vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: AZ

Complaint narrative:
In order to buy a home I must have a credit score of XXXX or above. Unfortunately, I do not believe my credit score is XXXX or above, because although I paid my debts Experian and TransUnion will not remove negative information from my credit report that has been resolved. Under XXXX  law, I believe a repo can only be on your credit report for XXXX years after being repoed. I do not know who benefits from negative information being on my credit report : My former creditors or the credit reporting agencies? Why would anyone want to hurt and/or hold anyone back from trying to do the right thing and better themselves? They got their money : Now allow me the opportunity to seek and live the American Dream of home ownership. Finally, how many other people are in this situation that do not have the knowledge and/or courage to stand up to XXXX big organization they did not wish to support?

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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I first opened an amazon prime store credit card with Synchrony Bank in XXXX of XXXX. I have made religiously on-time payments ever since. 

In XXXX of XXXX, I had a check take longer than usual due to the amount to clear my bank account. I thought I was in the clear and attempted to make a payment to pay off the entire card. It didn't go through as the check hadn't yet cleared and I didn't realize it. Once I found out it didn't go through, I immediately followed up with a standard monthly installment so they at least received something until the check cleared and I could pay in full. 

According to Synchrony " Bank '', they said I've had XXXX payments get rejected, therefore they decided to permanently close my account without reaching out and inquiring whether I had fraud occurring, or if there was a problem they could assist with, prior to just axing my card. 

I called customer service. They said it is permanently closed and they will not reopen it even once the entire amount is paid in full. I asked why I wasn't contacted. They claim they sent a letter on XX/XX/XXXX informing me of this. It is XX/XX/XXXX -- mail after a holiday week will not have reached me yet, and indeed, I have no mail stating they've closed my account. The only correspondance I have received was a rejected payment email from Synchrony in XXXX, which I remedied by submitting a monthly payment amount instead of attempting the entire {$1700.00} again. My XXXX payment went through. 
They also claim there was a rejected payment in XXXX ; I do not see that. ( Screenshot of payment activity attached. ) I do see the same amount twice, however, nothing says " Rejected '' as it does in XXXX ; so that makes no sense to me? I haven't even maxed my card out, and it shouldn't matter if I do ; I've always paid. Not only that, they continued allowing me to make purchases after the rejected XXXX payment -- which as stated, I followed up with a monthly payment just to make sure it got some sort of payment -- until I went to make another purchase on XX/XX/XXXX and was denied. 

Why wouldn't they just reach out and inquire as to what's happening? Every other financial institution does. " Hey this is past due; hey this payment didn't go through; hey are you having issues, how can we help? '' Nothing. Just a supervisor on a customer service call stating they've mailed me notices I have not received and being completely unwilling to work with me despite XXXX  years of loyal on time payments. I even hold a CareCredit card through them that I put {$4000.00} on then promptly paid in full several years ago. I have been responsible. This is extremely angering to me. This is horrible customer service and a terrible way to treat a loyal customer.

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 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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:
There is a bankruptcy reporting on my credit report that is not mine. I do not have a Bankruptcy and I have never filed for a bankruptcy.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened an account with Capital One on XX/XX/year>. I waited for a debit card to come which was about a week. I had a balance of {$5.00}. On XX/XX/year> a check was deposited for {$4900.00} from profits from a trading account and content creation. The check was reversed on XX/XX/year>. The account is valid but I was told that the check was fake and account under review. I spoke with the payer about the check and was informed the check is good. So, I had no idea about the issue with the check. Capital One sent me an email saying, that both of my accounts are being closed checking/savings. I really need to get this matter corrected. I have called several times but I never get any help only but their closing the account due to risk and no further business or future. I was scammed or something. The guy sent me a text back. I have uploaded it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I received a notice from XXXX XXXX XXXX  dated XX/XX/year> that my mortgage was being sold to Selene Finance LP effective XX/XX/year>. 
That document I received from XXXX XXXX was not able to provide my new loan number with Selene XXXX XXXX only a phone number and address to contact my new mortgage holder. 

As of XX/XX/year> I have yet to receive a single email, phone call, nor any mailed documentation regarding this transfer from Selene XXXX XXXX. 

I have attempted to register online at their ( Selene ) official website since receiving the letter dated XX/XX/year> from XXXX XXXX, but it keeps saying I can not because there is no record of my loan/name/etc with Selene Finance which is quite concerning. I have tried calling the only available number found online and on the letter from XXXX XXXX XXXX to no avail. There is no way to speak to a human being unless they have a record of your loan/information which the online prompts keep saying I am not found/invalid no matter which of the prompts that I try. 

On XX/XX/year> I did call XXXX XXXX Banking to verify it was sold to this company and they confirmed it has been and my mortgage account with them ( XXXX XXXX ) is closed. 

The online reviews of Selene XXXX XXXX speak for themselves. I am going to be in default if I can not pay my mortgage which I am able and trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
My husband and I both had personal loans that were paid off by our credit union WITH BOTH ACCOUNTS PAID OFF ON THE SAME DATE, checks going to the same address. 

Both checks were cashed but only my husbands account was reconciled, I've tried calling Citi several times and they have no record of payment, EVEN THOUGH THE CREDIT UNION AND I HAVE RESENT CONFIRMATION MORE THAN ONCE.

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 monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and inquiries listed on my Experian credit report. I believe these accounts have been reported inaccurately, and I respectfully request that they be investigated in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts and inquiries : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  XXXX Date : 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 explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Hello my name is XXXX XXXX birthday XX/XX/XXXX On XX/XX/XXXX at XXXXXXXX XXXX my virtual card was used without my knowledge, the transaction amount was {$470.00} this is a fraudulent/ Unauthorized transaction my card was even locked that day and I never used my card on that day. I just want my money that was my only money for the month I received from my mom because she is my payee I receive ssi. I have talked to XXXX XXXX already they said to dispute the transaction I even made a police report.. The company name is current bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Here is a more polished, clear, and professional version of your statement. I softened some wording to keep it strong but appropriate for complaints, legal inquiries, or consumer protection filings. If you want it more forceful or more formal, just let me know : -- - In XX/XX/year>, my Bank of America credit card suddenly stopped working. When I contacted the bank to find out why, I was told that I had an outstanding balance of {$30000.00}. This was shocking because I have always paid my credit card bill in full every month since opening the account, and my payment history reflects that. If I had missed even a few payments, I would have been flagged as delinquent, yet that never occurred. I also never received any calls, notices, or alerts from Bank of America indicating that my balance was increasing or that there were any issues with the account. 

Instead, Bank of America increased my credit limit without notifying me. When I questioned the charges and the lack of communication, I was told that I was still responsible for paying the full amount. I ultimately paid the entire balance. 

I believe Bank of America acted in a predatory and unethical manner, and I would like to seek appropriate recourse for this harmful behavior.

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 monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: CT

Complaint narrative:
I am disputing an unauthorized payment extension and interest accrual on my auto loan with Exeter Finance. Exeter sent me a Payment Extension Notice extending my loan maturity into XXXX and verbally told me over the phone that missed payments would be tacked onto the end with interest. I NEVER signed, executed, or electronically accepted any loan modification. 

Despite no written consent, Exeter continued accruing interest and altered the maturity structure of the loan. I relied on Exeters representations in good faith during a period of financial hardship, including reliance on government benefits. 

I have now formally disputed this extension in writing and requested a voluntary surrender with full deficiency waiver due to the disputed modification and hardship circumstances. Exeter has not yet provided signed authorization for the extension. 

I requested that Exeter : Produce any signed modification agreement, Provide a complete accounting of all interest and fees added since the disputed extension, and Confirm whether they will accept voluntary surrender in full satisfaction of the balance. 

I am requesting CFPB oversight to ensure fair and lawful servicing of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-03 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: MO

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief