vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Convergente Account # : Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXPublic Information. 
Chapter XXXX Bankruptcy XXXX has violate my right. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions has violate my right.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions

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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Byrider Franchising, LLC
State: ID

Complaint narrative:
On Monday night, XX/XX/year>2025 the car was repossessed and the next day when we sent an email to the comany, they stated we were 47 days past due and we have that in writing. We had sent an email to the comany on XX/XX/scrub> 2025 with all the credit card info authorizing them to take the payment. We have sent the information on more than one occasion, and they refused to take the payment. They have sent demands to know where I was working and I refused to give them that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
Reviewed my credit report and noticed many errors and accounts that I do not notice at all! Please remove all fraudulent accounts from my credit report immediately! These accounts are making it hard to obtain credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting by OneMain Financial for my XXXX XXXX account. My credit agreement states that balances will be reported as of my monthly statement closing date. However, OneMain Financial has repeatedly reported balances to the credit bureaus on dates that do not match my statement cycle. 

For example : My XX/XX/year> statement closed on XX/XX/XXXX with a balance of {$120.00}. 
My XX/XX/year> statement closed on XX/XX/XXXX with a balance of {$46.00}. 
My XX/XX/year> statement was not scheduled to close until XX/XX/XXXX. 

Despite this, OneMain reported a balance of {$390.00} to XXXX  on XX/XX/XXXX and to XXXX  on XX/XX/XXXX. These reporting dates do not match my contractual statement closing date, and the balance amounts do not reflect my actual statements. In fact, my XXXX statement balance of {$46.00} was never reported at all. 

This pattern demonstrates inconsistent and inaccurate reporting practices that harm my credit profile. Reporting mid-cycle balances defeats the purpose of generating monthly statements and results in inaccurate account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
I was trying to buy a vehicle and I realized I had damages on my credit report and according to the 15 U.S.C 1681 there should not be any damages on my credit report which is a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
I was trying to buy a vehicle and I realized I had damages on my credit report and according to the 15 U.S.C 1681 there should not be any damages on my credit report which is a defamation to my character.

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 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Repeated phone calls and harassment. Im formally writing a letter to Cease and Desist 15 USC 1692 cc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/scrub> 2025, I applied for the Capital One SavorOne card after using their online pre-approval tool. During

pre-approval, I was asked what was most important to me and I selected " No annual fee '' and " New card member offer. '' The system then displayed the Capital One SavorOne card with a {$200.00} bonus after spending {$500.00} in the first 3 months, with no annual fee. I selected that version of the card because the welcome bonus was important to me. However, after approval, the account I received did not include the welcome bonus. When I contacted Capital One, I was told there is no welcome bonus attached. At no point was I informed that I was being approved for a different version of the card without the advertised bonus. The card I applied for and the card I was given are not the same product. The pre-approval process explicitly showed me the
SavorOne card with a welcome bonus, which materially influenced my decision to apply. This is misleading and unfair advertising.

Requested resolution : I request that Capital One honor the {$200.00} after {$500.00} spend welcome bonus that was advertised during pre-approval, or provide a comparable account credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
My identity was stolen, and a loan was fraudulently taken out in my name without my knowledge or consent. I did not request, apply for, or authorize this loan. I only learned of the loan after being contacted about charges and enforced lien of real property owned by me. This is the result of Identity theft. I am disputing this loan as fraudulent. I am requesting that the company ( Midland Credit Management XXXX XXXX  ) immediately investigate, remove this fraudulent account, stop any harassment, collective activities and correct any negative credit reporting associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX, I called Bank of America- an institution with whom I have a XXXX  year account- to set up a new recurring credit card payment and to pay currently due balance. The representative advised me on exact payment to make to avoid any interest and then set up a recurring payment. On XX/XX/XXXX I was charged {$150.00} of interest because XXXX ) The amount advised to pay to avoid interest was incorrect, and XXXX ) My recurring payment was not set up to start until XXXX. Both of these were incorrect guidance that caused me to unknowingly incur interest. 

On XX/XX/XXXX, I called customer service and was escalated multiple times, for an XXXX  and XXXX minutes of total time, to continuously be told that theres nothing that could be done. Throughout the course of this process, a customer representative - XXXX - apologized multiple times and admitted fault on the Banks behalf. But to my surprise, I was still met with the response theres nothing more we can do and no further escalations available.

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 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Re : Supplemental Complaint TransUnion Refusal to Block Fraudulent Collection under FCRA 605B To Whom It May Concern, I am submitting this supplemental complaint regarding XXXX XXXXXXXX XXXX XXXX. Despite my prior CFPB complaint, TransUnion continues to refuse to block a fraudulent tradelines reported on my consumer profile even after I submitted : A valid FTC Identity Theft Report, A copy of my government-issued identification, and Proof of my current address. 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency is required to block such information within 4 business days once provided with an identity theft report and proper identification. 

TransUnions refusal constitutes willful noncompliance with the FCRA, as they are demanding duplicative documents I have already provided. Their continued stalling is causing harm to my financial standing and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I put my payments on autopay for the Synchrony Care Credit card and provided my correct checking account number and routing number. Some payments were withdrawn from the account while others were not and I was charged late fees. I struggled to keep up with the late fees and interest due to all of the " failed '' payments. I started to make manual payments even while keeping my card on autopay. These payments were withdrawn from my account. Eventually the manual payments were also getting declined and I was being charged a late fee and interest. I contacted the company and was told they were declined due to " not being able to find my bank account ''. They used my same checking account to make prior payments but claimed to be unable to use it for other payments and did not explain why. I called my bank ( XXXX XXXX ) and confirmed the account number and routing number I provided were correct and they told me they have no record of declining any payments from the company. My bank asked me to get proof from the company of the declined payments and reason for it and after speaking to the company multiple times, they refused to provide any proof or helpful information. The company is Synchrony for the Care Credit card with my account number ending in XXXX. I told them I was going to file a complaint and they suddenly were able to withdraw the money from my bank. The statements are also missing information/balances that were showing prior to telling them I was going to file a complaint. I will include proof of some payments that were withdrawn and letters of returned payments thats caused late fees. I will also include proof that the account information I entered was correct and already the exact numbers being used for autopay and other payments.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have found out that I should say what is wrong with me, that caused my accounts to be late, and the Late Payments should not be reported. 
I have XXXX that I have been fighting for over XXXX  years already. this is really very terrible. if needed I will give all information to check with my XXXX. 
I was told to say about federal law. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information They should not report my late payments. because it's not my fault it's because of my 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 2025-08-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX Cards XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifa 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX to XXXX calls from XXXX through XX/XX/year> from XXXX and XXXX trying to collect debt from me that's not even my name just my number someone else must have used. I told them six times and verified that it was not me that owed debt and they stated they took me out of their system and even on do not call list yet they keep calling even today XX/XX/year> at 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 2025-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
My mortgage servicer M & T Bank, mishandled my escrow account, creating a shortage of over {$5000.00} that I am now being forced to repay. 

Instead of paying my property taxes from escrow, they used escrow funds to pay a {$56.00} water bill which is unacceptable. 
They also reduced my monthly mortgage payment by about {$430.00} without any notice or explanation. 
Because of these errors, my escrow account was underfunded. I only learned of the shortage at my next annual escrow analysis, where my monthly payment jumped from {$1900.00} to {$2600.00} which is not affordable for me and my family. 
When I complained, they admitted the error and gave me a XXXX repayment plan for the shortage. I requested a XXXX plan, but they refused. The XXXX repayment plan made my payment approximately {$2300.00} which is still not affordable and unfair due to their negligence. I believe the shortage should be fully waived since it was caused by their servicing errors, not by my failure to pay. 
The new escrow Analysis also advise that my escrow shortage is {$7600.00} which is an additional {$2500.00} on top of the {$5000.00} that was mistakenly not paid. This additional amount doesnt make sense.

This situation has placed me under severe financial stress, and I believe my servicer violated federal escrow servicing requirements under RESPA by : 1. Misapplying escrow funds.

2. Failing to provide notice of changes to my monthly payment.

3. Improperly shifting the burden of their mistakes onto me. 


Requested Resolution : I am requesting that the {$7600.00} escrow shortage be waived and that my escrow account be properly recalculated to reflect what my balance would have been had my servicer correctly applied escrow funds. 

XXXX 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 2025-08-23 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: DISCOVER BANK
State: TX

Complaint narrative:
I purchased an Empire Tech Marvelous Signature Pro Skincare Revolution System from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, TX for {$1600.00}. The store represented it as a high-end luxury skincare device. Within XXXX hours, I found the identical product resells new for {$320.00} {$500.00} on reputable marketplaces. The product remained unopened, and my refund request was denied. 

I filed a dispute with Discover, but they dismissed it as a valid charge. While I authorized the transaction, this was merchant misrepresentation and deceptive pricing, not a fair or legitimate purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
They keep emailing and sending mail telling me about a credit card that I owe that I tried to dispute and it wouldnt let me they wanted the whole balance that I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went into Bank of America at the XXXX, North Carolina location. I have been to this location more than once to cash a XXXX check. Today I went to cash one for {$8300.00}. It was a withdrawal from my account for a down payment on a home, that needed to be done today. After standing at the counter for 30 minutes or more getting questioned repeatedly on what the check was for, from what XXXX account or company and whom I worked for, over and over again. I was then told that the check was not registering in the system and that usually XXXX XXXX would let them know that they have issued a check and to whom. Never told this before because I have cashed numerous XXXX checks there with no problem. Just recently in XXXX for {$8000.00}. Then Im told that the bank was having technical difficulties. After that the lady the teller called to sign off on the check in the beginning writes XXXX on the check and when I asked her why did she write on my check her response was for it to go back to the original person who issued the check. Why? Now I have deposited this check into my credit union account and if it doesnt get cashed Bank of America is responsible for writing on my check. I could clearly see both of the people reading off the information on my check with what was on the screen several times showing the check in the system. I feel like because I was XXXX XXXX with a large amount to be cashed they found a reason to deny it. This was disgusting to repeatedly say what the check was for and from whom in front of everyone in the bank. It was nobody elses business. Truly discrimination at its best. Never had a problem with any of the XXXX XXXX  tellers but the two XXXX  tellers/bank manager had an issue. I have never been so humiliated and embarrassed on top of having to explain this to the mortgage lender and potentially losing my mortgage approval. Do better Bank of America. I am well educated enough to know when Im being lied to along with being able to see the screen in the glass behind them.Just because Im XXXX XXXX doesnt give the right to grill me about the reasons and whereabouts of a check nor whom I work for. It was a Bank of America check. Issued by Bank of America and XXXX XXXX from XXXX New Jersey. Both of those employees are disgusting and next time they want to whisper about a check that comes from a customers XXXX, they could at least do it behind closed doors.

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