vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I charged {$5600.00} on my CareCredit account. On XX/XX/XXXX, I charged an additional {$2000.00}. At the time of purchase, I was told verbally this was a no interest promotion, and I recall it being described as 24 months. I understood this to mean 0 % APR for that period. 

In XX/XX/XXXX, as I prepared to pay off the balance, I was shocked to learn that CareCredit had back-charged over {$3100.00} in interest retroactively from day XXXX of the transactions ( {$2100.00} on the {$5600.00} charge and {$1000.00} on the {$2000.00} charge ). I later learned the promotion had actually been 18 months of deferred interest, but this was never clearly explained to me at XXXX XXXX of sale. I was not aware that all accrued interest would be added if the balance was not fully paid by that exact date. 

When I first reached out to CareCredit in XX/XX/XXXX to understand the charges, I was in shock and tried to get answers. The customer service agent did not explain my options to dispute or offer any meaningful resolution. Only after doing my own research and speaking with others did I learn that I had the right to dispute these charges, at which point I called back in XX/XX/XXXX to formally open a dispute. 

I also never received monthly statements or promotional disclosures during this period because my account was tied to the wrong email address. This was not corrected until XX/XX/XXXX, when I called to check my account. Without statements, I had no way of verifying the promotional period or being reminded of the deferred interest terms. 

This practice has caused me significant financial harm. I fully intended to pay my balance within what I believed was the promotional period and would have had no issue paying a reasonable amount of interest for a short delay. Instead, I was hit with over {$3100.00} in charges that I never anticipated and that were never clearly disclosed.

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 2025-09-16 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-16 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Title company requested a pay off amount on XX/XX/XXXX through the date of XXXX closing. It was approximately XXXX XXXXXXXX. The closing was early on XXXX and the full amount the bank requested through XXXX was provided ( XXXX XXXX XXXX XXXX 
On XXXX Third Federal requested the full XXXX mortgage payment of {$4100.00} *. They stated without this payment Set mortgage payment, the loan was not satisfied. I tried several times to reach loan servicing to receive a breakdown of how the XXXX XXXXXXXX payout through XXXX would not have satisfied the loan in full. 
Why would the payout requested on XX/XX/XXXX not have included all funds owed through the XXXX closing which happened on XXXX and why do I owe the full Set mortgage payment. 
The only way to get my escrow money back was to allow them to take the full adept mortgage payment if XXXX XXXX 
When I call the bank back, customer service wont allow me to speak to loan servicing and loan servicing wont call back or put in writing what they did with the mortgage payment. Since the closed my accountI no longer can access records or speak to a bank manager or receive this reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 
XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am disputing fraudulent accounts that have been added to my credit report without my authorization. These accounts are false, inaccurate, and damaging to my credit profile. Their continued presence compromises the integrity of my financial record and unfairly affects my creditworthiness.

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 2025-09-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX  XXXX XXXX XXXX, TX XXXX In accordance with the fair credit Reporting act XXXX these Accounts has violated my rights. 

XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX U.S.C XXXX Section XXXX states, I have them in right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
They used my boyfriend 's grandmother 's phone number, impersonated her, and asked me to send money because she needed it, and I sent them {$300.00}. It turns out that this person hacked her number. I don't know how, but I only have information about this person : XXXX XXXX 's name and phone number : ( XXXX ) XXXX. Please help me. I'm desperate, and the bank doesn't seem to help much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
I acquired a loan from XXXX XXXX but they sold my account without my knowledge to lvnv without my knowledge and they have added fees also sending people to my aunt house threatening to sue me and to sue my aunt if she doesnt give them information 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: FL

Complaint narrative:
am submitting this complaint regarding an account that continues to appear on my credit report despite my repeated disputes. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to investigate disputed accounts and provide verification of accuracy.

I have requested validation of this account from both the credit reporting agency and the furnisher. To date, no documentation has been provided to verify that this account belongs to me or that the information being reported is accurate. The continued reporting of this unvalidated account is inaccurate and in violation of my rights under the FCRA.

I respectfully request the CFPBs assistance in investigating this matter and ensuring compliance with the law. Unless the furnisher or credit reporting agency provides full validation as required, the account must be deleted from my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MA

Complaint narrative:
Ensure these incorrect entries are eliminated from your system within 15 days in line with USC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MS

Complaint narrative:
XXXX XXXX  Subject XXXX XXXX XXXX  Credit Report Dispute Incorrect Medical Debt Reporting Dear CFPB, My name is * * XXXX XXXX XXXX * *. I am disputing an item on my credit report from XXXX XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX XXXX XXXX regarding a medical account with XXXX XXXX XXXX XXXX XXXX XXXX .Please provide me as well how this creditor / debt collector is has the right to personal information without my permission. 

The report is inaccurate because : * My daughter, who was treated, is fully covered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Her XXXX XXXX name and date of birth are reported incorrectly XXXX XXXX 
XXXX I have XXXX XXXX  never received a bill directly from XXXX XXXX XXXX XXXX  denying me the chance to resolve or pay this balance. 

Under the XXXX XXXX Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) XXXX XXXX furnishers must report accurate information and correct errors. I request this matter be investigated and the inaccurate information removed or corrected. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
I reviewed my Equifax credit report and discovered inaccurate personal information being reported under my file. Specifically, Equifax is showing an incorrect name variation ( XXXX XXXX XXXX XXXX XXXX does not belong to me, and outdated addresses in XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX I no longer reside. My correct legal name is XXXX XXXX XXXX and my only current address is XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. 

These inaccuracies put me at risk of misidentification, failed identity verification checks, and harm to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 15 U.S.C. 1681i ), Equifax is legally obligated to ensure that all information in my consumer file is accurate, complete, and verifiable. Continuing to report false or outdated personal data is a violation of federal law.

I have already provided supporting documentation ( government-issued ID, utility bill, bank statement, and phone bill ) that clearly verifies my correct identity and address. Despite this, Equifax has failed to correct these inaccuracies, leaving me exposed to ongoing harm and unnecessary risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-16 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: TX

Complaint narrative:
I am bringing to your attention an unauthorized hard inquiry that is currently reported on my credit file. After reviewing my records, I have verified that I did not apply for credit, nor did I authorize this access to my credit report. Such an error undermines the integrity of my credit profile and may suggest misuse of my personal information.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX I received a phone call from a company identifying itself as XXXXXXXX XXXX XXXX XXXX They claimed I owed {$5000.00} for a debt dating back to 2002. I was shocked, as I had never been served any legal documents, nor had I received any certified mail. They insisted they had sent paperwork in XXXX, but it wasnt certified or tracked. Another representative later contradicted this, saying the letter was mailed in XXXX. 

During the call, the representative told me that our conversation was equivalent to being legally served. I explained that I have an XXXXcredit score, pay my bills, and would need to be properly served to respond. She then asked if I owned my home and claimed to know my address, square footage, past residences, birthdate, and Social Security numberwhich felt invasive and unsettling.

She rattled off several email addresses, though only one was current. Then came the threat : if I didnt appear in court, they would win by default and Id owe {$26000.00}. She tried to schedule a court date right then and there, insisting I had no right to documentation and would need to prove if my identity had been stolen in 2002. 

Later that day, I called back with my husband present on speakerphone. This time, the company identified itself as XXXX XXXX XXXX different name. I asked for their physical address, but they refused to provide it. They claimed an attorney was handling the case and that their client was Care Credit. When I requested a copy of the signed document, they said it would be included in a service package that they couldnt send because we were on the phone and that constituted legal service. I asked for their license number, and again, they refused. 

I am a XXXX veteran, raising my grandson without financial support. They threatened to place a lien on my property if they won the case. They said I would have to fly to California from Georgia to attend court.

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 2025-09-16 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: MI

Complaint narrative:
I am writing to dispute fraudulent information that continues to appear on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. 
On XX/XX/XXXX, I submitted a complaint and provided supporting documentation, including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ), Report Number XXXX. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block or delete any information identified by the consumer as the result of identity theft within four ( 4 ) business days.

It has now been 30 days since I made this complaint, and I have not received any response or resolution from the credit bureau. The fraudulent information is still being reported, despite my clear evidence and repeated notifications. 
The following information remains on my credit report and must be blocked immediately as the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As the law requires, I am once again formally requesting that this fraudulent information be removed from my credit reports. This information should remain blocked for a minimum of XXXX year, with the option to extend if necessary. Until then, no fraudulent data should continue to appear in my file. 
The ongoing failure to remove these fraudulent accounts is causing me significant and unfair harm. I respectfully urge the CFPB to intervene and ensure compliance with federal law in my case.

Company response to consumer: Closed with explanation