vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I made a purchase in XX/XX/XXXX with deferred interest until XX/XX/XXXX I made an additional purchase in XX/XX/XXXX I made payments to the first purchase and they applied it to both purchases I paid off the first purchase in XX/XX/XXXX, I was informed in XX/XX/XXXX that if I made a payment before XX/XX/XXXX I would not be charged interest I paid it off on XX/XX/XXXX and was still charged the interest I spoke to a supervisor in XXXX and was not informed that I needed to call back. 

I have been out with a total XXXX XXXX since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am disputing a derogatory American Express business credit card account that is being reported on my consumer credit report with a balance of {$2400.00}, status Closed Charged-off, and closed on XX/XX/XXXX. 

This account was opened on XX/XX/XXXX for the business XXXX XXXXXX/XX/XXXXXXXX ). I was only a 33 % minority shareholder and not responsible for all business liabilities. Another owner on the same business account had their own American Express card and incurred the charges that led to the charge-off. 

On XX/XX/XXXX, I legally transferred my ownership in the company through Articles of Amendment filed with theXX/XX/XXXX XXXXXX/XX/XXXX After that date, I no longer owned, controlled, or benefited from the business, and I did not authorize continued use or reporting of this account under my name. 

American Express continues to report this debt to the credit bureaus even though the charges were made by another cardholder, I did not benefit from them, and my liability should have ended when ownership transferred. I notified American Express and provided proof, but they did not correct the reporting. 

This is inaccurate reporting under the Fair Credit Billing Act and the Fair Credit Reporting Act. I respectfully request removal of this derogatory account from my consumer credit file. 

Please see attached documents. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this dispute because Experian is reporting inaccurate, incomplete, or unverifiable information on my credit file. This is negatively affecting my credit and needs to be corrected immediately. I am simply a consumer trying to fix my credit, and I am requesting a reinvestigation. 

INQUIRIES ( UNAUTHORIZED ) Experian is reporting the following unrecognized or unauthorized inquiries. I dispute these inquiries and request removal if they can not be verified : XX/XX/XXXXXX/XX/year> LATE PAYMENTS ( INACCURATE ) Experian is reporting late payments that are inaccurate or unverifiableXX/XX/XXXX Please verify these late payments or delete them if they can not be verified.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I financed a {$6000.00} XX/XX/XXXX through XXXX in XX/XX/XXXX. The 24-month deferred interest promo ended XX/XX/XXXX. At that time, my remaining balance was {$940.00}. I had called to pay it off, but their rep told me it wasn't necessary and I could continue paying installments. No one warned me about retroactive deferred interest. Then they slapped on {$2700.00} in interest. I've made consistent payments and even offered to pay the amount 10 days ago but my bank declined the transaction. 
Their agreement says they must notify you 45 days before the promo ends, but I never got that notice. I've tried resolving this by phone three times, and they keep hanging up on me. Three calls were made on XX/XX/XXXX and all 3 times I was hung up on. I informed them that a complaint would be filed and that I expected a call back within 24hrs I'm now formally disputing the interest charge and requesting it be waived due to their misleading information and lack of proper notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I made a large payment to credit cards reducing both my credit card balance and my overall balance, resulting in 5 % credit utilization. Subsequently my overall credit rating with Experian and Transunion DROPPED by 5 % instead of improving. 
I tried to initiate dispute with the companies, but they refused to take claims on the subject. 
I have a screen shot indicating that all metrics improved resulting in significantly reduced Credit Score.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple inaccurate accounts to have reported to my credit profile

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple inaccurate accounts to have reported to my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : Bankruptcy Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account No : XXXX Date Reported : XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Reported : 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The data reported in this item is incorrect and misrepresents my financial conduct. Please revise it to ensure accuracy.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company contacts me numerous times a day ( XXXX or more times ). I have tried blocking the contact number in which they call from but they call from different numbers each time. They will even contact me on the weekends. I have informed the company to stop contacting me and they still continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
Hello, Ive asked multiple times for and Amortization schedule that shows how much of my payments go to i interest and go to the principal, each time the representative acts as if they don't know what I'm talking about, I've had a work shortage in the last month, so i need to ask to get on a payment plan and the interest be removed, otherwise i won't be able to pay anything, i checked with the CFPB and this is a normal ask, i can't be reported to credit bureau this is and attempt to pay a debt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: UT

Complaint narrative:
First the lending agency changed ownership of my mortgage. I was not given any authority over this. From the beginning I have problems paying my mortgage. I used their website, entered my banking information and payments were not being taken from my accounts. I spoke with them and they told to try resubmitting. I do so, with the same problems. This caused my first payment to become delinquent. After this payment was made I was now already behind in my payment schedule due to issues with their website. Then the government shutdown happened. As a federal service employee I had a new problem paying my mortgage. I communicated well ahead of time about the issues I was going to face in thw time ahead. Despite receiving many letters stating to contact them for assistance if you are having difficulty making a payment, they offered no help when called. I called several times. They later stated they were bound by the conditions of the VA loan and that no guidance had been given by the VA, about the shutdown. I contacted the VA, and found this was untrue. Every option to help was available to lending institutions to offer help to veterans. I called XXXX XXXX back and told them this. They said they had been given no guidance and would not help. 
As the government opened back up and I began receiving regular paychecks again, I began to make incremental payments to catch up ( a month 's worth at a time ). I spoke with a representative a couple of weeks ago that took a partial payment ( with late fees of course, despite having regular open communication with them about my situation ). They said at that time they would take the next months payment ( with the fee waived this XXXX time - as they were allowed to waiver XXXX late fee during the entire duration of the 30 year mortgage ) when I received my next paycheck ( which is now ). So I contacted them today and they would not honor this partial payment. They wanted the entire amount due ( 2 months worth ) plus some other type of administration fee that I had never heard of, agreed to, or was otherwise XXXX warned about previously. I told them I had only enough money in my account to make the agreed upon payment. I asked them to review their notes and/ or listen to the recorded phone conversation. The representative said it did not matter, that no agreement could have been made. She also said she was a supervisor and refused to let me talk to anyone else or provide with contact information for anyone else. 
I have called this company many times for assistance and have been met almosy exclusively with resistance, " no '' XXXX and fees. 
I have no idea where to turn for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER XXXX U.S.C. XXXX ( A ) AND XXXX ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Your agency is in violation of the FDCPA deceptive practices. I am a victim of identity theft, which was made clear to the original creditor of the account. They apparently proceeded to sell you a false account and now have you at risk of litigation. Also, I didn't receive a certified dunning letter to even dispute this to let you guys know it was a fraudulent account. Your agency has multiple violations I can litigate for at this moment.

Company response to consumer: Closed with explanation