vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There was a fraudulent charge on my floor and decor card managed by Synchrony Bank. I called to dispute the charge on XX/XX/XXXX and a new card was sent but the fraud claim was not started. I called back on XX/XX/XXXX and a fraud claim was started at that time and I was notified that the charge would be credited while the dispute was investigated. The charge has never been removed from my balance and for two months I have received late fees and the incorrect balance has been reported to the credit reporting agencies. I have made repeated phone calls to have this corrected but nothing has been done. On XX/XX/XXXX I was notified that the dispute was resolved in my favor, but the amount is still showing and I received a late charge of {$41.00} on XX/XX/XXXX. This company has repeatedly refused to fix the issue.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: PA

Complaint narrative:
To Whom It XXXX Concern : This letter serves as a formal dispute and notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

{$1600.00} et seq. I a m disputing the accuracy, authorization, and legality o f certain information currently appearing in my consumer credit file. Upon review of m y credit report, I identified entries that appear to have been furnished or accessed without my knowledge, authorization, o r written consent. 
Under 1 5 U.S.C. 1681b, a consumer reporting agency XXXX only furnish a consumer report for specific permissible purposes, and only when the consumer has provided lawful authorization where required. I state clearly and affirmatively that I never provided written consent for any entity, creditor, or third-party data furnisher to access, furnish, or obtain my personal information o r credit file for any purpose outside the lawful parameters o XXXX the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The information referenced presents a misleading depiction of my financial responsibility. Please verify and correct the record following review.

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 2025-12-08 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USCXX/XX/XXXX.

I looked at my XX/XX/XXXX XXXX TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USCXX/XX/XXXX( e ) ( b ).

And according to 15 USCXX/XX/XXXXthey are suppose to do this (XX/XX/XXXX ) Treatment of inaccurate or unverifiable information ( XX/XX/XXXX) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XX/XX/XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (XX/XX/XXXX) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USCXX/XX/XXXXthey are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Madison Management Services, LLC
State: MI

Complaint narrative:
My Loan with XXXX XXXX XXXX XXXX XXXX XXXX  writing to alert you to a serious issue regarding your loan for the purchase of the above described vacant land Based on review of loan terms and payments, it appears that you are charging an illegally high interest rate that may be in violation of XXXX XXXX XXXX XXXX XXXX XXXX et seq. ). 
The Problem with my Loan Your loan iS in amount of {$18000.00} with an interest rate of 11 % over XXXX months. Under this agreement, your lawful monthly payment should be approximately {$350.00} Instead, i am being charged {$420.00} per month, which translates to an actual interest rate of 18.05 % -far above Michigan 's legal limit of 11 % XXXX XXXX contracts and mortgages. Unregistered lender such as XXXX XXXX can only charge 11 % as the maximum amount. Anything over 11 % is usurious and vilolates Michigan law. The lender, XXXX XXXX has unilaterally added the loan service charge of {$45.00} to My payments. However your Note and your mortgage do not require that loan service fee be paid the borrower. 
adding this additional amount XXXX XXXX is actually charging me 18 % which is illegal. 
This appears to the same tactic XXXX XXXX XXXX has used in the past, and it is likely an intentional effort to charge usurious interest rates. 
They have since transferred my loan to Madison management services llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for inaccurate and misleading credit reporting, violating FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ). 
XXXX XXXX still owns my account and confirmed verbally that the debt was NOT sold to a third party. XXXX simply collected on XXXX XXXX behalf. I paid the account in full on XX/XX/year>, and XXXX XXXX confirmed their internal system reflects a PAID IN FULL {$0.00} balance. 
However, XXXX XXXX continues to furnish inaccurate charge-off information to TransUnion and XXXX misrepresenting the legal status of the debt by reporting it as an active charge-off instead of a Paid Closed {$0.00} balance account. XXXX Different Closing Dates This negative status is false and is harming my credit. 
XXXX XXXX refuses to correct the reporting despite acknowledging the debt is paid. They also falsely stated they do not send XXXX data and refused access to their credit reporting compliance team, preventing resolution. 
Under the FCRA, once XXXX XXXX knows information is inaccurate, they must correct or delete it. They continue to knowingly furnish inaccurate data, which violates : FCRA 623 ( a ) ( 1 ) Furnishing information they know is inaccurate FCRA 623 ( a ) ( 2 ) Failure to update information found inaccurate FCRA 602 ( A ) Misrepresenting the legal status of a debt I am requesting immediate correction to reflect the accurate reporting status : Paid Closed {$0.00} Balance If XXXX XXXX can not correct the data they are furnishing, I request full deletion of the account from all credit bureaus for continued harm to my creditworthiness

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 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. XXXX of days ago I received a letter stating that you have 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 XXXX  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 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 2025-12-08 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 XXXX 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. XXXX of days ago I received a letter stating that you have 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 XXXX  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 non-monetary relief
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate and correct several inaccurate, incomplete, or unverifiable items on my credit report. I am requesting the CFPBs assistance to compel Experian to conduct a lawful, reasonable investigation and remove or correct the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Reported : {$23000.00} Issue : The account is reporting inaccurately. I dispute the balance, status, and completeness of the information. Experian has not provided documentation validating the accuracy or ownership of this account. 

XXXX Account XXXX. : XXXX Date Opened : XX/XX/XXXX XXXX Reported : {$2000.00} Issue : This account is inaccurately reported. The information is unverified and Experian has not provided supporting documentation proving the debt is mine or reported correctly. 

XXXX XXXX XXXX Account XXXX. : XXXX Date Opened : XX/XX/XXXX XXXX Reported : {$540.00} Issue : This account is unfamiliar and reporting inaccurately. No verification has been provided. I dispute the ownership and accuracy of the account. 

XXXX. XXXX Experian is reporting inaccurate and/or unauthorized inquiries. These inquiries need to be identified, verified, or removed, but no proper investigation has been conducted. 

XXXX. LATE PAYMENT REPORTING Experian is reporting late payments on the following accounts. I dispute these late payments as inaccurate and not properly substantiated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments are being reported inaccurately. Experian has not provided documentation proving these delinquencies occurred. These tradelines must be corrected or removed.

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 2025-12-08 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 you have 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2025-12-08 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. 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. XXXX  of days ago I received a letter stating that you have 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 XXXX 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 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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is violating Regulation Z XXXX by applying payments in excess of the minimum to my XXXX XXXX promotional balances and Citi Flex Plans instead of to my standard purchase balance ( 26.74 % APR ). 
Example : On my XX/XX/XXXX statement I made payments totaling over {$2000.00}. The minimum due was only a few dollars. Instead of applying the excess to my highest-APR purchase balance as required by law, Citi applied XXXX all of it tXXXX XXXX XXXX  Balance Transfer and Citi Flex Plan balances. This caused me to be charged {$43.00} + {$3.00} ( and counting ) in interest that I would not have owed if payments had been allocated correctly. 
My XXXX XXXX Balance Transfer does not expire until XX/XX/XXXX well outside the two-month deferred-interest exception. Citi Flex Plans are not deferred-interest plans.

I request : ( 1 ) reallocation of all excess payments since the problem began to the highest-APR balance first, ( 2 ) full refund of all interest charged on standard purchases as a result of the improper allocation, and ( 3 ) confirmation that future payments will be allocated in compliance with federal law.

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