vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO B E INACCURATE.

UNDER 1 5 US CODE 168 ACCURACY O F REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX # XXXX {$2800.00} XXXX XXXX # XXXX {$37000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WI

Complaint narrative:
" I have disputed inaccurate accounts on my credit report multiple times ( most recently on XX/XX/XXXX ). The bureau has failed to conduct a reasonable investigation as required under FCRA 611, instead relying on automated verification through e-OSCAR. The disputed accounts include : - XXXX XXXX XXXX ( XX/XX/XXXX ) - reported as charge-off/collection - XXXX student loans- duplicate reporting , marked XXXX  days late despite being transferred - XXXX  ( XX/XX/XXXX ) - reported late despite being closed/paid - Public record ( TransUnion ) - child support, unverifiable by court records. 
I am requesting deletion of these unverifiable items or full documented verification, including method of verification and procedures, per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). ''

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I hired a company to perform work on our new location and paid them using my XXXX American Express XXXX XXXX. I have been a loyal American Express member for over 20 years. At the time of payment, I was informed by an American Express representative that disputes could be filed for up to 18 months on business accounts. 

Unfortunately, the merchant failed to provide the agreed services and has refused to return the funds. When I contacted American Express to initiate a chargeback, I was made to wait repeatedly without progress, and I have now been told that Amex will not assist because of a recently changed policy. I was never notified of this change, and it directly affects my ability to protect my business from fraud and non-performance. 

I am requesting that American Express honor the original representation made by their agent and assist me in recovering these funds. As a long-standing XXXX XXXX XXXX member, I expect the protections and service that were part of my decision to remain with American Express for XXXX decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FORD MOTOR CREDIT COMPs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the FORD MOTOR CREDIT COMP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am filing this formal complaint under the Consumer Financial Protection Act against Synchrony Bank ( Account Number : [ Your Account # ] ) for unfair, deceptive, and abusive billing practices related to a deferred interest promotional financing offer. This has resulted in approximately ~ {$1700.00} in unexpected retroactive interest and penalties on a remaining balance of just {$500.00}, despite my perfect payment history over XXXX  years. Synchrony has refused to waive these charges, even though this is my first-ever issue with the account. I request CFPB mediation to secure a full waiver of the fees and reversal of the retroactive interest.

Synchrony failed to provide prominent, timely notices about the promo expiration. The end date was buried in fine print on statements, with no bold alerts, emails, or app notifications-violating the Fair Credit Billing Act 's requirement for clear disclosures ( 15 U.S.C. 1666 ). The alerts for promotional period ending were defaulted to be off when enrolling in autopay, which is something impossible to rationalize. Autopay was set to the " minimum '' by default, which did not cover the full promo balance, misleading me into believing I was on track, which is a common complaint in consumer reports. 

This is my first missed deadline in over XXXX  years of on-time payments. Synchrony acknowledged this during my calls but refused a one-time courtesy waiver, despite their policy for goodwill adjustments on initial issues. Which mirrors tons of similar complaints found online. 

I have called on multiple occasions over the past week, speaking with multiple departments towards finding a resolution with the case and have found none willing to work with me whatsoever in coming to some sort of compromise. During the promotion period, we moved across the country, during which we had to deal with a scam by a moving broker, which was only finally resolved in XXXX XXXX XXXX. Had some effort been made by Synchrony to inform us of the promotion period ending, we would never have let the interest accrue. The extenuating circumstances of a major move and the broker scam were the only reasons we would have overlooked this for so long. 

Our ideal outcome would have the interest balance, compounding from the end of the promotional period, to be waived ; otherwise, to reach some compromise, agreeable to both parties. Despite repeated insistence wishing they could help, they have been unwilling to discuss anything towards a resolution. Their ethically dubious business practices in conjunction with an unwavering stance towards any compromise, make it difficult for any wishes to help us to be seen as anything but disingenuous.

