vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-06-27 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: FL

Complaint narrative:
According to the fcra section 6/2025 605b. It is illegal to report any information on my Credit Report profile without my permission. 
Please remove this negative item from my Credit Report. 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 non-monetary relief
Consumer complaint received 2025-06-27 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: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
On XX/XX/XXXX, I had submitted a dispute to Current Bank for five different charges ( {$200.00}, {$200.00}, {$200.00}, {$300.00}, {$400.00} ) that appear to be from a single entity totaling {$1300.00}. The evidence that I had provided to them was a dispute case that had been settled as successful from my other financial institutions debit card, XXXX, that unfortunately the same entity had happened to get ahold of. On XX/XX/XXXX Current Bank incorrectly filed my dispute case with them as denied, meanwhile I have never done business with the entity that charged me {$1300.00} in fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Applied in store to received discount on merchandise. Did not receive either card or bill for over a month. Meanwhile, I returned {$120.00} worth of goods of the total {$200.00} originally charged within a few days of purchase. First bill received by mail charged {$35.00} in " fees '' despite showing the {$120.00} credit. No Interest charged. Immediately paid the {$110.00} bill which included the exhorbitant fee. On XX/XX/XXXX I signed up for email bill to avoid the {$3.00} additional charge for the paper bill, but paid the paper bill in full including the late fee and paper bill fee. Today, XX/XX/XXXX, received the second bill by email with another charge for {$3.00}. I could not contact XXXX through either XXXX website or customer service phone or through Commenity Bank website or customer service phone. I want to cancel the card and protest all of the fees and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: White Jacobs & Associates
State: FL

Complaint narrative:
The company was not promised their promise. Not professional. Not nice. Not kind. They're unprofessional. They're uneducated will never ever deal with them again I send documents every time got mail credit bureaus nothing was removed or fixed My XXXX XXXX went down tremendously XXXX to XXXX points. When I started with them I was in the high XXXX now at XXXX and XXXX XXXX please look into this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit limit is {$200.00}. I never go above that amount. XXXX XXXX ago I payed {$30.00} and to over payment of {$170.00}. The last one was returned. The next month I payed {$150.00}. I was upset to find out that my previous bill had a balance of {$300.00}. I filed a claim for unrecognized charges and they never removed the over charges. I paid {$150.00} in good faith that this bill will be the most {$48.00}. Instead I got a bill for {$210.00}. I filed a claim and I requested for a copy of the bill to find out what the charges were for. I only got a bill with total due and no detailed information fir the reason of these charges. Not only did they not honored my claim but they expect me to pay {$210.00} and this has affected my credit. It us being reported {$16.00} over my credit limit. This to me it is an act of retaliation for my previous claim about inaccurate credit reporting. Please refer to my previous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have mailed in multiple letters to get items removed from my credit report that were not mine. I have asked for very detailed information for how they got the information, from whom they got the information from etc. I have not received in detail anything that I asked for. I have proven that the items were not mine and yet they have changed the information to make it look like the items listed belong to me. Per my many disputes, items have not been removed that have either reported information inaccurately or are simply not my debt.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have mailed in multiple letters to get items removed from my credit report that were not mine. I have asked for very detailed information for how they got the information, from whom they got the information from etc. I have not received in detail anything that I asked for. I have proven that the items were not mine and yet they have changed the information to make it look like the items listed belong to me. Per my many disputes, items have not been removed that have either reported information inaccurately or are simply not my debt.

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 2025-06-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a CareCredit ( Synchrony Bank ) account in XX/XX/XXXX with a XXXX deferred interest promotion. I made all minimum payments on time. I recently noticed {$990.00} in deferred interest was added to my balance because I had not paid off the promotional balance in full by the expiration date ( XX/XX/XXXX ). 

I was told by customer service via live chat that I could still have the over {$990.00} interest waived if I paid {$2100.00} by XX/XX/XXXX. However, after reviewing my account, they updated the required payment to {$2400.00}, stating it included all remaining balances and expired promos. 

I asked multiple times for a final payoff amount that would bring the account to {$0.00}, including all interest and penalty charges. They refused. I spoke with a supervisor, and even they confirmed : We do not know what is the final amount you need to pay to bring your account to {$0.00}. 

They also stated : There will be penalty charges on XX/XX/XXXX which can not be removed, yet refused to calculate or disclose the amount ahead of time.

This means Im being asked to pay {$2400.00} but without knowing if it will actually close my account or if I will still owe more later. All dollar amounts in the live chat were encrypted, so I have no written record of what I was quoted. 

This lack of transparency is unfair and misleading. I am trying to pay in good faith, but the company is : Refusing to provide a clear final payoff Refusing to calculate future charges Masking financial details in transcripts Pressuring me to pay without confirming full resolution My CareCredit account is issued by Synchrony Bank and ends in the last XXXX digits : XXXX. If needed, I can provide the full account number upon request.

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 2025-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Better Mortgage, Inc.
State: WV

Complaint narrative:
On XX/XX/year>, I locked in a HELOC at a starting rate of 5.125 % and was advised that an appraisal would be required as part of the approval process. I paid {$550.00} on XX/XX/year>, for this service, expecting a licensed appraiser would physically inspect the property. 

No appointment was scheduled. No contact was made. No physical appraisal was performed. 

Despite this, I received an Adverse Action Notice stating my application was denied because the appraisal value was too low for the loan terms requested. This outcome is troubling, as no appraisal took place to support such a decision. If the valuation was based solely on automated or indirect methods without proper disclosure or consent, this raises serious concerns about transparency and fairness. 

Thank you for your time and attention. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Yes, I tried to contact Continental Finance ( issuer of the FIT Mastercard ) directly to resolve this issue. I attempted to send a complaint to their email address, but they have set up a mail server policy that blocks consumer messages entirely. 

I am submitting a formal complaint against Continental Finance Company ( issuer of the FIT Mastercard ) for deceptive credit practices, predatory lending structures, and deliberate obstruction of consumer communication. 
Not only does Continental Finance : Use XXXX XXXX instead of XXXX on all statements, deceiving cardholders into thinking its a lender-usable score ; Charge excessive APRs ( 35.9 % ), junk protection fees, and aggressive interest on minimal balances ; Provide no accessible or transparent dispute or correction system ; They also now intentionally block all email communication from consumers, as evidenced by their mail server rejecting my attempt to contact XXXX. 

See attached screenshots for proof that my message was blocked due to their CFC security policies using a custom mail flow rule. 

This is an intentional move to silence any consumer that dares to speak up. This is not a technical glitch this is corporate censorship. 
I received an automated rejection from their system with a mail flow error, proving that they are intentionally preventing contact from cardholders. 

My issue is that they are showing my credit score using XXXX XXXX, not the industry-standard XXXX XXXX XXXX  used by lenders. This is misleading and affects my ability to apply for real credit products. Their credit practices, combined with predatory fees and deceptive score reporting, are harming me financially and psychologically.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next 15 days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief