vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a refrigerator with my Citi Bank Home Depot card and was told it was XXXX percent. I have made my payments and then I noticed on XX/XX/XXXX that my card balance increased to over my limit substantially. Confused I called in because I was well below my balance and hadn't used my card in 4 months. When I called in I was told it was because a refrigerator purchased XXXX years ago was not paid off so it was for all of the interest from the XXXX years ( over {$2400.00} ). I was completely confused as I've made all of my payments. They said I was to pay over ( even though there is no info when paying online to have a certain amount of over payments applied to principle of a specific purchase ) and I failed to do that. I let the first agent know that I was never told that to which she responded " it happens all the time, they do a terrible job explaining this in the store. '' They do have a 60 day grace period she said, but that ended on XX/XX/XXXX. I let her know no one ever called me about this, no one ever mentioned it to me at the store and I'm happy to pay the whole card off if she could help me. She said she was unable to help then transferred me to another rep. The next XXXX reps said there was no help they could give as I should have know that if I read the fine print in the statement ( that I never got ) I would have seen on page 3 that it mentioned the 24 month 0 % item. Even with that it never let me know how to make specific payments to that. The purchase was bundled into my total balance which I have always made. After speaking with the 3rd person who made it very clear that this was my fault and nothing would be done they said they can have a higher up rep confirm this to me in 15 business days. All I want is to pay this off as the overage is harming my credit and I feel that this whole XXXX percent for 24 months was designed as a deceptive tool to still collect 29.99 % interest.

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 2025-09-17 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: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
* * Subject : * * Formal Complaint Regarding Inaccurate Credit Reporting 21st Mortgage Account * * To : * * Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, My name is * * XXXX XXXX * *, and I am submitting this complaint regarding inaccurate reporting of my * * 21st Mortgage account * * across the three major credit reporting agencies.

The information being reported is inconsistent and in violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, which requires furnishers to report information that is accurate and consistent across credit bureaus. The following discrepancies exist : * * * XXXX  * * : Reporting * * XXXX late payments * * * * * XXXX * * : Reporting * * 9 late payments * * * * * XXXX * * : Reporting * * 8 late payments * * These conflicting records for the same account demonstrate that the data is inaccurate and not being reported with maximum possible accuracy as required under * * FCRA 1681e ( b ) * *. Additionally, the failure of 21st Mortgage to correct and ensure consistency in their reporting is a violation of * * FCRA 1681i ( a ) * *, which mandates prompt investigation and correction of disputed information. 

This inaccurate reporting has negatively impacted my creditworthiness, caused financial harm, and is misleading to potential creditors reviewing my credit report. I respectfully request that the CFPB investigate this matter, direct * * 21st Mortgage * * to conduct a proper review, and require all three credit bureaus ( Equifax, TransUnion, and Experian ) to update my records to reflect accurate, consistent, and verified information. 

Attached are supporting documents including copies of my credit reports showing the discrepancies. 

Thank you for your assistance in addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I XXXX XXXX as the owner of XXXX XXXX reserve all my rights as provided by UCC 1-308. As a citizen of the XXXX of the United States. The original creditor has been paid by the collection agency without my knowledge of any such agreement or details of amount paid. I have no obligation to Midland XXXX and did not agree to this sell. I therefore have no obligation whatsoever to Midland XXXX  and have the right to sue Midland XXXX as well as XXXX as to my report is frozen from any new additions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank has closed XXXX of my credit cards with no clear reason. I have no adverse payment history with any card I have. The only reason they state is high risk activities. I have not had any fraudulent charges on my accounts.

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 2025-09-17 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX gave me a quote and offered financing. I completed the application. The next day I told XXXX XXXX that I would get back with them when I was ready to complete the service. I found another comapanhy who was much cheaper to complete the services later, the finance company called and left a message saying that they were calling to verify that the service was completed. I didnt call them back as I had the service done by a different company. I received a loan statement with payment due a few later. I called them on XX/XX/year> and advised that the loan should not have been completed as I never confirmed with them.They stated that an investigation was opened. I also spoke to XXXX XXXX that day and they advised that they would be returning the check for {$11000.00}. 

Since then, I continue to receive loan statements and calls daily for me to pay, and they have now reported the loan to my credit.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Old addresses, misspelled name and phone numbers on my account that needs to be removed. This information is not associated with me.

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 2025-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I went to the Wells Fargo, XXXX XXXX Nj branch to close the accounts of XXXX XXXX, a deceased individual. I had previsouly withdrew 50 % of the funds by registering the letters of administration with the bank. I then obtained a tax waiver from the NJ department XXXX XXXX and returned to the bank. I was told I could not close the account unless I made an appointment at THEIR convenience. The bank is essentially holding the funds XXXX without a plausible lawful reason.

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 2025-09-17 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: TX

Complaint narrative:
I am disputing the late payment reflected on my credit report, as it is inaccurate and does not align with my history of timely payments. This negative entry unfairly damages my credit profile and creates a false representation of my financial reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 may 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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a dispute regarding accounts that have been fraudulently added to my credit report. I have never authorized or been associated with these accounts, and their inclusion is entirely inaccurate and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received an alert from XXXX  Credit Bureau regarding a credit collection effort by Hunter Warfield, XXXX XXXX XXXX XXXX, XXXX, FL, concerning a collection effort made by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX, XXXX. XXXX XXXX is managed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ga XXXX XXXX. XXXX  detected that this was a sign of identity theft. I have file a case with XXXX and also with Hunter Warfield as the attempt to collect this debt is not mine. All investigations are pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-17 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 am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/year> Balance {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b'Complaint Against Synchrony Bank  Account #XXXX XXXX XXXX am filing this complaint against Synchrony Bank regarding an unresolved credit dispute, inaccurate reporting, and improper collection practices.\n\nOn XXXX XXXX XXXX I submitted a formal dispute to Synchrony regarding a deferred interest charge of XXXX that arose due to misrepresentation by a Synchrony agent. The agent explicitly informed me that the promotional financing grace period was extended until XXXX XXXX XXXX, when in fact Synchrony later claimed the cutoff was XXXX XXXX XXXX. I relied on this guidance and made my payment accordingly.\n\nSynchrony acknowledged receipt of my dispute in XXXX XXXX but has failed to provide a substantive response within the time required under the Fair Credit Reporting Act (FCRA, 15 U.S.C.  1681s-2). Instead, Synchrony has continued to send collection letters and place collection calls, in violation of the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C.  1692c1692g), while the account remains in formal dispute.\n\nCompounding the issue, Synchrony has reported derogatory information to the consumer reporting agencies, causing my credit score to decline by more than XXXX points. This negative reporting is both inaccurate and misleading because it is based on Synchronys own agent providing incorrect information about the payment deadline. This constitutes a violation of both the FCRA and Regulation Z (Truth in Lending Act, 12 C.F.R.  1026.41 et seq.).\n\nRequested Relief:\n\nRemoval or correction of all derogatory tradelines related to this account from all consumer reporting agencies.\n\nCessation of all collection activity until the dispute is properly resolved.\n\nNegotiation of a fair settlement that reflects the disputed nature of the charges and the harm caused to my credit.\n\nSynchronys failure to investigate, its continued attempts to collect on a disputed debt, and its reporting of inaccurate information have caused significant financial harm. I respectfully request the CFPBs assistance in compelling Synchrony Bank to correct these violations and resolve this matter fairly.\n\nComplainant:\nXXXX XXXX XXXX XXXX XXXX, FL 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 2025-09-17 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-09-17 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation