vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year> I used my debit card at Citizens Bank ( I have been a customer there for over XXXX XXXX  ) to purchase something at a convenience store. Approximately XXXX. It was declined! I was shocked! I knew I had more than enough money in my account to cover the transaction. THEN, I got an email, stating that there was suspected fraud. I looked over the transactions and confirmed it was legitimate and there was no fraud. I tried to use my card again, it was declined. Very embarrassing and stressful. I called customer service, waited several minutes confirming all of my information and was informed that my card would be active in XXXX minutes. In the meantime, I had XXXX XXXX back home, needing gas for my car. 
I called customer service again to affirm that my debit card was active and I could get my money. & requested that I the bank notify me first either via call, text or email before deactivating my card. I was told it would be active in XXXX minute. Around XXXX PM, after panicking- I went back to the store only to be further stressed out & embarrassed that my card was declined. I had XXXX XXXX to the town of XXXX, as this is the only citizens ATM nearby while talking to someone who reset my account. I went to the ATM only for card to be declined once again. By Luck, I decided to try the gas pump, and I was able to fill my tank and get & XXXX worth of cash. I thought it was taken care of. 
On Friday morning, I was notified via XXXX, that the ordered that I placed on XX/XX/XXXX, approximately XXXX AM were declined. So I called XXXX department XXXX, went through the same series of questions confirming my identity and asking about transactions, my stress level is very high now! XXXX was told my card is active. I had a doctor appt that morning and I was told that me co-payment was declined.. I called customer service again .. XXXX tired, stressed, had to call out of work as I feared I would no money to feed my family, etc. 
Then this afternoon, Friday XX/XX/XXXX, I asked for a supervisor who tried to help me XXXX XXXX to a nearby convenience store to test it and I was declined again!! This unacceptable, this is my money, I didnt ask for this fraud protection and although I appreciate it- it is a very flawed system. 
My card still remains inactive. I cant pay bills, buy food, and now I have XXXX XXXX to a branch tomorrow - waste more gas and time to get a new debit card so I can access my OWN money that was blocked by the so called XXXX department. XXXX stressed, disgusted, and I feel physically ill due to this awful situation that was brought on by Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered unauthorized late payments on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AR

Complaint narrative:
Prior to debt being owed, a disposition of security deposit was never sent or forwarded to new address. No sufficient documents were provided showing the owed debt. XX/XX/year> a disposition was sent noting an amount of {$4200.00} owed. I disputed this amount. XXXX XXXX XXXX contacted me stating I owed {$5900.00}. Exceeding the NV XXXX XXXX ( XXXX XXXX ) late fees of 5 % and altering the initial alleged lease agreement. They have repeatedly denied proof of additional funds while each debt verification letter has different amounts showing that they are being doctored or re-created. Their representative even admitted the additional fees are unlawful but denied any additional information because " I am a refusal to pay so they have no reason to cooperate with me '' Attached will be XXXX documents all with varying amounts " owed '' and XXXX the math is off nearly {$1000.00} and yet not XXXX document proves this information was ever mailed to myself or home as required by Nevada XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 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: MO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Synchrony Bank credit card through XXXX Spaces to purchase furniture and was given a promotional deferred interest offer. I made consistent monthly payments and believed I was in good standing. I was under the impression that as long as I made my payments on time, I would not be charged interest and it would pay off my balance before the promotion ended. 

I recently discovered that the promotional period ended in XX/XX/2025, and I was charged over {$1300.00} in retroactive interest. I had no idea this would happen there was no courtesy reminder email or final notice before the interest was applied. I had paperless billing, and I did not realize the promo had an expiration date buried in the fine print of the statements. 

I immediately contacted Synchrony, explained the situation, and offered to pay the full balance if they could remove or reduce the interest charge. They refused to provide any assistance or courtesy adjustment, despite my good payment history and clear intent to resolve the issue.

Im asking for help in having this interest charge waived or reduced. I believe the terms were unclear, the lack of final notice was unfair, and this practice feels predatory.

