vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX 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 XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
I am not able to submit an application to renew my XXXX plan. The XXXX  website keeps telling me XXXX save attempt failed while going through the application, even though it is saved in draft form. At the end of the application when attempting to submit nothing happens. If I can not apply for an XXXX I will be put in standard repayment which I can not afford. I am starting a program next month so I assume they will go into in school deferment but I dont know with all the changes happening with this administration. I would like to not default on my loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/XXXX, I purchased furniture from XXXX XXXX and was offered a XXXX No Interest if Paid in Full promotional financing plan through Synchrony Bank XXXX The store associate explained that payments would be automatically split with 0 % XXXX as long as I enrolled in auto-pay, which I did. I relied on Synchronys auto-pay and assumed they would deduct whatever was necessary to avoid interest. 

Unfortunately, in XX/XX/XXXX, I was charged over {$600.00} in deferred interest, despite never missing a single payment and being on auto-pay. I was not properly notified of the exact due dates to avoid interest. I never received alerts or emails regarding the end of the promotional period or any pending balance due. Synchrony now claims I should have paid the entire promotional balance manually before the expiration date this was never explained to me at the time of purchase.

I contacted Synchrony multiple times ( including XXXX XXXX ), submitted proof of the original offer and purchase, and explained that the sales representative misled me. Ive maintained a spotless credit history with Synchrony across multiple accounts and was simply misinformed and unaware of the fine print. Despite my efforts, Synchrony refused to reverse the interest.

I am extremely disappointed and feel this was a misleading promotional offer and a failure of transparency and proper notification from Synchrony.

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 2025-07-20 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Spring Oaks Capital is reporting an account I never agreed to. No contract, no signed documentation, and no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I hired a pet transport company to bring a dog from XXXX  to XXXX. After payment, the person disappeared. 

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 2025-07-20 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: CA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The company name is Columbia debit Recovery in XXXX wa they said amount XXXX  is the first was {$1.00}, XXXX now they raised it up to XXXX, XXXX I never had no relationships with these people I don't know these people telephone number is XXXX XXXX report number is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While trying to lift a freeze on my credit report for personal reasons I was not able to log in to my account. I tried several different ways as guided by Equifax website. None worked. Finally I was forced to make phone contact with their customer service. Quite naturally the customer service is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once we could understand each other they requested front and back of my driver license and a selfie. They still would not allow me to log in. They sent a link and still no log in. Realising I was dealing with an XXXX person that now had every last bit of my personal identifying information outside of DNA samples and that they were pinging my phone the whole time I told them I would find every XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suddenly after hanging up on me, I was allowed to access my account. This is why identity theft is so XXXX  in XXXX. These large conglomerate bureaus usXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : 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 on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : 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 on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-07-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Urgent Escalation No Response from American Express Regarding Identity Theft I am a victim of identity theft, and an unauthorized American Express credit card account was opened in my name without my knowledge or consent. I sent a detailed dispute via certified mail, which was delivered and confirmed received. However, I have not received any acknowledgment, confirmation, or response from American Express regarding this matter. 

Despite the seriousness of the situation, there has been no action taken to address the fraudulent account or to update me on the status of my case. I am requesting immediate attention and written confirmation that the matter is being investigated and that appropriate steps are being taken to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
The promissory note I signed allows payments by " cash, check or money order ''. I always pay by check. I nearly always pay more than the amount due each month. Nowhere in my loan documents does it say that I can not pay more than the amount due each month. Until recently, LoanDepot has accepted my payments for more than the amount due and applied the overage to principal. The amount due each month is currently {$2100.00}. 

On XX/XX/year>, well in advance of my next payment due date of XX/XX/year>, I mailed a check in the amount of {$110000.00}. On XX/XX/year> I received a letter from LoanDepot rejecting my payment, which was returned to me. LoanDepot made no attempt to cash or deposit my payment. My check was returned uncashed but with " RECEIVED '' stamped on it. The letter explained that LoanDepot has a policy of not accepting any payment over {$25000.00} unless it is a cashier 's check. LoanDepot then proceeded to charge me a {$70.00} late fee even though I immediately sent another payment, this time in the amount of exactly {$25000.00}, immediately upon receipt of that letter, and even though I HAD in fact tendered payment not only on time but early and it was LOANDEPOT that wrongfully sent it back. 

Again, nowhere in my loan documents is it written that payments over {$25000.00} must be by cashier 's check. This is something that LoanDepot unilaterally made up and with respect to which I never agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
There's XXXX that someone hacked from my account. Charges for online games. I don't know how to prove it wasn't me... I don't have any receipts or anything. Chime called Me regarding fraudulent activity... they said they were all blocked and no money was taken.... then they say they'll investigate and get back to me... then they said I would have to pay the XXXX dollars. What in the world do I do now??? XXXX XXXX, retired on a fixed income. By looking at my spending history you can see I've NEVER done that before and this is so unfair!! I can't afford to lose money. They still have my accounts frozen and I can't pay bills or eat. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX, I attempted to book an airline flight for myself, my wife and my infant through the Chase online portal. 

The portal returned fare information about the flight, but told me I had to call Chase 's reservation system to book the fares because of the infant. 

On the phone, Chase informed me that due to a limitation in the system available to their support staff, they weren't able to book the basic economy fare that the system advertised. Instead, they advised me that they could book a more expensive fare class only. Alternatively, they recommended that I book the basic economy fare online * without my infant *, then call them back after the XXXX cancellation period to add the infant to the reservation. ( This is obviously unworkable : if the flight filled up between booking the adults and the infant, we'd have no recourse since the cancellation period would have passed ). 

Trip ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
b'Requested Debt Validation, signed contracts, XXXX IRS, payment history, etc.'

Company response to consumer: Closed with explanation