vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Im filing this complaint because Synchrony Bank has again reduced my XXXX XXXX credit card limit without cause despite my account being paid off, on autopay, and in good standing. 

My original credit limit was {$4000.00}. It was first dropped to {$470.00}, which prompted me to pay the card off completely and file a CFPB complaint. Since then, Synchrony has dropped it even further to below the balance itself. 

As of today, my account shows a balance of {$88.00}, and my available credit is {$10.00}, meaning the bank reduced my limit to around {$78.00}, which is less than the current balance, creating an artificial overutilization. 

I requested information on why my limit was being reduced, and no response was provided. 

I am a responsible customer with no late payments, no missed payments, and autopay active. This behavior appears retaliatory and punitive, especially after my prior CFPB complaint went ignored.

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 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: E MORTGAGE MANAGEMENT, LLC
State: SC

Complaint narrative:
This company, specifically XXXX XXXX, lied and misled me throughout the entire process. She stated I was approved for {$400000.00} with no HOA payments, then said I did not qualify for {$340000.00} and would need to add someone onto the loan. I did not want to do so, but was made to believe I had to do so and would be sued and penalized if I did not add someone else onto the loan. She refused to write a letter stating I did not qualify because after I added someone, I would have qualified by myself if they delayed closing and reviewed my taxes differently. This was never stated to me. They also made me buy down points on the loan since my interest went up with someone added, and snuck the points and charges on without telling me. The entire time I was bullied and bulldozed into going through with this loan and told I had no legal way out of it even when I told them I couldnt afford the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am disputing an inaccurate collection account reported by Credit Control Services for a {$290.00} debt originally associated with XXXX. I submitted documentation to Experian clearly showing that the charge had been disputed with XXXX, an investigation was conducted, and my dispute was rejected, the funds were returned to XXXX meaning the debt was resolved and no balance was owed. 

I provided XXXX  with these documents, along with a written explanation. Despite this, Experian validated the debt without providing any further verification or documentation from Credit Control Services. I have received no communication or evidence from the collection agency to justify the continued reporting of this debt. This is a violation of the Fair Credit Reporting Act ( FCRA ), as the debt is not accurate and can not be properly verified. More concerning, the " Date of First Delinquency '' appears to have been reset, which constitutes re-aging the account a violation of the FCRA. This misrepresents how long the account should remain on my credit report and artificially extends its negative impact. 

The XXXX debt being reported on my credit report was sold or transferred from XXXX to XXXX XXXX XXXX. The original delinquency reported by XXXX XXXX appears to have re-aged the account by resetting the " Date Opened '' or " Date of First Delinquency '' to a newer date. This is a direct violation of FCRA 605 ( c ), which prohibits the re-aging of debt to keep it on a credit report longer than legally allowed. This tactic is misleading, harmful to my credit standing, and must be corrected immediately.

I am unable to attach previous credit reports from all three bureaus which show that the opening dates for these two accounts were reaged. I do have them from XXXX  for all three Bureaus and the specific pages that show the opening dates being further out than what is being reported on my credit report currently. I did also dispute this with Experian and nonthing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
I am the former co-maker of two joint spousal consolidated XXXX loans with my ex-husband through XXXX. In XX/XX/XXXX, I applied to have my portion of the loans separated from my ex-husband 's balance under the Joint Student Loan Separation Act. I was approved for this separation in XX/XX/XXXX, and have new loans with XXXX under my name only for my portion of the balances we had with XXXX. The new XXXX loans appear on my credit report as they should. 

I received a letter from XXXX in XX/XX/XXXX stating that my portion of the loans was moved to a separate loan and that I am no longer responsible for the balance remaining. However, the accounts, and remaining balances and payments that belongs to my ex-husband are still appearing on my credit report. The accounts shows " individual '' now rather than " joint '' but I am not the responsible individual. 

I understand that XXXX needs to report the history of this loans on my credit report for the time period in which I was the co-maker. However, I am no longer the co-maker and the balance belongs 100 % to my ex-husband. On my credit report, the balances need to show XXXX with XXXX payments due. 

XXXX contining to report balances and payments due on my credit report when the loans no longer belong to me affects my income to debt ratio for lending and reports over {$200000.00} in debt that I do not have. 

I have filed two disputes with all three credit bureaus and the results of those disputes came back that the loans do belong to me. While this is true concerning the HISTORY of these loans, the BALANCE and PAYMENT DUE are NOT mine. I am no longer responsible for these accounts and this needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
I am the former co-maker of two joint spousal consolidated XXXX loans with my ex-husband through XXXX. In XX/XX/XXXX, I applied to have my portion of the loans separated from my ex-husband 's balance under the Joint XXXX  Loan Separation Act. I was approved for this separation in XX/XX/XXXX, and have new loans with XXXX under my name only for my portion of the balances we had with XXXX. The new XXXX loans appear on my credit report as they should. 

I received a letter from XXXX in XX/XX/XXXX stating that my portion of the loans was moved to a separate loan and that I am no longer responsible for the balance remaining. However, the accounts, and remaining balances and payments that belongs to my ex-husband are still appearing on my credit report. The accounts shows " individual '' now rather than " joint '' but I am not the responsible individual. 

I understand that XXXX needs to report the history of this loans on my credit report for the time period in which I was the co-maker. However, I am no longer the co-maker and the balance belongs 100 % to my ex-husband. On my credit report, the balances need to show XXXX with XXXX payments due. 

XXXX contining to report balances and payments due on my credit report when the loans no longer belong to me affects my income to debt ratio for lending and reports over {$200000.00} in debt that I do not have. 

I have filed two disputes with all three credit bureaus and the results of those disputes came back that the loans do belong to me. While this is true concerning the HISTORY of these loans, the BALANCE and PAYMENT DUE are NOT mine. I am no longer responsible for these accounts and this needs to be corrected immediately.

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 2025-06-20 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: CO

Complaint narrative:
I am the former co-maker of two joint spousal consolidated XXXX loans with my ex-husband through XXXX. In XX/XX/XXXX, I applied to have my portion of the loans separated from my ex-husband 's balance under the Joint XXXX Loan Separation Act. I was approved for this separation in XX/XX/XXXX, and have new loans with XXXX under my name only for my portion of the balances we had with XXXX. The new XXXX loans appear on my credit report as they should. 

I received a letter from XXXX in XX/XX/XXXX stating that my portion of the loans was moved to a separate loan and that I am no longer responsible for the balance remaining. However, the accounts, and remaining balances and payments that belongs to my ex-husband are still appearing on my credit report. The accounts shows " individual '' now rather than " joint '' but I am not the responsible individual. 

I understand that XXXX needs to report the history of this loans on my credit report for the time period in which I was the co-maker. However, I am no longer the co-maker and the balance belongs 100 % to my ex-husband. On my credit report, the balances need to show XXXX with XXXX payments due. 

XXXX contining to report balances and payments due on my credit report when the loans no longer belong to me affects my income to debt ratio for lending and reports over {$200000.00} in debt that I do not have. 

I have filed two disputes with all three credit bureaus and the results of those disputes came back that the loans do belong to me. While this is true concerning the HISTORY of these loans, the BALANCE and PAYMENT DUE are NOT mine. I am no longer responsible for these accounts and this needs to be corrected immediately.

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 2025-06-20 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: PA

Complaint narrative:
This morning, I found incorrect accounts appearing on my credit report, and Im unsure why. I reviewed my credit report as usual, but this time, there were unexpected errors. I refreshed my browser to check if it was a temporary glitch, but the inaccuracies remained. Due to this problem, I request a thorough review of the documents Ive submitted so I wont have to worry about this issue anymore.

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 2025-06-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This identity theft is for profolio recovery I did not open this account. Ive never had a XXXX XXXXXXXX account Im requesting for this account to be removed from my profile immediately this is fraud and identity theft account with balance of XXXX. Save your card. Ive never applied for. This account. 

Im requesting that portfolio recovery be put under an investigation for committing fraud by not removing this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$740.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance {$4100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number XXXX Balance {$460.00} Open Date XX/XX/XXXX XXXX  Account Number XXXX Balance {$340.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have XXXX credit cards with Capital One, and I began calling back on XX/XX/year>, regarding personal hardship issues. I was given a fee suppression on all accounts until I can bring my credit cards up to date. I have placed calls approximately once or twice a week regarding XXXX card that remains unresolved. I was able to resolve XXXX accounts, and a XXXX  account was closed. I was put on a long-term fixed-rate settlement program with a minimal monthly payment. My XXXX  card ending in XXXX is the only XXXX for which I have been unable to obtain assistance, despite my due diligence, and this card has the largest balance. I am only receiving system-generated payment plans to update my credit card information. Despite my financial duress, I had accepted a three-month payment plan of {$89.00} per month, which I subsequently cancelled a few days before the first payment was due, as I lost my job on XX/XX/year>. I contacted Capital One within a few days of losing my job. I was repeatedly connected with credit card foreign representatives whom I couldn't understand, and who did not seem to comprehend my issue. I requested a U.S. representative, and in both cases, I was provided with system-generated options that don't offer much help when someone experiences job loss. The best they could offer over the phone was a system-generated offer of {$45.00} per month for XXXX months, despite the fact that I have no income. Now that I am receiving unemployment benefits, my monthly gross income barely covers my rent. Then, when I finally asked for someone in the U.S., I was still given the same system-generated options. The only difference is that I am being told to allow my account to keep going past due until the system generates another option. My account is now XXXX months past due, and Capital One does not offer credit protection. I am watching my credit being impacted because I don't have the means to pay anything. I just logged on to the app to see if it would offer me any other options, and despite being XXXX months past due, it still only provides the option of paying {$94.00} per month to bring my account up to date. Capital Hardship options are not designed to assist the unemployed or those with genuine hardships that a payment plan can not alleviate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES : XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Date : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  lowered due to Equifax reporting of adverse accounts that were disputed for XXXX XXXX  and blocked through majority other credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXXXXXX  6. XXXX XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: LA

Complaint narrative:
XX/XX/XXXX purchased a 2025 XXXX XXXX used for the amount of total XXXX which add-ons to amount {$47000.00} there was no complete understanding about what's going on. Mainly complaint is about doing the financing process was misrepresented of income on the loan application leading to negative impact on my credit loss of the car and down payment. I have contact XXXX finance and told them about this several times made multiple calls but there was nothing they can do so I would like to fulfill this complaint and hopefully to be able to at least get some resolution. They told me what was on the initial application XXXX finance. What I told to sell person is different than what is on my application.

Company response to consumer: Closed with explanation