vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Account is current and not pasted due and amount and balances is not updated after months and should of been reported with updated accuracy.

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 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint regarding deferred interest charges added to my Synchrony Bank account ending in XXXX. 
Several years ago, I made a purchase under a no interest if paid in full by financing offer. Unfortunately, I did not have access to my online account or statements during the promotional period and therefore never received notice that the promotion was expiring or that interest would be charged retroactively. 
Once I regained access, I discovered that deferred interest had been added to my balance. I immediately contacted Synchrony and spoke with multiple representatives and managers. Each told me that no one had the authority to remove or reduce the charges, adjust the APR, or escalate further. During one escalation attempt, my call was disconnected and I was never contacted again.

I have always paid responsibly and in good faith. This situation is not the result of late or missed payments, but of lack of access and inadequate notice. I am requesting that Synchrony conduct a fairness review through its Executive Response Unit and provide a one-time goodwill adjustment or partial removal of the deferred interest charges.

I am also asking that Synchrony clarify why no notice of the promotional expiration was sent and why customer service was unable to provide a viable escalation path.

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 2025-10-19 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: CA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report 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 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I do not owe this debt Ive never done business with this company before and I want the debt removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, I visited the Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX XXXX, Michigan, to withdraw a large sum of money from my account. Although the funds were fully available, the branch manager refused to complete the withdrawal, stating that it was bank policy not to release funds that had recently been transferred from another account.

I asked her to show me the written policy, but she was unable to provide one. Instead, she advised me to withdraw money from the ATM, which I found unacceptable given the size of the transaction. I then drove several miles to another Bank of America branch, where I was able to withdraw the same funds without any issue or policy restriction.

Afterward, I returned to the original branch to ask again for the policy reference. The manager could not produce it and instead gave me the contact information for her supervisor. I later spoke with the Vice President for that area, who apologized and confirmed that no such policy exists. He stated that the manager had been overly cautious and acknowledged that her actions were inappropriate.

During the incident, the manager also commented that there have been a lot of scammers lately. I found this statement offensive and felt that she was making an assumption about me based on my appearance. While the Vice President apologized, I remain deeply embarrassed and humiliated by how I was treated.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went to bank to loan and say I can't loan say I owe loan student or loan I told I never went to school or I don't know how to laptop or company never in my life I am low not intelligent person because someone stolen my purse and wallets and my bag information that's why yes I did report to police long time ago please help me I never loan and check my account in my bank or pls investigate I am being honest to God pls email to me information and I will make layway monthly alittle I am on XXXX benefits ok my email is XXXX asap thank u my social security 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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sunbit, Inc.
State: IN

Complaint narrative:
Refuse to move inaccurate information off my credit, nor was I sent validation showing that this account had been validated. Sunbit stated that XX/XX/XXXX days late XXXX and XXXX. After making all of my payments on time all of a sudden in XXXX I could not use the same bank account that I had been using since I obtained the loan. It took many customer service Representatives and lastly a XXXX to fix how to make XXXXXX/XX/XXXX payment XXXXXX/XX/XXXX payment was made on XX/XX/XXXX as you can see what's my last payment I had XX/XX/XXXX days to make the XX/XX/XXXX payment, and it was paid on XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-19 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: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-19 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: MD

Complaint narrative:
XXXX, XXXX pertaining to FCRA ( 15 U. S. C. 1681s-2 ) XXXX  has 3 accounts on my report and illegally reporting false information and this information must be removed immediately XXXX XXXX XXXX XXXX EXPERIAN XXXX  and XXXX  are all acting in concert and a lawsuit will follow if this isnt 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 2025-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Sent remittance coupon and bond properly endorsing and confirming receipt of tender only to be told company doesnt accept this form of payment violating XXXX XXXX of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/year> my credit card number was used for the XXXX XXXX XXXX to charge {$450.00} for six tickets and another transaction of {$450.00} for another six tickets. I notified the credit card company, Barclays and they put a temporary hold until it was investigated. They got back to me and said the merchant said the charges are valid. They are not. I received two separate e-mails with the tickets from the zoo. They were sent to a different e-mail address that I have, not my primary one.

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 2025-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have sent numerous letters and made several calls. Not only to the XXXX major credit bureaus, XX/XX/XXXX, and XX/XX/XXXX ; I have also called the collection companies to no avail. How can these companies affect my credit and when trying to investigate there is XXXX communication. According to U.S.C ( XXXX ) I have the right to request verification of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: SC

Complaint narrative:
I sent for my credit file to be investigated due to the credit breaches and inaccurate amounts on my credit file, and they did not accurately investigate what was on my credit profile.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
I leased a vehicle through Ally Bank from XX/XX/XXXX to XX/XX/XXXX with a total credit of {$13000.00}. I paid all lease installments except the last one, which was paid by XXXX XXXX XXXX in XXXX, Maine as part of a lease buyout. 

The buyout amount was {$18000.00}. The dealerships initial check was returned, but the amount was successfully paid by ACH on XX/XX/XXXX. After this payment, I received no further communications from Ally Bank. I believed the account was fully settled. 

