vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I started a program of XXXX XXXX  on XX/XX/XXXX online on XXXX. Since I couldt pay the whole thing right away, they made a plan with me, the plan is {$4000.00} with all tax included. When I first started, I payed {$150.00}. Then they said that since I cant pay the whole thing, to make a contract with Monterey Financial. In XXXX they have this thing that you dont have to pay because it is a very special XXXX. i called XXXX after like a month to cancel, but they didnt let me because in the contract it said that I could only cancel within 15 days after starting. In XXXX I started paying {$180.00}, so I went on and payed XXXX, XXXX, XXXX, and XXXX of XXXX the same amount of {$180.00} each month. Then in my mind I was thinking that I dont have to pay because I wasnt even doing the class. Then I recieve a few emails and calls from Monterey Financial that I ignored. But, on XX/XX/XXXX I called Monterey Financial to see how it was going with the debt. They told me that it was in collections already, so they transfered me to Monterey Financial Collections part, I was talking to the debt collector told me that from {$3100.00} that I owned, they added a 35 % more since it went to collections, which it went up to {$4400.00}. I didnt understand that so I called a whole bunch of times so they could explain it to me and they told me that apart from the 35 % they charging me, they are also charging me an 11 % annually. i told them to send me the contract, but instead of the contract, they sent me calculations. Thank XXXX that I went to all me email and found the contract myself from last year. So I went through the contract and I also calle da few attorneys and they told me that it is illegal to charge me a 35 % interest because I live in New York and the limit of interest is a 16 %. Apart from that, they are also charging me interest ontop of interest, the 11 % annually interest ontop of the 35 % interest. Also let me add that the amount went to collection on XX/XX/XXXX, on XX/XX/XXXX I started a plan and payed {$150.00} more. Then the week after that I payed {$25.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
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.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 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.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this CFPB complaint because Experian is reporting several accounts with inaccurate, incomplete, or unverifiable information. I request a full reinvestigation pursuant to the FCRA. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I dispute the accuracy of this charge-off and request verification. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX appears inconsistent and incomplete. 

XXXXXXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I dispute the charge-off status and request documentation. 

XXXX XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Please verify the accuracy of all reporting. 

XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} This account appears inaccurate. 

Bankruptcy File : XXXX Date : XX/XX/XXXX I dispute how this bankruptcy is being reported. 

XXXX  XX/XX/XXXX I do not recognize this inquiry and request proof of authorization. 

I request that Experian verify these items with the furnishers and remove anything that can not be fully confirmed.

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 card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/year> I purchased three shirts that were adversited as " XXXX XXXX XXXX XXXX XXXX '' shirts from a website called XXXX XXXX  for {$120.00}. Upon receiving the items it was apparent that they were counterfeit. I received correspondence form XXXX XXXX that this company is not affiliated with them nor are they a licensed retailer of XXXX XXXX merchandise. The company has since changed their website name and URL address to : XXXX : XXXX? XXXX I has changed names from XXXX XXXX, to XXXX in New York XXXX to XXXX XXXX which is is today. 

The company would not provide me a full refund so I opened a dispute with my credit card company under the grounds the items I purchased were falsely advertised as being authentic XXXX XXXX. My disupute was opened with Apple Card Goldman Sachs Bank USA. My initial dispute and subsequent appeal were both denied. I provided the credit card company ample evidence that the shirts were counterfeit ; however, they will not reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
I am a brand-new applicant for XXXX ( new account, never activated, never drove or delivered ). 
During the initial sign-up process on XX/XX/year> I accidentally entered XXXX digit wrong in my Social Security Number ( SSN ). 
Checkr flagged the report as SSN trace suspended because of this incorrect SSN I provided at registration. 
XXXX support and a supervisor told me they can not restart the background check or correct the SSN ( multiple chats, no ticket number provided ). Checkr redirects me back to XXXX. 
This is inaccurate personal information on my employment consumer report. It prevents me from activating my new account and earning income. 
I have been unable to work since XX/XX/year>. 
I request that Checkr immediately correct the SSN on the report under FCRA 1681i and that a new background check be run so my XXXX account can be activated. 
Attached : screenshots of the error and support chats, the Checkr report I received, and a photo of my original Social Security card ( last 4 digits redacted ) + drivers license.

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 status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Issue : Incorrect Date of First Delinquency ( DOFD ) and Illegal Re-Aging of Account I am filing a complaint because all three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting an incorrect Date of First Delinquency ( DOFD ) and an incorrect estimated removal date for my auto loan account. This error is causing the negative account to be reported years longer than the Fair Credit Reporting Act ( FCRA ) allows. 

Creditor : ( XXXX XXXX XXXX XXXX ) Account Number : ( XXXX ) According to the payment history reported on my credit file : XXXX XXXX XXXX days late XXXX XXXX XXXX days late The account was never brought current after XX/XX/XXXX The vehicle was later repossessed in XX/XX/XXXX I redeemed the vehicle but the account was still delinquent and never returned to current status This means my Date of First Delinquency is XXXX or XX/XX/XXXX. 

Under FCRA 605 ( c ), the XXXX reporting period must begin at the DOFD. This means the account should be removed from my credit report no later than early XXXX. 

However, all three credit bureaus are reporting an estimated removal date of XX/XX/XXXX, which illegally extends the reporting period by approximately XXXX additional years and violates FCRA rules on DOFD reporting. 

I have already disputed this with the credit bureaus and provided documentation, including screenshots of the payment history and direct copies from XXXX XXXX showing the XXXX XXXX delinquencies. The account was not brought current at any point after that, which means the DOFD can not legally be reset or re-aged.

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue : Incorrect Date of First Delinquency ( DOFD ) and Illegal Re-Aging of Account I am filing a complaint because all three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting an incorrect Date of First Delinquency ( DOFD ) and an incorrect estimated removal date for my auto loan account. This error is causing the negative account to be reported years longer than the Fair Credit Reporting Act ( FCRA ) allows. 

Creditor : ( XXXX XXXX XXXX XXXX ) Account Number : ( XXXX ) According to the payment history reported on my credit file : XXXX XXXX XXXX days late XXXX XXXX XXXX days late The account was never brought current after XX/XX/XXXX The vehicle was later repossessed in XX/XX/XXXX I redeemed the vehicle but the account was still delinquent and never returned to current status This means my Date of First Delinquency is XXXX or XX/XX/XXXX. 

Under FCRA 605 ( c ), the XXXX reporting period must begin at the DOFD. This means the account should be removed from my credit report no later than early XXXX. 

However, all three credit bureaus are reporting an estimated removal date of XX/XX/XXXX, which illegally extends the reporting period by approximately XXXX additional years and violates FCRA rules on DOFD reporting. 

I have already disputed this with the credit bureaus and provided documentation, including screenshots of the payment history and direct copies from XXXX XXXX showing the XXXX XXXX delinquencies. The account was not brought current at any point after that, which means the DOFD can not legally be reset or re-aged.

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: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp taking forever past the 10 business days it was told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
On XX/XX/year>, I purchased a fridge from XXXX XXXX for {$1100.00}. I have had a XXXX XXXX credit card for many years and at the time of check out, I chose an option to split the payment over 12 months. I thought I was using the option to pay without interest associated with my XXXX XXXX  credit card as seen here : XXXX XXXX XXXX. At no point in the check out process did I see an interest rate. 

On XXXX XXXX, I received my monthly account summary which showed a 4.99 % interest rate on the loan. Unfortunately, I didn't notice that until XXXX. 

I chatted with a XXXX 's customer service agent who said that I would get the interest back at the end of the loan but couldn't provide me proof of that in writing and told me to call their customer service. I did that and the agent told me that I had used their XXXX 's Pay loan program which was different from the Lowe 's Credit Card interest free payment plans, and that it wasn't possible for my balance to be transferred to an interest free payment plan and also was not able to confirm the first agent 's claim that I would get the interest back at the end of the loan.

I asked to be escalated to the manager and the agent told me that I would hear the same thing from them. The manager was nicer and put in some kind of request, but I won't have any proof of that or case number or response for about 30 days. 

I went back to the XXXX 's page and started the checkout process for a similarly priced fridge. There is a XXXX 's Pay Later icon listed in the top five payment options with icons. If I select that, it displays a monthly payment but does not display an interest rate. The check out button then changes to an " Apply for XXXX 's Pay & Submit Order '' so it seems like with that option, you don't see an interest rate anywhere before you have to commit to the order. 

If I selected the Credit Card option and then click on my XXXX XXXX credit card, only then do I see text appear showing the option to take 5 % off or split the payment over 12 months without interest. 

The XXXX 's website has a deceptive design pattern that seeks to guide the consumer to the loan option where interest is paid.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
SoFi restricted my account on XX/XX/year> one day after receiving a {$20000.00} loan repayment from a friend. 
I was told the account would be closed and that a check would be mailed, but it has now been over 3 weeks and no closure email has been sent and no timeline has been provided. 
I need access to my funds urgently to purchase a vehicle for transportation. 
Im requesting that SoFi provide a closure date and issue my funds promptly.

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 — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I had thousands of dollars stolen out of my account over the course of several weeks. I made fraud inquiries into all of them. Weeks passed and there have been no updates. They have locked me out of all of my bank accounts and canceled my card so I no longer have access to any of my money. They will not give me any updates on the fraud charges since Im locked out of my account, and the only update on being locked out of my account is that the investigation is on-going. I have no money to my name now and no food.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV aka XXXX XXXX reported a collection on an account that has been enrolled into a debt management program since XX/XX/year>2025. The original creditor knows this, accounts are in negotiations to be settled. This account was also reported by the original creditor as charged off however this collection agency is acting illegally trying to collect on debts in negotiations. I request that they stop trying to collect on this debt thats in negotiations and remove from all credit bureaus includingXX/XX/XXXX

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 — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NV

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Lawful timelines dictate when disputed accounts should be eliminated.

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