vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In the spring of XXXX I had XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX  The surgery was just fine and I am happy with the results. The cost of the procedure was approximately {$2700.00}.

During that lead up to the procedure, I was told that it was better if I used CareCredit rather than pay with cash or credit card and that if just made the payment stipulated on the website I would pay off the debt without penalty or interest. As a point of clarification I was happy to pay cash and had sufficient funds to do so. 

I took the advice of my healthcare provider and setup the CareCredit account. XXXX setup the stipulated payments online and thought nothing more of it. 

I recently ( XX/XX/XXXX ) found emails in my spam box from CareCredit and I went online to check my account. There I found out that I still had a balance of greater than {$2500.00} and that I had been subjected to an interest rate of as high as XXXX XXXX for almost 5 years. Put another way, I have been making monthly payments for almost 5 years and have paid the balance down less than {$250.00}. 

I reached out to customer service to explain that I was surprised by these results and that I was happy to pay off the balance but that I requested some remediation or middle ground around the roughly {$3000.00} of interest that I had paid. I politely escalated the conversation to higher levels until I was told that no adjustment would be made to my account. 

With all that said, I write today to complain about deceptive marketing practices and usury interest rates perpetrated by CareCredit. I take responsibility for my lack of attention to detail, but I would like to come to a negotiated solution regarding some middle ground with respect to the outrageous amount of interest charged on my account. If nothing else, I hope the marketing practices can be brought in to focus so that other consumers do not fall into the same usurious trap that I have.

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 2025-05-07 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I called The Stark Agency to dispute a debt they were attempting to collect in the amount of {$470.00}. On XX/XX/year>, I followed up with a written dispute via email and formally requested full validation of the debt. I specifically asked for : A signed agreement or contract showing I owe the debt A full payment ledger or breakdown of the amount allegedly owed Proof that The Stark Agency is licensed to collect debt in the state of Missouri As of today, I have not received any of these requested documents. The only response I received was a generic invoice, which does not meet the legal standard for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my written dispute, The Stark Agency continued to report the debt to the credit bureaus without marking it as disputed, in violation of the Fair Credit Reporting Act ( FCRA ). I took a screenshot of my XXXX XXXX report on XX/XX/year>, which showed the account was last updated on XX/XX/year>, and the account was not marked as disputed, even though I had called and emailed my dispute by XX/XX/XXXX. 

This failure to properly validate the debt and accurately report it has caused stress and potential harm to my credit. I am preparing to file a small claims lawsuit in Missouri, seeking {$5000.00} in damages for these violations. I am submitting this complaint in an effort to resolve the issue before proceeding with legal action. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
I applied to refinance my home loan with new American funding I was approved we agreed on a XXXX year XXXX rate on a {$200000.00} mortgage the documents that I received were XXXX loan for XXXX years on a XXXX rate I was sent closing documents XXXX different times with exaggerated numbers then they claimed they dont know how that happened then they were rushing me to sign the documents its disgusting how companies like that can stay in business with no consequences I have all of the information via emails and in text they need to be investigated and handled accordingly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-07 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: TX

Complaint narrative:
Sales agent at dealership collected information for a " profile '' in their system stating multiple times that credit was NOT being ran. Then they proceeded to run the credit without authorization. My wife and I had never set foot in the dealership, and hadn't looked at a car yet. They were explicitly told over the phone that we would seek our own financing as well. Their inquiry dropped my credit from good to fair resulting in high APR on any future loan.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received a phone call on or about XX/XX/XXXX. The call was from a man who started by saying that I was going to be charged for fraud against CitiBank. Upon questioning it was stated that I owed over {$900.00} dollars for a CitiBank Credit Card from XXXX to XXXX. They stated I had been making payments on the card until XXXX when I suddenly stopped. I did not recall ever having a Citibank Credit Card, neither did my wife, we have had our mail stolen before, our bank accounts do not show these payments, they did not have my address correct on file, and we have had fraud committed on us before. So there was no way I was just going to pay nearly {$1000.00} to this until I could sort it out - I had never had any contact with this bill collection agency until this day. 
They began calling my parents, over and over, telling me I was going to get served at work ( after they received the dispute letter ), I had even set a time to have the lady I spoke to call me back the next day ( XX/XX/XXXX ) and she did not until several days later. After I had sent my dispute letter. At this point they are badgering my entire family and threatening me with public shame over a debt that I am not sure is even mine at this point.

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 2025-05-07 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Identity Theft Dispute Under FCRA Section 605B Request for Block of Fraudulent Information To Whom It May Concern, I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S. Code 1681c2 ], to formally dispute and request the immediate removal ( or blocking ) of all fraudulent information associated with my name and personal identifying information as found in the XXXX credit report dated XX/XX/year> ( Reference Number : XXXX ). 
The accounts listed below were not authorized by me, and I believe they are the result of identity theft : XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX All bank accounts listed should be removed from this report All addresses and phone numbers listed should be removed. 
All inquires need to be removed These accounts are inaccurately associated with me and contain derogatory payment histories which I did not authorize, open, or benefit from. I am a victim of identity theft and have attached the following documents as required under Section 605B : A copy of a valid government-issued photo ID A copy of a utility bill or bank statement to verify my current address A copy of the police report ( or FTC Identity Theft Report ) documenting the identity theft Under FCRA 605B, you are required to block the fraudulent information from my credit file within four business days of receipt of this request and supporting documentation. I request written confirmation once the inaccurate accounts are removed or blocked.

Please ensure that this dispute is investigated, and all references to these fraudulent accounts are permanently removed from my XXXX credit report. If you require further information, you may contact me using the details listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I'm writing to dispute an account on my credit report that is currently involved in pending litigation. This account should not be reported as accurate or valid while it's under legal review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: Experian Information Solutions Inc.
State: NJ

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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Greetings, I am submitting this complaint because I was offered a residual ( balloon payment ) loan for a new vehicle with a total value of {$100000.00}. The dealership informed me that the estimated monthly payment would be approximately {$1400.00} for 66 months, followed by a final ( residual ) payment of {$30000.00}.

However, based on my calculations and consultations, the total amount I would be paying over the loan term far exceeds the original value of the vehicle. This suggests that I am being charged interest on the full amount of {$100000.00}, including the residual value, instead of only on the financed portion ( approximately {$70000.00} ).

According to the Truth in Lending Act ( TILA ) and Regulation Z ( 12 CFR 1026 ), interest should only apply to the actual amount financed, and the residual value should be disclosed as a separate final payment, without accumulating interest during the loan term. 

I am requesting an investigation to determine whether the dealership and/or financial institution are complying with TILA disclosure requirements and whether interest is being applied legally to the loan. I would appreciate clarification so that I may proceed properly with a financial institution of my choice, as this practice is currently preventing me from acquiring the vehicle I wish to purchase. I did not allow any of the financial institutions to access my credit information to avoid reducing my credit score in vain for making numbers wrong on a lease or auto loan residual.

Below are the financial institutions that have provided me with similar calculations through their web page and their loan calculator and also when I call their lease or loan department they end up providing a higher payment : Banco Popular de Puerto Rico XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX If I am mistaken in my interpretation, I would appreciate guidance on the correct method of applying interest to leasing or residual payment loans. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation