vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been a CareCredit customer since XXXX and enrolled in paperless billing since XX/XX/XXXX. My issue began after using a promotional deferred interest offer on XX/XX/XXXX ( expiring XX/XX/XXXX ). I set up auto payments to ensure full repayment before the expiration. 

On XX/XX/XXXX, I made another deferred interest transaction. I assumed payments would be applied on a " first in, first out '' basisentirely toward the earlier balance before the later one. However, payments were split evenly, which was not clearly explained. As a result, the first promotion expired before being fully paid, and I was charged the full deferred interest. I noticed the increase in my balance in the statement email received on XX/XX/XXXX. Notably, these emails include the total balance but not the individual promotional balances. 

I resolved this issue in XX/XX/XXXX, but have not received any monthly statement emails since. Assuming everything was in good standing, I lost track of the second promotional balance. I only realized it had expired when I checked my account for a potential transactionunfortunately, just after the XXXX grace period. 

I contacted CareCredit via online chat on XX/XX/XXXX. After speaking with agent XXXX and then Account Manager XXXX XXXX, I was told nothing could be done and was given a phone number to call. 

On XX/XX/XXXX, I spoke with XXXX, who attempted an unsuccessful email dispute and transferred me to Account Manager XXXX. I explained I had not received statement emails since XX/XX/XXXX. XXXX said their system shows the emails were delivered, but could not provide proofonly verbal timestamps. We confirmed the sender address was correct ( XXXX ). Despite this, because the grace period ended on XX/XX/XXXX, XXXX said the interest could not be waived. She offered a lateral transfer to another Account Manager, but said the outcome would be the same. 

Given this, I am submitting a CFPB complaint in an attempt to have the deferred interest waived or have my account otherwise credited for the interest amount, provided I pay the remainder of the promotional balance with a one-time payment. 

As a long-standing customer acting in good faith, I believe CareCredits systems and communication, particularly for paperless billing customers, are inadequate in keeping customers fully informed, putting customers at significant risk for similar harm.

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 2025-04-23 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:
This letter is a formal dispute regarding the reinsertion of a previously deleted or corrected item on my credit report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the FCRA, if an item is reinserted into a consumers file after being deleted or corrected, the consumer reporting agency is required to notify the consumer in writing within five business days of the reinsertion. I have not received any such notice regarding the reinsertion of the following account : Account name : XXXX XXXXXXXX Account Number : XXXX and XXXX Date of Original Deletion or Correction : XXXX XXXX Date of Reinsertion ( if known ) : XXXX XXXX This reinsertion was done without the legally required notice and proper certification from the data furnisher, which makes it unauthorized and in violation of federal law. 

I hereby demand the following : 1. Immediate removal of the reinserted item from my credit report ; 2. A copy of the certification of accuracy provided by the furnisher that was used to justify the reinsertion ; 3. A written explanation of your reinsertion process and how this item was allowed back onto my report without proper notification ; 4. An updated copy of my credit report showing the corrected deletion.

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 2025-04-23 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:
This letter is a formal dispute regarding the reinsertion of a previously deleted or corrected item on my credit report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the FCRA, if an item is reinserted into a consumers file after being deleted or corrected, the consumer reporting agency is required to notify the consumer in writing within five business days of the reinsertion. I have not received any such notice regarding the reinsertion of the following account : Account name : XXXX XXXXXXXX Account Number : XXXX and XXXX Date of Original Deletion or Correction : XXXX XXXX Date of Reinsertion ( if known ) : XXXX XXXX This reinsertion was done without the legally required notice and proper certification from the data furnisher, which makes it unauthorized and in violation of federal law. 

I hereby demand the following : 1. Immediate removal of the reinserted item from my credit report ; 2. A copy of the certification of accuracy provided by the furnisher that was used to justify the reinsertion ; 3. A written explanation of your reinsertion process and how this item was allowed back onto my report without proper notification ; 4. An updated copy of my credit report showing the corrected deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These companies are reporting unauthorized inquiries that I never approved to be placed on my credit report or applied for credit. I am asking that these inquiries be removed immediately. The pirating of false and unauthorized information on my report has to be stopped. Under section US Code 1602p, 15 USC 1681b ( 2 ), 15 USC 1681 ( q ), and 15 USC 1681c-2 XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If these items are not deleted within 5 days under 15 USC 1681n ( Civil Liability For Willful Noncompliance ) I am liable for payments up too {$1000.00} and will not hesitate to file.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After Ive made a check deposit of my XXXX insurance  funds about a small accident I got, they blocked my account since XX/XX/XXXX, telling my account was blocked about the check was under my last name and my account is under my middle name just, because Ive opened online and their system meet up with! 
After Id realize my account was locked, Ive been XXXX  times in XXXX diferente branches, all managers refuses to help and provide any info, even my balance their are letting me in the dark maybe just because Im an iXXXX XXXXXXXX and not a XXXX! Threat me like a trash by phone I tried to call for a specialized department and they send an email for I can provide my form of ID and all email I got from Citi telling my account will be closed and Ill receive my money by mail check within XXXX  days built Im not sure about Im been XXXX  XXXX XXXX XXXX for late payment and losing my XXXX XXXX XXXX and my XXXX XXXX about same, payment, while the Citi bank keeping more than XXXX dollars of my property, using my money to make profit to them! Please help me, Im almost XXXX, sheriff is about to show up with 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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credova Holdings Inc
State: FL

Complaint narrative:
I was on the website for impact guns around XX/XX/2024 and I order a handgun. The site offered a pay in XXXX installments offer through Credova so I opted to do that. It took me to the Credova site and I entered my information for the installment payments and it approved me so I entered my checking account information for the installments. It took a while for my to receive the handgun but I got it in XXXX some time. I dont use the account that I had the money coming out of so it was sometime in XXXX when I checked the account when I was receiving a call from XXXX XXXX saying I owe them {$110.00}. I looked at my account and all of my money was still there even though by that time they should have already collected 2 of the installments. I asked the staff from XXXX what they had to do with the installments and why they werent taken out and they said Im leasing the handgun and its a monthly rental for {$110.00}. I told them that they are mistaken, I signed an agreement with Credova for the pay in 4 and I am not aware of any agreement with them. They told me that they have a signed contract. I informed them it clearly said it pay in 4 when I signed up and I dont know what they are talking about. They sent me a copy of a lease agreement but that was notheingbthat I saw before and I did not agree to it. I told them I will be contacting Credova and getting this straightened out. Credova didnt help they said something about it happens all the time that people sign up and they dont understand its a lease even though it say pay in 4. I told them that is false advertising and they are corrupt and need to stand by what their website offers. They did nothing to address my issue so I have reported them to the better business bureau and I am now reporting it to you to see if I can get help to resolve this issue. They are crooked and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I am filing this complaint against Equifax for its persistent and unlawful failure to conduct a proper investigation into multiple disputes Ive submitted regarding serious inaccuracies on my credit report. Despite providing clear documentation, Equifax continues to report incorrect names, false addresses, and accounts that do not belong to mea blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information.

Equifax has repeatedly dismissed my disputes within 24 hours, claiming the information is accurate without providing a single piece of supporting documentation or evidence of any investigation. This pattern demonstrates a complete disregard for the legal obligations imposed on consumer reporting agencies. Notably, Equifax has ignored the extensive evidence I submitted proving that I was a victim of their own massive data breach, which has contributed to years of fraudulent and incorrect reporting on my file. 

Furthermore, Equifaxs continued refusal to remove the incorrect name XXXX and the fraudulent XXXX XXXX XXXX account from my credit report is not only negligentit is malicious in its disregard for my identity and financial well-being. These repeated failures have caused substantial and lasting damage to my credit standing.

Equifaxs conduct also appears to violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive acts or practices. This is further evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding against Equifax ( File No. XXXX ), which documents systemic issues nearly identical to what I have experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on 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 2025-04-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: ID

Complaint narrative:
I had opened an account with the company XXXX a few years ago and made several purchases on my line of credit. When i became unable to pay, this company wrote off the charges and reported to the credit reporting agencys that i have several accounts with different amounts instead of the one account with one total amount as pictured on my XXXX account, damaging my credit report further by creating separate and multiple accounts. Im not disputing the amount i owe, but creating separate accounts through separate loans with one credit line is fraud and bad business practice.

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 2025-04-23 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreeed

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