vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-08 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My first day with TD I deposited CASH and it wasnt available in my account for over 4 days. Over 10 days ago I travelled to XXXX and the bank restricted my account after I sent a XXXX. I verified all my information on the phone and they told me I had to come to a branch. After 2 days they gave me access again. After this randomly my account was restricted and I was unable to access my account in a foreign country and they said I need to go to a branch. I was stranded!!!! I couldnt check into my hotel and couldnt purchase food. 10 days later after going to a branch Im still locked out of my account with no access to my funds even after verifying my identity TD BANK IS TERRIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX XX/XX/XXXX. I was a tenant since XX/XX/XXXX. I was a fixed income program and was told my rent shouldnt not increase. XX/XX/XXXX I made property manager aware of financial hardship. No resources were provided. Regional manager was contacted. Rent went from approx XXXX to XXXX. No upgrades or repairs made to a unit occupied for move than 10 years. Sc housing laws state the XXXX rent can increase in this situation is 7 %, no 90 day notice received and should only be increased once in a 12 month period not twice. I made property manager aware of XXXX with no accommodations. I received rude unprofessional calls from regional manager. I felt targeted. There was a notice on my car to tow while my registration status was up to date. I filed a police report XX/XX/XXXX after my apartment door was found left open after property maintenance entered my unit. {$2000.00} cash and over {$6000.00} worth of person items stolen. Property management never addressed the issue. I never received a bill, confirmation of debt or right to dispute. Collections discovered on credit report. Consent to distribution my personal information or account details never received. I did not give permission to share account to a third party. No attempts made to resolve any remaining balance by property post move out or prior to transferring account to a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Im writing regarding Zelle handling disputes .despot me using Zelle several times and reporting discrepancies and to my financial institution failed to investigate my claims .I was informed that several lost funds was impossible to track and infeasible. Zelle had neglected to protect consumers and allowed repeated offenders scammers to exploit the system leaving millions venerable including myself to these scams. The lack of accountability and transparency is very unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I opened a Lowes/Synchrony Account. 
On XX/XX/XXXX I made my first payment. I called immediately to allocate payment in excess of minimum monthly payment to the Regular Deferred Interest transaction titled Regular Deferred Interest with Pay promotions. 

I called in again on XX/XX/XXXX to allocate payment in excess of minimum monthly payment to the Regular Deferred Interest transaction titled Regular Deferred Interest with Pay promotions as requested payment from prior month were not allocated according to my request. 
I called in every month. Sometimes they got it right, most times they did not. 

Minimum Monthly Payments totaled : XXXX Additional Monthly Payments Made Totaled : {$9200.00} Only {$4600.00} of the additional monthly payments made were allocated in accordance with my requests. 

According to Lowes my balance for Regular Deferred Interest transaction titled Regular Deferred Interest with Pay promotions is : {$4500.00} Deferred Interest Charges total : {$1700.00} Total Amount due XX/XX/XXXX : {$6300.00} I believe that Lowes/Synchrony is guilty of Deceptive Bargaining in that the difficulty allocating payments to avoid retroactive interest. I have seen that Lowes/Synchrony allocates payments in a way that prioritizes high-interest purchases ( 1.99 % interest ) to avoid timely payoff of purchases that have retroactive interest if not paid within the time limits given. 

I have ensured the payments were timely made. 
I set up a schedule and made extra payments to ensure Regular Deferred Interest with pay would be paid in full long before the respective due dates. 
I have spent at least 25 hours on the phone trying to allocate the payments so that the retroactive interest transactions are being paid timely to avoid the retroactive interest. 
I called in every month; wrote letters ; called customer service and still payments were not allocated according to my requests. Additionally, during my last call on XX/XX/XXXX at XXXXXXXX XXXX the representative advised that With Payment No Interest did not need to be paid first ; however, information on statements shows these items were allocated to first.

I believe what Lowes/Synchrony is doing to me and other consumers is considered unfair billing and violates consumer protection laws according to the CFPB website.

I have tried to work with Lowes/Synchrony to no avail. I do not believe that I am the only individual facing these unfair billing practices and being put in a whole so deep climbing out could be impossible for consumers. 

Had Lowe's/Synchrony allocated my additional payments to the Regular Deferred Interest with pay, my balance would be {$430.00} due no later than XX/XX/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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( XXXX XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing XXXX This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action.

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
Im writing to formally express my concerns about Chimes handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous of times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I'm leasing a XXXX XXXXXXXX XXXX this car lost {$14000.00} in value 4 months after purchase. Company offering leases starting now at {$230.00} with {$2000.00} down. I paid {$5000.00} down and I'm paying {$700.00} dollars a month company will not retro or re-lease vehicle its been a year. I don't think this is right. I've been leasing with this company for over 4 vehicles now and was always offered to re-lease for a different vehicle now they are saying I can't. I don't think its right that these vehicles are going for three-times less than what I'm paying. I don't feel that I should be responsible for the vehicles depreciation except for the use. I tried to talking to the manager but they have been giving me excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( XXXX XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing XXXX This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action.

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
Inaccurate accounts are currently showing up on my credit report and I am kindly requesting for help to investigate them. I have also attached my documents about this issue.

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 2025-10-08 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: TX

Complaint narrative:
Im really pleading for help because the inaccurate accounts are still appearing on my credit reports and havent been taken off. Im kindly requesting that you go over the documents Ive attached carefully.

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 2025-10-08 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: TX

Complaint narrative:
i'm a victim of experian lawsuit that the cfpb have against them the are reporting unverified information to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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