnecessary action, correct their reporting error, and ensure proper compliance with consumer protection laws. 

Respectfully submitted, XXXXXXXX XXXX XXXX Signature : ______________________ Date : ______________________

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 2025-11-20 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXX for falsely asserting that I owe them money, when in fact, they owe me compensation for unpaid labor and business development services I provided. 

I worked on behalf of XXXX, going door to door, using my personal vehicle and fuel, and dedicating time and effort to help solicit and grow their business. This work was performed without proper compensation, reimbursement, or contractual clarity. Despite this, XXXX has now claimed that I owe them moneya claim that is both inaccurate and unjust. 

Key Issues : Unpaid Labor : I performed work that directly benefited XXXX business operations, including client outreach and marketing, without receiving wages, reimbursements, or formal employment protections. 
False Debt Claim : XXXX has reported or communicated that I owe them money, which is categorically false and may constitute defamation, fraud, or misrepresentation.

Use of Personal Resources : I used my own vehicle, fuel, and time to support their business activities, incurring costs that were never reimbursed.

Violation of Labor and Consumer Protections : Their actions may violate labor laws, consumer protection statutes, and fair debt collection practices.

Applicable Legal References : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692c and 1692g Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ), 1681 ( a ) ( 2 ) Florida Labor and Employment Laws Fraud and Misrepresentation Statutes

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MA

Complaint narrative:
I am a Representative Payee for my disabled cousin 's Social Security payments.

The Social Security Administration began sending these payments to Direct Express ( I did not authorize them to start sending the payments to Direct Express ; but that is not what this complaint is about ).

In order to link an external bank account to my Direct Express account so that I could withdraw the funds, I needed to provide a number of different documents including license and bank statements.

The instructions provided by Direct Express are not consistent. They list one set of required documents on their website : https : //web.usdirectexpress.com/bank-verification-steps But after emailing the documents, I received a different set of instructions with additional, more onerous requirements. 

On XX/XX/XXXX, I made my first submission of documents by email of the required documents. 

Direct Express does not provide any information about whether the external account has been verified, including through the website. They do not notify you that the request has been accepted or rejected. 

On XX/XX/XXXX, I spoke to a representative, who informed me that the account was not verified. She said it could be because I did not include a picture of the back of my license/ID ( even though this is not described as a requirement on their website, see above ). 

Following this, I sent the information again, including the back of my license. 

I called again and was told the account was not verified, and again the representative was not able to tell me why the request was denied. 

On XX/XX/XXXX, I sent an additional set of documents, including a signed letter from my bank indicating that I was the owner of the external account, recent bank statements, and driver 's license ( front and back ). 

On XX/XX/XXXX, I was told that the external account had again not been verified. The representative was unable to tell me why the request had been denied and told me that I had no choice but to re-submit. 

It seems to me that Direct Express has intentionally set up procedures that ensure it will be difficult if not impossible to withdraw funds from their accounts. 

As a servicer to recipients of Social Security funds, they are preying in particular on disabled people, retirees and lower income people in our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
I am disputing the reporting of my XXXX account. The account shows multiple errors : 1.Payment history : Reports 0 / 1 / 1 ( 30 / 60 / 90+ days late ), which is impossibleany 60- or 90+ day late must be preceded by a 30-day late.

2.Utilization : The account is closed and charged off, yet it reports 24 % utilization, which is inaccurate for a closed account.

3.Last reported date : Listed as XX/XX/year>, over 1.5 years after closure, which seems incorrect.

I request that the credit bureau investigate and correct these inaccuracies. If the information can not be verified, I request the account be deleted from my credit report, per the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went into the Chase bank and had a sit down with a a rep, to go over my credit card fees. They are charging me two finance charges, one on a credit card charges of XXXX percent and another on a balance tranfers of XXXX percent. So I am paying over 50 percent in finance charges each month..

I want to know can they do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a reimbursement check issued by XXXX Mortgage for approximately {$3600.00} for electrical work I completed on a property. The check was issued on XX/XX/year>, and the funds were withdrawn from XXXX Mortgages account, meaning the check successfully cleared. 

Despite this, Chase placed a hold on my funds and has continued to hold the money for nearly two years. Chase claims they can not release the funds because they can not verify the check. However : The check cleared the issuers account XXXX Mortgage has verified the check in writing Chase refuses to accept written verification Chase stated they can not verify because XXXX is not registered in their system, which is not a real requirement Chase told me I may have to wait 35 years for an adjustment process, which is not supported by federal regulations No valid Reg CC hold reason has been provided Chase has not provided any written explanation of the long-term hold Chases explanations contradict federal banking laws regarding truth-in-hold disclosures and access to deposited funds. I am requesting CFPB assistance because Chase is unlawfully withholding funds that have already cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-11-20 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: NC

Complaint narrative:
Trying to purchase a vehicle and realized that damages are on my credit report. According to the 15 U.S.C. 1681 there should not be any damages on my report. It is a defamation of my character.

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 2025-11-21 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: MI

Complaint narrative:
I purchased a crossbow from XXXX using my XXXX store card. I purchased it before hunting season. Then, when hunting season began, I was not able to use it. I shot it only a few times to gauge how it works as target practice. Then, I noticed that the arm was separating. This is dangerous and should not happen. I tried to return it to XXXX, but they said I needed to contact the seller who said my window was up for the return. The product was damaged. They said I needed to contact the mfg. The mfg said I needed to pay for a repair. They initially said I needed to go to a service center. I said I dont have XXXX near me and asked to ship it. I was asked to fill out an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The last time I never heard back. It was new and defective and they said I had to pay for the repair work. 

So, I called XXXX back like XXXX said to and they said that they would elevate the claim and that I would be able to get a refund. They said if I didnt hear back in a week, I should call back. That is what I did. I spoke to a man named XXXX and his supervisor XXXX from XXXX XXXX. They lied to me and said that the previous representative didnt submit the claim. Then, later walked back and said that they actually did escalate the claim and it was rejected. But in early XXXX she had promised me she would take care of it and get me the refund through the higher channel. My XXXX account uses the email XXXX. Given that it was defective so early in my use I suspect they shipped me an item that had already been returned or that it was damaged at their warehouse or in shipping. This bow should have lasted a decade with regular use. Instead I was not even able to get a single season out of it.

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 2025-11-20 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-21 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-11-21 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief