vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am writing to dispute the deferred interest charge of {$1600.00} applied to my account. I was never informed that failing to pay the balance within the XXXX period would cause all interest to be added retroactively. 

Had this been explained clearly, I would have made sure the balance was paid before the deadline. 

I am requesting a one-time courtesy adjustment and removal of the deferred interest due to lack of disclosure. Please review my account and confirm. 
Thank you

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 2025-11-21 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: MD

Complaint narrative:
I am submitting this statement to dispute the following accounts on my TransUnion credit report. I believe these entries may be inaccurate, and I am requesting that TransUnion reinvestigate these items and either correct or remove them if they can not be validated. 

CHARGED-OFF ACCOUNTS XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2700.00} LATE PAYMENTS XXXX, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
I am a consumer attempting to correct inaccurate or unverifiable information appearing on my credit reports. I am filing this complaint because I have already disputed these items with the credit reporting agencies, and the information remains unresolved or appears to be reported incorrectly. 

I am a consumer attempting to correct inaccurate or unverifiable information appearing on my credit reports. I am filing this complaint because I have already disputed these items with the credit reporting agencies, and the information remains unresolved or appears to be reported incorrectly. 

EQUIFAX ( XXXX ) Charged Off Account in Dispute : Creditor Name : NATIONAL Account Number ( last digits ) : XXXX Date Opened/Reported : XX/XX/year> Balance Reported : {$0.00} Reason for Dispute : This account is being reported as charged off, but I believe it is inaccurate and/or unverifiable. I request that Equifax provide proper documentation to verify the accuracy, ownership, and current status of this account, or remove it from my report if it can not be verified in full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: NY

Complaint narrative:
Pending other account with you.. I had gotten a written statement from Koalafi saying no worries account closed then I get a credit report stating my balance on this account increase by almost XXXX $? Are they even a legal entity? Cause non of them speak XXXX .. now they are trying to double dip on the American ppl and you all are allowing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX is reporting the same exact debt under multiple names Midland Credit, Midland Credit Management, and MIDLANDCRE all tied to Account XXXX with a balance of {$3700.00}. Duplicate reporting is illegal and violates FCRA 607 ( b ) and XXXX accuracy standards. 
I requested full validation more than 6090 days ago, and XXXX has failed to provide anything required under FDCPA XXXX ( b ). They have not sent : the original signed contract, the bill of sale or chain of custody proving ownership, itemized accounting from {$0.00} to the current balance, the Date of First Delinquency, proof of assignment, or any XXXX compliant documentation. 
Instead of validation, XXXX sent NOTHING. 
TransUnion, meanwhile, continues to update and report XXXX derogatory data without ever receiving validation, which violates : FCRA 611 ( a ) ( 1 ) failure to reinvestigate FCRA 611 ( a ) ( 3 ) improper dismissal FCRA 607 ( b ) failure to maintain accuracy FCRA 611 ( a ) ( 5 ) ( A ) unverifiable items MUST be deleted FDCPA 809 ( b ) collector must cease collection/reporting until validated XXXX standards XXXX duplicate, unverifiable, or inaccurate reporting XXXX also has a XXXX history of lawsuits and CFPB actions involving improper collections, inaccurate reporting, and failure to validate debts. This is the exact same behavior : ignoring validation requests and continuing to report derogatory information that they can not legally substantiate. 
For this dispute, all I have received are generic stall letters from TransUnion claiming XXXX working with a third party or that this is fraud/identity theft, even though I never claimed fraud and I never authorized a third party. These are stall tactics meant to avoid a lawful investigation. 
XXXX knows they can not verify this debt they have chosen not to respond at all, yet TransUnion continues to report it. 
This is a direct violation of the FCRA, FDCPA, and XXXX accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Received a XXXX from this email and this person see image below. This is fraud. 



XXXX XXXX via XXXX From : XXXX To : XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX AM XXXX A document has been sent for you to review and electronically sign. Please click the View & Sign Document button below to view and sign the agreement in your web browser. This invite will expire in XXXX Days.

VIEW & SIGN DOCUMENT All parties have completed Complete with XXXX : XXXX Release.pdf. 

Questions about the document? if you need to modify the document or have questions about the document, Please contact sender by emailing or calling them directly..

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 2025-11-21 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: FL

Complaint narrative:
I am a consumer attempting to fix inaccuracies on my credit report. Below are the accounts that I am disputing across the XXXX major credit bureaus : TransUnion. 

CHARGED OFF : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX COAF Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXXccount Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited an in-network hospital emergency room. All services were rendered during that single visit, and I did not receive any follow-up care or treatment elsewhere. All other providers involved in my care billed my insurance correctly and were paid by both my insurance and me. 

On XX/XX/XXXX, I received a letter from a collection agency called XXXX, stating that XXXX XXXX XXXX was attempting to collect {$1100.00} for services related to that XXXX emergency room visit. This was the first time I became aware of this balance. When I contacted XXXX by phone, I was informed that XXXX XXXX XXXX had been sending bills to an address I sold in XXXX address that was never associated with my insurance information. They asked me to submit this explanation in writing, which I promptly did. 

I did not receive any further communication after that. Then, on XX/XX/XXXX, I received a text message from a different collection agency, Capio, followed shortly by alerts from the credit bureaus indicating a drop of approximately XXXX points due to an unpaid collection account. I later learned that Capio had also been sending notifications to the same outdated address I sold in XXXX. 

To this day, I have never received an itemized bill for these services, nor have I received any proof that XXXX XXXX XXXX ever submitted the charges to my insurance. I had no knowledge of this alleged balance or any collection activity before it was reported to the credit bureaus. 

This is a charge I never saw, that was never properly billed to my insurance, and for which all communication was sent to an address I have not lived at for nearly XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment on XX/XX/XXXX and the payment was returned by my financial institution. This payment was for XXXX and on XX/XX/XXXX at XXXX a Capitol one representative told me to pay the XXXX again because it was returned and My credit card would be unlocked. I paid the XXXX again while the rep from capital one was present on the phone and was told to wait a day for processing. 

I followed her instructions because I had nothing in writing about the payment plan and today I was told that I would have to re-enter another 3 month payment plan after speaking with XXXX representatives from XXXX to XXXX on XX/XX/XXXX. 

I am being told that the XXXX will not be toward ls my payment plan which were paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. To me, this is stealing and also a XXXX of XXXX.... capital one is the only party with the contract but I know my rights and they are not in complaince with banking laws... 
PLEASE HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am writing to dispute the following inquiries on my Equifax credit report. These inquiries were made without my authorization or knowledge. I request that they be removed from my credit report. 

XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/year> at XXXX AM I used XXXX XXXX XXXX using ATM XXXX located at XXXX XXXX XXXX, XXXX XXXX I went to deposit {$3000.00} in their ATM using my XXXX XXXX XXXX ( unbeknownst to me I was not allowed to use XXXX atm ). The atm took the money, malfunctioned and then spit out a receipt stating my money has been retained and to contact my bank. I spoke with an agent at XXXX that same day and was told there is nothing they can do and to contact my bank. I contact belcos customerservice and was told to put in an atm dispute with my bank and once they investigation is completed and they do their Audits that following Monday, my money would be released to me. I filled my dispute with XXXX XXXX and was notified that Id receive a provisional credit in XXXX business day. I received a letter dated XX/XX/year> from XXXX XXXX stating my investigated is closed and there was not a billing error on their end. I called into XXXX federal the day I received the letter on XX/XX/year> and spoke with an agent. The agent notified me that the investigation is closed because XXXX XXXX is not associated with XXXX XXXX XXXX so they are not able to get my money back from their ATM. I then went to XXXX XX/XX/year> and spoke with an agent named XXXX. I requested to speak to the branch XXXX. Whom was not in office at that moment. XXXX took copies of my papers and ATM receipt to put in their system and told me hed contact me when there is a resolution. As of XX/XX/year> I still do not have my {$3000.00} and have not been given any help from XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Go Capital Holdings, LLC
State: IL

Complaint narrative:
On the day of XX/XX/XXXX, I went in to XXXX XXXX illinois jeep dealership to buy out my own lease that was going to end. They took my information and I told them do you need to run my credit and he said No he is XXXX XXXX XXXX at this location. After I gave him my information he told me I should just get a brand new car and I said NO i am not interested in buying a new car I want my own car that I have on lease. He goes away and I get a notification that my credit was run by numerous accounts i told him you did this and he said No that what was i getting was a mistake. The next day XX/XX/year> I am in my home at XXXX am I get another notification that they pulled my credit 2 times! Once again without my consent. I called him and he said it was a mistake with the credit reporting companys. I need help to fix all those inquiries he did on purpose because he was trying to sell me a brand new car. Without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I, XXXX XXXX acknowledges ownership of a credit card and seeks to resolve the associated debt, which has been transferred to a third party. Unfortunately, this third party has been unreachable, leaving the total amount owed unclear.I wish to settle the debt with a guarantee to pay a mutually agreed percentage by XX/XX/year>, in exchange for the removal of the credit card account from my credit history/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hi, please help me. i am coming to you with a huge problem i have been trying to resolve for over 6 months now and i have yet to receive any proof sent to my physical address of how this collection is mine. so now XXXX coming to you for your help to get this resolved before i have to waste any more of my time with this and get legal help. 
XXXX XXXX IN COMPANY this is what XXXX XXXX is stating i owe money to snd i dont know who the XXXX this is and i am tired of this already this is a huge violation of my rights and misuse of my credit report this is on transunion only and is hurting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
Got a loan for {$4400.00} on XXXX under the impression that if I pay it off in 90 days theirs no interest. I paid all the loan off except {$500.00} in 90 days and was calling to pay the last {$500.00} off on the XXXX day and my balance went up to {$1200.00}. I asked why to be told if I didnt pay the full amount due in 90 days I would have to pay interest on the whole loan. I told them I didnt agree to that and I didnt believe I signed anything like that to which they said I can read it to you. I told them I was told something else when I signed the loan. Anyway I asked them to see if we can fix this because it is unfair because I was mislead and I paid almost everything off and I can pay the rest off now even offering {$700.00} to fix it. They told me its against company policy. I asked for a manager and they said the same thing. I wasnt told this and was explained another way how it was going to be paid. I paid off the whole amount so they wouldnt keep charging me more. I was mislead and Im not the only one. After looking online they are doing this to everyone, putting everyone in debt. This is a company that has already been sued in Columbia and Massachusetts. They are here in XXXX XXXX Nevada now ruining American lives. PLEASE SEE THIS AND HELP STOP EASYPAY FROM HURTING ANYONE ELSE. You can see the complaints on XXXX XXXX XXXX and XXXX. Their is probably many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
XX/XX/2025 AND XX/XX/2025 Tried to pay and look at my account on line. They lock you out of your account. So you can't pay your bill, or look at the charges. They won't let you pay unless it is over the phone. I would like pay on the website before I pay my bill. never in my life have I seen something like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief