vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is the letter I sent to CareCredit : I am writing regarding my CareCredit account and the recent addition of deferred interest charges totaling {$1600.00}. I am requesting a full review of my account and the removal of these charges based on the circumstances outlined below. 
On XX/XX/XXXX, I financed a balance of {$2500.00} through my dentists office. Since that date, monthly payments have been automatically deducted from my credit card, and I have never missed or been late on a payment. 
In XX/XX/XXXX, after purchasing a new XXXX and reviewing my apps, I noticed unexpected activity on my CareCredit account. I saw that the payoff amount was {$1900.00} on XX/XX/XXXX, and then the balance jumped to {$3500.00} on XX/XX/XXXX, reflecting a sudden interest charge of {$1600.00}. 
After researching the issue, I learned for the first time that there had been an XXXX promotional period requiring the balance to be paid in full to avoid deferred interest. At no time was I informed of this by my dentists office, nor did I receive any emails, mailed notices, or other correspondence indicating the promotional deadline or warning us that a 36 % interest rate would be applied retroactively. I called CareCredit immediately upon finding out about the interest payment being applied, and spoke to XXXX different levels of management, all who informed me that there is absolutely nothing they can do for me and that I should have known to look in my spam folder for their emails. 
Despite making consistent monthly payments for nearly XXXX years, this lack of communication resulted in an unexpected and substantial interest charge that I was not reasonably made aware of. Had I known about this interest being applied, I would have immediately paid off the balance before the XXXX  months was up ( I have the money in an XXXX account to pay it off ) before incurring the hefty interest amount ( almost double the original amount of the loan! ) In good faith, I am willing to pay the interest accrued for XX/XX/XXXX through XX/XX/XXXX, along with paying off the remaining balance of {$1900.00}. However, I respectfully request that the {$1600.00} deferred interest charge be removed from the account. 
I have been responsible and timely in all payments, and I hope Synchrony will consider this request based on the clear lack of notice and misunderstanding regarding the promotional terms. 
Thank you for your time and attention to this matter. I respectfully request written confirmation once the review is complete.

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 2025-11-29 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-11-29 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-11-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
Your recent communication included an account ledger ; however, the documentation provided is incomplete and inconsistent. The ledger contains chronological irregularities : XXXX sequence ends at XX/XX/XXXX through XX/XX/XXXX, followed by an unrelated entry from XX/XX/XXXX through XX/XX/XXXX, and another restart dated XX/XX/XXXX. 

The amounts listed are inconsistent with the original alleged balance your agency previously quoted. Your original balance was approximately {$8000.00}, yet your ledger has a balance of {$3200.00}. It never states the beginning balance amount. 

I obtained a credit notice from a different collection company regarding this same alleged account, originating from XXXX, with a different ( lower ) balance of {$6800.00} dated XX/XX/XXXX. 

The collector has provided records that are incorrect, inconsistent, and conflicting, and I dispute the validity and accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: NY

Complaint narrative:
I never gave any permission for my account to be sent to Mohela. It was in good standing with the US Dept of Education but due to politics was given to mohela. They marked my credit report with a non payment notice for each of my student loans significantly effecting my score and ability to live yet alone to pay them back. They have called 100s of times even after negatively marking my credit. Ive asked them to stop calling but they still do anyway. This week alone theyve called me at least 15 times including on holidays. They lie and say that what theyre doing isnt illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Issue type : Credit reporting / Unauthorized credit inquiry Credit bureau affected : TransUnion Date of unauthorized inquiry : XX/XX/year> What happened ( primary complaint narrative ) I am filing this complaint against XXXX XXXX XXXX XXXX for an unauthorized XXXX  credit inquiry placed on my TransUnion credit report on XX/XX/year>, despite the fact that I never applied for credit, membership, or any financial product with XXXX XXXX. 

I am a documented victim of identity theft and have attached my official FTC Identity Theft Report, which explicitly lists this XXXX XXXX inquiry as fraudulent. 

XXXXXXXX XXXX IDTheftReportXXXX After discovering the inquiry, I contacted XXXX XXXX XXXX XXXX directly. I was informed that even though the inquiry was unauthorized, XXXX XXXX refused to remove it and instead instructed me to contact TransUnion. 

I then contacted TransUnion, who advised me that the inquiry must be removed by the furnisher, XXXX XXXX XXXX XXXX. I am now caught in an unacceptable and unprofessional loop where both parties are deflecting responsibility, despite clear documentation of identity theft. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681b Permissible purpose 15 U.S.C. 1681c-2 Identity theft protections 15 U.S.C. 1681s-2 Furnisher duties to correct and update information Once a furnisher has actual notice of identity theft supported by an FTC report XXXX they are required to cease reporting and correct inaccurate information. XXXX XXXX refusal to act after being placed on notice is non-compliant and harmful. 

Why this is a problem The inquiry was not authorized I provided federal identity-theft documentation XXXXXXXX XXXX acknowledged the lack of authorization XXXX XXXX still refused to take corrective action TransUnion and XXXX XXXX are pointing the responsibility back at each other My credit profile is being actively harmed as a result This should not be the consumers burden once fraud is proven.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WHEN I XXXX  OPENED MY CHECKING\SAVING, I WAS ATTENDING COLLEGE WITH ONLY XXXX AS MY ONLY SOURCE OF INCOME..... THE ACCOUNT XXXX  REQUIRED ME TO HAVE {$500.00} DAILY BALANCE....... SINCE XXXX  THEY HAVE CHARGED ME ABOUT XXXX  TIMES WITH A SERVICE FEE OF {$10.00}

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
I requested a copy of my credit report from these XXXX major credit reporting agencies : XXXX, XXXX, XXXX  According to the information listed on my credit reports there are XXXX collection accounts with the same account information but different amounts. I asked the company to remove them unless you can provide my signature requesting these loans from your organization. They mailed a letter with different account numbers not matching what is showing on the credit reports. This is even more confusing due to the fact the loan information is not a company that I do business with. 

The inaccuracies include but are not limited to : XXXX. Account Status Discrepancy : Oliphant USA LLC has chosen to report on the account that was opened on XX/XX/year>. Please provide the following information : A complete Bill of Sale from the original creditor showing the transfer of ownership of this account. 
XXXX. A forward Flow Agreement ( or other purchase agreement ) governing the alleged sale of debts, including terms under which this account was transferred. 
XXXX. The full chain of title or assignment, documenting every transfer of ownership of this account from the original creditor to the present plaintiff. 
XXXX. A copy of the original signed application or contract bearing my signature. 
XXXX. Complete account level documentation including statements, payment history, and charge off details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously held a Citi credit card that became blocked pending documentation. Citi requested that I submit specific documents, which I provided on time. Despite fulfilling all requirements, Citi proceeded to close my card without explanation. This has caused unnecessary inconvenience, especially since I fully complied with their verification process.

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 2025-11-29 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: VA

Complaint narrative:
Equifax failed to comply with the FCRA in responding to my disputes and FTC Identity Theft Report. Despite full identity theft documentation, Equifax allowed fraudulent accounts, unauthorized inquiries, and inaccurate derogatory marks to remain on my report. 

Equifax violated : FCRA 605B Mandates the bureau block fraudulent information within 4 business days of receiving an identity theft report. This is not optional.

FCRA 611 Failure to conduct a meaningful investigation ; Equifax relied on automated, superficial verification processes.

FCRA 607 ( b ) Failed to ensure accuracy and integrity of consumer report data.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting information that furnishers could not validate or verify.

Equifax continued reporting : Fraudulent collections Inquiries without permissible purpose ( a direct violation of FCRA 604 ) Inaccurate late payments Accounts lacking proper documentation These items damaged my creditworthiness and caused ongoing harm. Under federal law, Equifax was obligated to immediately block and delete these items upon receiving the FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX To : Equifax XXXX XXXX  XXXX XXXX, GA XXXX Dear XXXX Department, I am submitting this * * formal and urgent dispute * * regarding multiple * * fraudulent, unauthorized, and inaccurately reported accounts * * on my credit report. I did * * not * * open, authorize, or recognize any of these accounts. I have filed an * * official Identity Theft Report * *, and these fraudulent accounts are causing * * severe harm * * to my personal life, financial stability, and employment. Immediate action is required under federal law. 
ACCOUNTS IN DISPUTE Creditor Name Reported Date XXXX  XXXX XX/XX/XXXX CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FEDERAL LAWS REQUIRING IMMEDIATE REMOVAL OF FRAUDULENT OR INACCURATE DATA FCRA 602 Guarantees fair and accurate reporting.

FCRA 603 Protects identity theft victims.

FCRA 609 Requires full verification of disputed accounts.

FCRA 611 Requires 30-day reinvestigation and deletion of unverifiable items.

FCRA 612 Entitles consumer to a free updated report after corrections.

FCRA 605 Requires removal of outdated or incorrect information.

FCRA 605B Requires blocking of fraudulent accounts within 4 days.

FCRA 607 ( b ) Requires maximum possible accuracy.

FACTA Provides identity theft protection.

FORMAL DEMAND FOR ACTION Under federal law, I request : 1. Immediate deletion of all fraudulent and unauthorized accounts.

2. Permanent blocking under FCRA 605B.

3. Full account verification under FCRA 609.

4. A free updated report under FCRA 612.

5. Written results of the reinvestigation. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: HI

Complaint narrative:
My complaint is against XXXX companies, XXXX XXXX XXXX  who initiated the {$3000.00} loan and assumed I would sign their contract accepting their loan. However, it's not just the charged fees and interests I'm refuting, but the whole entire loan to begin with. It felt deceitful and weird, so I took my time to read through their contract line by line. I did not like their terms and conditions. 

After reading their contract, I absolutely was NOT going to agree to their terms and sign for the loan. I REJECTED the loan!! However, not only did XXXX XXXX process the loan withOUT my signature, their financial institution Affirm processed the loan withOUT verifying my signature was on record as well. Now they are saying I am responsible for the loan and need to pay or they will send to collections. This has been ongoing since XX/XX/year>. I have written and spoken to people from both XXXX XXXX and Affirm numerous times, filed XXXX disputes with Affirm and Affirm always rules in merchant favor. 

XXXX from XXXX XXXX admitted to me by telephone on XX/XX/year> at XXXX XXXX that THEY made a mistake processing the loan without my signature. Yet they did NOTHING to help me fix it. XXXX promised he would call back with a follow up the following Monday after speaking with his team. He ghosted me and left me hanging with Affirm harassing me every day with phone calls and emails. Affirm is threatening to send the loan to collections. Meanwhile, XXXX XXXX took money ( {$3000.00} ) from someone ( Affirm ) on my behalf without my permission, basically THEFT! Through deceit. 

Looks like XXXX XXXX is the ones who owes Affirm back the money that they took without permission. XXXX XXXX needs to refund Affirm! 

I never approved the loan! 

I never accepted the loan! 

The loan was REJECTED AND DECLINED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint because a bank and a credit bureau are reporting a closed business account under my personal Social Security XXXX, even though I am not the owner of the business and have not been since XX/XX/year>. 
The account is a business account and I am not personally liable. The bank stated they " can not transfer liability, ' but the issue is not liability it is inaccurate reporting under my personal SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I dealt with an issue over the summer that occurred on XX/XX/year>. A few days before I was the victim of someone gathering my credit card information for my Best Buy Citi card. On XX/XX/year> someone made a purchase for over {$150.00} and I disputed it. I contacted Best Buy to dispute it as well as the park where the purchase was made, XXXX XXXX ( amusement park ). It was found that I was still responsible even though someone used my information and was unauthorized and I was told to use better judgement when putting information in for services. Everything was resolved until a few weeks ago I got a notification that I have a derogatory remark on my credit report that XXXX dispute resolved- consumer disagrees. I have requested for this to be removed and XXXX XXXX will not remove it. It has the ability to impact my ability to get credit. I felt like the experience had been resolved and all was okay, but Best Buy continues to want to fight this and smeer my name. I understood the person I talked to on the phone and do not want that I didn't agree to be reflected on 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 non-monetary relief
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
I dealt with an issue over the summer that occurred on XX/XX/year>. A few days before I was the victim of someone gathering my credit card information for my XXXX XXXX XXXX card. On XX/XX/year> someone made a purchase for over {$150.00} and I disputed it. I contacted XXXX XXXX to dispute it as well as the park where the purchase was made, XXXX XXXX ( amusement park ). It was found that I was still responsible even though someone used my information and was unauthorized and I was told to use better judgement when putting information in for services. Everything was resolved until a few weeks ago I got a notification that I have a derogatory remark on my credit report that XXXX dispute resolved- consumer disagrees. I have requested for this to be removed and XXXX XXXX will not remove it. It has the ability to impact my ability to get credit. I felt like the experience had been resolved and all was okay, but XXXX XXXX continues to want to fight this and smeer my name. I understood the person I talked to on the phone and do not want that I didn't agree to be reflected on 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 2025-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MS

Complaint narrative:
XXXX  was XXXX XXXX  years ago I know I requested Info to consolidate but I can't remember

Company response to consumer: Untimely response
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
US Bank has frozen my account and both the branch XXXX and the XXXX department refuse to provide a written explanation, legal basis, or timeline for the hold. 
They claimed the freeze is for fraud protection, but they refuse to tell me what transaction is suspicious and yet have frozen my accounts of all transactions. 
This is an unfair and deceptive practice. 
I request immediate regulatory assistance to access my funds, obtain a written explanation, and escalate this to the compliance/AML department 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