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 2025-09-25 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX - XX/XX/year> - the inquiry was not authorized.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
BASICALLY I WAS WITH XXXX XXXX  AND HAD A LARGE XXXX FIGURE CLOSE OUT AMOUNT {$130000.00} OFFICIAL CHECK MAILED TO MY ADDRESS ON XX/XX/year> ACCOMPANIED WITH A LETTER STATING THIS ENCLOSED WITH CHECK # XXXX RELEVANT TO ANOTHER OPEN COMPLAINT WITH YOUR COMPANY # XXXX. 
SINCE MY ACCOUNT AT XXXX WAS CLOSED I OPENED A NEW ACCOUNT WITH NAVY FEDERAL CREDIT UNION ACCESS NUMBER # XXXX .I THEN DEPOSITED THE OFFICIAL CHECK FROM XXXX XXXX  IN THE AMOUNT OF {$130000.00} TO THE NEW CHECKING ACCOUNT AT NAVY FEDERAL. NAVY FEDERAL THEN FROZE MY ACCOUNT AND INSINUATED THE CHECK WAS FAKE OR FRAUDALENT WITH NO PROOF AT ALL JUST BECAUSE OF THE AMOUNT .NAVY FEDERAL CALLED ME AND I EXPLAINED TO THE SECURITY DEPARTMENT WHERE THE CHECK CAME FROM AND THEY TOLD ME THAT THE FUNDS WILL BE AVAILABLE IN 5 DAYS .AFTER CHECKING MY ACCOUNT FIVE DAYS LATER WHICH IS TODAY THE BALANCE ON MY ACCOUNT SHOWS {$130000.00} WHICH MEANS {$720.00} IS MISSING FROM MY FUNDS AND I WAS INFORMED THAT MY FUNDS WONT BE RELEASED AND I NEED TO CALL XXXX XXXX  TO DO A STOP PAYMENT ON THE CHECK .AFTER SPEAKING WITH XXXX XXXX THEY INFORMED ME THAT NAVY FEDERAL NEVER EVEN CALLED THEM TO VERIFY THE CHECK OR DEPOSITED IT INTO MY ACCOUNT BECAUSE THE CHECK WAS GOOD AND THE ONLY HOW THIS COULD OF HAPPENED IS IF THEY JUST DIDNT EVEN DEPOSIT IT AND MADE ASSUMPTIONS ABOUT THE CHECK.

I AM BEING RACIAL PROFILED BY THE BANKS BECAUSE OF THE AMOUNT OF THE CHECK .THE CHECK CAN BE VALIDATED AND IS LEGIT I DONT DESERVE TO BE GOING THROUGH THIS WITH MY OWN MONEY .I HAVE NOT COMMITTED A CRIME THE CHECK IS LEGIT NOT A FAKE CHECK FROM MY PREVIOUS ACCOUNT ( REFER TO THE OTHER CASE # in this thread ) I want my money and i want it now because this is profiling .I even submitted the documents proving all this to the SECURITY TEAM AT NAVY FEDERAL EVEN THOUGH I SHOULDNT HAVE HAD TO DO ALL THIS WHEN ALL THEY HAD TO DO WAS VERIFY THE CHECK .ALSO HOW IS NAVY FEDERAL GONE TELL ME TO PUT A STOP PAYMENT ON A CHECK WHEN {$720.00} OF THE DOLLARS ON THE CHECK ARE MISSING? I WANT MY MONEY IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I attempted to use a XXXX XXXX prepaid card ( {$50.00} ) purchased by my sister at a XXXX store on XX/XX/XXXX, on XXXX. The card was initially declined because it had not been activated. After activation, it displayed a pending purchase from my prior attempt. 

The VanillaGift website then indicated that the funds were on hold and showed a {$0.00} balance, even though the card had {$50.00}. Neither VanillaGift nor XXXX provides an option to cancel the pending purchase or release the funds. It appears VanillaGift was waiting for a signal from XXXX, while XXXX was not waiting on VanillaGift. Any attempt to use the card again is declined, leaving the funds inaccessible. 

VanillaGift provides no meaningful support ; their customer service consists only of an automated phone system with no live assistance. XXXX XXXX stated the card was declined due to an incorrect billing address, which conflicts with prior successful use and VanillaGifts FAQ stating their cards do not have a preset billing address. 

Attempts to check the card balance or order history on VanillaGifts website were blocked with an error claiming I was using a VPN, not in the XXXX, or another unspecified issue. I have not used a VPN and have remained in the United States. 
I am unable to access {$50.00} that I legally purchased, leaving the funds trapped and causing financial harm and frustration. 
Attached is a .zip file containing screenshots of the VanillaGift page and my correspondence with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * UPSTART NETWORK INC . 

* * Regarding : * * UPSTART NETWORK INC., Account no : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way UPSTART NETWORK INC. is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by UPSTART NETWORK INC. 
- The account reported positively for a period of time. 

- After I became delinquent, UPSTART NETWORK INC. charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies. 
2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. 
- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o. 

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I deposited a check for {$14000.00} into my Citizens Bank checking account ( ending in XXXX ). My deposit receipt, which served as a formal Notice of Hold, explicitly stated that the funds would be available on XX/XX/XXXX. 

Citizens Bank failed to honor this written notice. They have now extended the hold to XX/XX/XXXX. The bank 's representatives have repeatedly told me the reason for the continued hold is that they are waiting for the issuing bank ( XXXX XXXX ) to verify and release the funds. 

This reason is verifiably false. I have personally contacted XXXX XXXX XXXX, and they confirmed that the check has fully cleared and that the funds have already been paid and sent to Citizens Bank. 

On the evening of XX/XX/XXXX, I presented this information to a supervisor on the Citizens Bank customer service line. I informed them that they are holding funds they have already collected and that their justification for the hold is incorrect. Despite this, the supervisor refused to release the hold.

Citizens Bank has broken the terms of its written notice and is now illegally withholding collected funds while providing false information to me, the customer. 

Finally, when I challenged the hold, the supervisor I spoke with on the evening of XX/XX/XXXX stated the extended hold was within the bank 's internal 'policy. ' I stated that an internal policy can not supersede federal Regulation CC, particularly when the bank has failed to honor its own written notice and is holding funds it has already collected. His final response to me was, 'Well, I'm sorry that you don't believe me. ' This demonstrates that the bank 's staff is dismissive of their obligations under federal law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I asked the cashier to make a wire transfer and just direct deposit to the account and I couldn't claim my money because it was a scam to whom I was sending the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
" I have disputed inaccurate accounts on my credit report multiple times ( most recently on XX/XX/XXXX ). The bureau has failed to conduct a reasonable investigation as required under FCRA 611, instead relying on automated verification through e-OSCAR. The disputed accounts include : - XXXX XXXX XXXX ( XX/XX/XXXX ) - reported as charge-off/collection - XXXX student loans- duplicate reporting , marked XXXX  days late despite being transferred - XXXX  ( XX/XX/XXXX ) - reported late despite being closed/paid - Public record ( TransUnion ) - child support, unverifiable by court records. 
I am requesting deletion of these unverifiable items or full documented verification, including method of verification and procedures, per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WI

Complaint narrative:
" I have disputed inaccurate accounts on my credit report multiple times ( most recently on XX/XX/XXXX ). The bureau has failed to conduct a reasonable investigation as required under FCRA 611, instead relying on automated verification through e-OSCAR. The disputed accounts include : - XXXX XXXX XXXX ( XX/XX/XXXX ) - reported as charge-off/collection - XXXX student loans- duplicate reporting , marked XXXX  days late despite being transferred - XXXX  ( XX/XX/XXXX ) - reported late despite being closed/paid - Public record ( TransUnion ) - child support, unverifiable by court records. 
I am requesting deletion of these unverifiable items or full documented verification, including method of verification and procedures, per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). ''

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