vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Month after month since they closed my account due to a financial error between XXXX XXXX XXXX XXXX and my Sam 's Club Account around XXXXXXXX XXXX XXXX Synchrony bank decided to close down my Sam 's Card, Care Credit Card and my Amazon Credit Card. 

I can never access on line since they closed out the account. It is they who have stopped me from this... 

Every month I am assured they will stop sending paper statements, but they do not. So they keep charging me {$1.00} for this service. I am on the auto pay program to pay off this balance within the time frame I am allowed due to contractual agreement. 

Today XXXX, they tell me that the request for reversal of this fee can not be done since I already received the statement - same story every month to charge a bogus fee of {$1.00}.

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 2025-10-20 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a medical credit card through a XXXX XXXX XXXX XXXX XXXX ]. The card is issued by Commodity Capital Bank. When I signed up, the XXXX  told me my monthly payments would be around {$150.00} with no interest. I was never told that there was a limited promotional period or that I had to pay off the full balance by a certain date to avoid interest.

Recently, I discovered that the bank added {$1000.00} in interest to my account, claiming that the promotion expired and that interest was applied retroactively from the date of purchase, not from the end of the promotion. This was never explained to me, either verbally or in writing. 

I contacted the bank to explain that I was misled and asked for a review or reversal of the interest, but they refused to adjust or negotiate anything. I believe this is a case of misrepresentation and lack of clear disclosure. 

In addition, I have been unable to access any account information online. When I try to register on their website, it keeps saying my phone number is invalid. Because of this, I can only see my balance and minimum payment due there is no visibility into my payment history, promotional period, or interest details. Every time I need clarification, I am forced to call customer service, which is extremely inconvenient and unclear. 

On other medical credit accounts, such as XXXX, I can easily view the promotion time, remaining balance, and payoff details, and they do not apply interest retroactively from the purchase date. Commodity Capital Banks system and communication practices have been confusing and nontransparent.

Given all of this, I believe a fair resolution is the full removal of the {$1000.00} interest charge, restoration of the no-interest terms, and clearer online access to my account information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: FL

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 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 2025-10-20 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:
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 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 2025-10-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I tried to get more information for amounts that I verified were incorrect and they did not provide the correct detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-20 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Equifax,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the Equifax data breach of 2017, in which the personal information of over XXXX XXXX XXXXsincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as the XXXX XXXX  breach exposing over XXXX XXXX passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in DisputeXXXX 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\n\nAccording to the FCRA:\n\tYou must complete your reinvestigation within XXXX days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within XXXX  days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleteXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Previously disputed on XX/XX/year> and nothing that was stated has changed but the followig : Inaccurate and contradictory reporting, date inconsistency, contradictory status information, and incomplete reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

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 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 2025-10-20 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:
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 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 explanation
Consumer complaint received 2025-10-20 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: NY

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 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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding and Resurgent Capitol and now XXXX XXXX XXXX  are trying to collect a debt for a XXXX XXXX XXXXXXXX XXXX XXXX that has already been paid. I have worked with XXXX XXXX and XXXX  to get this off my credit report and they finally got a hold of the original debt collector XXXX XXXX XXXX to get this off my credit. I was previously working on payments of the debt with XXXX XXXX on behalf of LVNV and resurgent because I panicked because I didnt want to owe anyone but then realized that I had paid this debt off previously with another collector. Today I was sent a XXXX XXXX statement as I requested from Resurgent like I had asked but it was very vague. I am requesting that resurgent take their account off my credit report and stop trying to collect on a debt I already paid. I would also like to know why when I was making regular payments with XXXX they decided to stop that and have XXXX XXXX XXXXXXXX as well as another collector call me for the same debt I was paying. It is an issue because I have no idea who was a legit company and who was not. Today is the first day I have gotten any written communication from Resurgent and I have never gotten any written communication from LVNV. I am asking the CFPB to please look into the debt verification letter and also at the XXXX screenshots of my credit report showing I paid XXXX XXXX XXXX  for the same one that is now on my credit as LVNV

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: 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 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 2025-10-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to cancel my gym membership with XXXX XXXX XXXX multiple times. I sent a cancellation email on XX/XX/XXXX, and called their customer service over XXXX times. Their phone system never connects to a live representative, and the Contact Us page on their website leads to a forbidden error page, making cancellation impossible. 

I previously disputed a charge from this same merchant with American Express in XXXX and won that dispute. Despite this, the merchant charged my card again in XXXX for {$230.00}. I have now requested Amex to place a permanent block on the merchant, as this is a repeat unauthorized charge. 

I believe Amex should not allow further billing from this merchant, and I request a refund for this charge. I have documented all cancellation attempts, emails, and screenshots of the error page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains serious inaccuracies that fail to meet the standard of maximum possible accuracy. These errors have caused significant distress and continue to negatively impact me in ways that are deeply concerning.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
During pandemic i lost Job. Capital had pandemic payment plan. Once employed in 2022 i called to update my new address due to new employment. I have two XXXX cards with XXXX XXXX. I always had them on auto debit. I asked for that as well the rep set up one account with new address and auto pay and not the other. First payment after call both payments came out my bank account. Next thing i know im being served court papers from a collection agency. I went to court, judge threw out due to no show by Capital One or collection agency. I disputed directly with agency that it was Capital One fault as rep didnt update both accounts. Capital One has been taking payments out my account automatically since 2022. But when i call the ivr automatically transfers me to collection agency. Noone can explain how the same bank debit is going DIRECTLY to Capital One but my account is with collection agency! The agency stopped calling me because they know Capital One is taking my money. This is illegal. How am i to view my balance on app going down but I cant talk to anyone at Capital One??? How am i being sued by a collection agency in XXXX Ga when Capital One is taking my money monthly? I finally called as if i was a new customer i was transferred multiple times. Last rep said he could no longer speak since i mentioned l was recording the call. Yet clear disclaimer in XXXX Capital One is recording calls?!?!? But i cant record on my end????? I asked for management. XXXX XXXX XXXX transferred me to a ghost queue that i have been on hold for almost 2 hours now. I LOVED Capital One. They were good for building credit and good for rewards. I referred multiple people. But now they have RUINED my credit and still taking my money but sent me to collection agency???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

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 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