vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am writing to formally express my dissatisfaction and frustration with ongoing issues related to my account and the repeated billing errors I have experienced, despite having automatic payments set up since opening my card. 
From the time I opened my account, I have always had automatic payment withdrawals in place and have never made a late payment. However, at some point, the automatic withdrawal feature was removed from my account without my knowledge or consent. I am unsure if this occurred due to an app update or a system error, but as a result, I was unexpectedly charged a late fee. 
After noticing this, I promptly contacted Synchrony Bank to request that the late fee be waived. I also re-established my automatic withdrawal settings through the app, which showed my bank account information correctly and confirmed that automatic payments were active. Despite this, my payment was not withdrawn again, resulting in another late fee. I requested another waiver and made the payment manually to keep my account current. 
On XX/XX/XXXX, my next payment was scheduled and was successfully withdrawn on the due date. However, despite the payment being made on time, I was automatically charged another late fee. I contacted Synchrony Bank once more, and although the representative agreed to waive the fee, this incident clearly demonstrated that there is a technical glitch or malfunction within the Synchrony Bank app. 
Following that, I re-added the automatic withdrawal again, but the payment still was not processed, and yet another late fee was charged. At this point, I was extremely dissatisfied with the repeated issues and lack of resolution. Out of frustration, I decided to pay off the entire remaining balance of my account in a lump sum. My starting balance had been approximately {$2200.00}, and I paid off the remaining {$300.00}, which should have brought my account to a XXXX balance. 
However, after doing so, I was informed that a remaining {$42.00} balance was still due, entirely consisting of a late fee that I believe to be unfair and unjustified. I contacted Synchrony Bank multiple times requesting that this fee be removed, explaining the repeated technical errors and my consistent efforts to maintain on-time payments. Unfortunately, each request was refused, despite the clear evidence that the app malfunctioned and caused these issues. 
I have been a responsible customer who has made every effort to ensure timely payments and maintain a good standing with Synchrony Bank. The repeated system failures and refusal to resolve this matter have caused unnecessary stress and inconvenience. 

See attached- my payment being made on the XXXX ( due date ) and a late fee promptly following.

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 2025-10-28 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing regarding Columbia Debt Recovery Genesis being listed on my credit report. I have never signed or agreed for this company to access, manage, or report any personal or financial information about me. I am aware of my debt with my original apartment complex, but I was never notified that this third-party company would be involved or that my information would be shared with them.

I contacted all three credit bureaus directly, and each one advised me to reach out through the CFPB to see if Columbia Debt Recovery Genesis could work with me on resolving this issue. I am consistently being denied housing opportunities because of this entry, and I need clarity on how this company obtained my information and the authority to report this debt.

Under 15 U.S.C. 1681b ( Permissible Purpose ) and 15 U.S.C. 1692g ( Debt Validation ), I am requesting documented proof showing that I personally authorized Columbia Debt Recovery Genesis to collect or report my account. If such proof can not be provided, I ask that this entry be removed from all three credit reports immediately.

I have uploaded my ID. Hopefully you guys can work on removing this at least until XXXX if possible so i am able to get another place for my children and i as i am struggling with all these denials. Please and Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the following incorrect addresses listed on my credit report. These must be removed immediately as they are inaccurate and not associated with me : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Only my current address, XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX, should remain on file. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer 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 2025-10-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
I believe these accounts were fraudulently opened and are not tied to me. I ask for their swift removal and a comprehensive inquiry. Documentation is included.

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 2025-10-27 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS OPENED WITHOUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS OPENED WITHOUT MY CONSENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: River Financial Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I made a bitcoin transfer of {$4500.00} I was then told there is a XXXX day wait to be able to move the bitcoin after I already initiated the transaction. The {$4500.00} was debit from my bank account on XX/XX/XXXX it has cleared and there has been no problem with payment. I then decided I will just have to wait the XXXX days but I asked River Finance if there was any reason for the delayed release of my cryptocurrency then I received an email that my account was closed and I received no explanation. I was already completely verified. Then on XX/XX/XXXX my account was closed & several hours after my account closure I was told that I would have to wait 41 days to receive my money which is an unacceptable amount of time to wait when I did nothing wrong besides send an email asking when would the funds be cleared for me to move my bitcoin. The reason behind the closure is in the air as River is unable to tell me but this is the message that was sent to me. I need my money sooner than 41 days as it took no time for River to debit my bank account and I was authorized to use the platform then. This seems like a scam tactic and I do not understand this absurd wait for a my deposit to be returned to me. 

Hi XXXX, Thank you for your interest in holding an account with River. Regretfully, we have determined to discontinue this business relationship. Your account has been closed.

An account may be closed for a number of reasons. These reasons include, but are not limited to : being unable to verify Client information ; unusual activity associated with the account ; violation of Terms of Service ; or ineligible for a River account.

Please note that your original cash deposits totaling {$4600.00} will be returned to the originating bank account on XX/XX/XXXX. 

No further action is needed on your end. I apologize for the inconvenience this may have caused. 
XXXX XXXX XXXX XXXX River Ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-27 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: 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!

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 2025-10-28 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
Late Payment Disputes 1. 
XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX 3. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. 
CREDENCE RESOURCE MANA Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. 
XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  7. 
XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  8. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For all the above accounts : My records show payments were made on time or within the grace period. The late payment notations appear to be errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Re : Inaccurate Reporting Account ending in XXXX  I am writing to formally dispute, for the third time, the accuracy of the account ending in XXXX, which your records show as PAID_AND_CLOSED with a 30-day late payment. This information remains inaccurate and unverifiable, and its continued inclusion on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes, Experian has continued to report this late payment, stating that the furnisher has certified the information as accurate. However, under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed informationnot simply accept the furnishers response at face value. To date, no documentation proving the alleged delinquency has been provided to me. Without proper verification or evidence, Experian is legally obligated to delete the disputed information. Furthermore, 15 U.S.C. 1681e ( b ) requires Experian to ensure that all information it reports is accurate and complete. Continuing to report unverifiable or incomplete data constitutes a violation of this section. I request that Experian : Delete the inaccurate late payment notation associated with this account; Please complete your reinvestigation within the 30 days allowed by law and provide me with written confirmation of your findings

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