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 2025-07-25 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: NY

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 


Please remove the following items from my credit report immediately Experian Account Name : XXXXXXXX XXXXk XXXX Account info Account number : XXXX Open/closed : Open Date Opened : XX/XX/year> Experian Account Name : XXXXXXXX XXXX  Balance : {$3800.00} Account info Account number : XXXX Open/closed : Open Date XXXX Equifax Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} Account XXXX Account XXXX Open/closed : Open Date Opened:XXXX Equifax Account Name : XXXXXXXX XXXX XXXX  Balance : {$3400.00} Account info Account number : XXXX Open/closed : Open Date XXXX Equifax Account Name : XXXX XXXX XXXX XXXX XXXX : {$17000.00} Account info Account XXXX Open/closed : Open Date 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 2025-07-25 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: NY

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 


Please remove the following items from my credit report immediately Experian Account Name : XXXXXXXX XXXXk XXXX Account info Account number : XXXX Open/closed : Open Date Opened : XX/XX/year> Experian Account Name : XXXXXXXX XXXX  Balance : {$3800.00} Account info Account number : XXXX Open/closed : Open Date XXXX Equifax Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} Account XXXX Account XXXX Open/closed : Open Date Opened:XXXX Equifax Account Name : XXXXXXXX XXXX XXXX  Balance : {$3400.00} Account info Account number : XXXX Open/closed : Open Date XXXX Equifax Account Name : XXXX XXXX XXXX XXXX XXXX : {$17000.00} Account info Account XXXX Open/closed : Open Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: IL

Complaint narrative:
American Coradius International LLC reached out by mail about a debt collection, from XXXX. 
I called their toll free line, confirmed my identity, last XXXX digits of socials numbers, my XXXX. The man on the line told me the debt was linked to an email address " XXXX '' and that they will notify about the fraud XXXX. 
I then also called XXXX customer Service ( their credit line ). I gave them my email address, my last XXXX SSN. They took note that it was a fraud as I didn't have any XXXX account with them in the XXXX. They will flag it to the debt collector. They asked me to flag it to the ftc.gov website. 
I got redirected to the CFPB website as it is related to a credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MO

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/year>, I provided orthodontic treatment to a patient, including full delivery of their XXXX aligners. The patient used CareCredit to pay {$5500.00}, and the transaction was processed successfully. My office received the funds after submitting the case through the CareCredit provider portal. 

A few weeks ago, the patient filed a dispute, claiming dissatisfaction with the service. Despite the fact that the patient has been getting the best care and treatment at my office, CareCredit reversed the {$5500.00} payment, siding with the patient and withdrawing the funds from my account. 

At no time did CareCredit notify me by email, phone, or direct message about the dispute. Their explanation was that I should have checked the portal regularly. However, I use the provider portal frequently to process other patient applications and apply for additional credit yet I never saw any message or alert regarding this dispute. I would have responded immediately had I been properly notified. 

This lack of fair and direct communication denied me the opportunity to present documentation or resolve the matter before the case was closed. As a result, I suffered a {$5500.00} financial loss, even though all services were rendered in full and there was no prior complaint made directly to my office. 

I am requesting that CareCredit and Synchrony reopen this case, allow me to provide full documentation of services rendered, and reinstate the {$5500.00} payment.

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 2025-07-25 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I am disputing the accuracy and fairness of negative credit reporting on XXXX federal student loan accounts serviced by Aidvantage. These accounts recently appeared on my credit reports with XXXX day delinquencies, which immediately dropped my XXXX XXXX from excellent to poor despite my having never received notice or billing statements prior to this. 

Upon contacting Aidvantage, I was informed that all delinquency notices were mailed to an old employer address, which I left over XXXX years ago. At no point was I contacted by phone, or mail at my current residence, even though my contact information was up to date. I was never made aware that I had fallen behind, and I was never offered an opportunity to cure the delinquency before it was sent to collections and reported to the credit bureaus. 

These loans are over XXXX XXXX XXXX. XXXX is subsidized, and XXXX is unsubsidized. The delinquencies were reported suddenly and without prior warning, which I believe constitutes a failure to communicate, a servicing error, and unfair credit damage under the Fair Credit Reporting Act and the CARES Act-era communication protections for federal student loans. 

I am now actively working with Aidvantage to pay the full balance, yet they refuse to remove the late payment marks from my credit reports or acknowledge any wrongdoing in how they handled this communication breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Levinbook Law Firm, P.C.
State: NY

Complaint narrative:
Received a letter about owing XXXX XXXX XXXX XXXX about an outstanding bill for {$300.00} that they previously attempted to get from me. 
This is the first I'm hearing about and I haven't been to that office since 2019. 
I have made attempts to call goes to voicemail no one has called me back

Company response to consumer: Closed with explanation