In XX/XX/XXXX, while applying for a mortgage, I discovered that Ally Bank was still reporting a balance of {$39000.00} to XXXX, XXXX, and XXXX, and that the account was not reported as closed. This is inaccurate, as I have no remaining balance and the vehicle was sold by the dealership to a new owner. 

I have disputed this with the credit reporting agencies multiple times : XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX I also sent letters directly to Ally Bank on XX/XX/XXXX and XX/XX/XXXX requesting that they correct the error and close the account, but I never received any response. 

I called Ally Bank several times in XXXX, XXXX, XXXX, and XX/XX/XXXX, and each time was told that I had no outstanding balance and was no longer in possession of the vehicle. I submitted this information to the credit bureaus, but the account was closed and then reopened again with a {$39000.00} balance. 

This incorrect reporting has caused a significant drop in my credit scores, affected my ability to qualify for a mortgage, and caused emotional distress and XXXX. 

I am requesting that Ally Bank : Correct the account to reflect {$0.00} balance and closed status ; Provide written confirmation of account closure ; and Notify the credit reporting agencies to remove or correct the inaccurate reporting. 

This is a clear violation of the Fair Credit Reporting Act and furnisher responsibilities. I have attached all supporting documents, including payment proof, lease information, dispute records, and correspondence with Ally Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX [ XX/XX/XXXX ] To : Experian XX/XX/XXXX XXXX TransUnion XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Formal Dispute Request for Deletion of Inaccurate Accounts due to Data Breach To Whom It May Concern, I am writing to formally dispute and request the deletion of the following accounts listed on my credit report, which I believe to be inaccurate and compromised due to a data breach involving TransUnion : XXXX XXXX XXXX Account # XXXX XXXX Bank XXXX Account XXXX XXXX These accounts were exposed as part of a known data breach, and I have reason to believe that my personal data was compromised as a result. In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or fraudulent information on my credit report. 
I request that these accounts be thoroughly investigated and removed from my credit file if they are found to be a result of fraud or unauthorized access. I have enclosed a copy of my government-issued ID and a utility bill for identity verification. 
Please conduct your investigation and respond within the XXXXday window required by law. I would appreciate a confirmation of the removal or the outcome of your investigation in writing once it is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Signature ] XXXX XXXX XXXX ( XXXX ) : XXXX DOB : [ XX/XX/XXXX ] Email : 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 explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
Filed Borrower Defense in XX/XX/XXXX : # XXXX ( XXXX  ) and # XXXX ( XXXX ). Cases show In Review. My loans are still accruing interest. DOE announced a court injunction ( XX/XX/XXXX ; guidance XX/XX/XXXX ) pausing adjudication, but my servicer hasnt placed my loans in administrative forbearance or paused interest.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: SD

Complaint narrative:
Property purchased was not fully in control by previous owner. Multiple Assets of Property not turned over when property was purchased ( by XXXX XXXX XXXX. Original Title of Deed was not correctly completed, numerous complications. XXXX years of XXXX XXXX as Defendant for XXXX separate, ( all concering current Home, different portions in an attempt to to have property relinquished, possible for subdivision or other business ventures ) Mortgage Co has not and appears will not respond ( as legal property owners ) causing extensive loss. With more loss possible. XXXX of the XXXX cases are ( per my legal representation as defendant ) being or on the So XXXX XXXX Court Docket ( Legal fees sole mine. ).

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 2025-10-19 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: MO

Complaint narrative:
I am writing to dispute inaccurate account information. Failure to provide accurate credit reporting, Failure to perform a reasonable investigation, Failure to provide proper debt validation documents. Failure to provide method of investigation. I am demanding XXXX XXXX remove all 3

accounts immediately. Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the Hard Inquiries.

If you do not have any documentation in your files to verify the Hard Inquiries, and accuracy of this disputed Hard Inquiries, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15U.S.C. 1681i, all unverified accounts information must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt. Of this letter then you must remove the Hard Inquiries from my credit report.

Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate and fair. Please re-investigate and remove all accounts that can not be verified. I have provided attachments clearly identifying the inaccuracies on XXXX, XXXX, and Transunion credit reports.

Requested remedy : I am requesting that XXXX XXXX provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies.

1. Accurate and Fair Investigation 2. Method of investigation : Names, Notes, Phone calls

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 2025-10-19 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: MO

Complaint narrative:
I am writing to dispute inaccurate account information. Failure to provide accurate credit reporting, Failure to perform a reasonable investigation, Failure to provide proper debt validation documents. Failure to provide method of investigation. I am demanding XXXX XXXX remove all 3 accounts immediately.

Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the Hard Inquiries.

If you do not have any documentation in your files to verify the Hard Inquiries, and accuracy of this disputed Hard Inquiries, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15U.S.C. 1681i, all unverified accounts information must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt. Of this letter then you must remove the Hard Inquiries from my credit report.

Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate and fair. Please re-investigate and remove all accounts that can not be verified. I have provided attachments clearly identifying the inaccuracies on XXXX, Equifax, and XXXX  credit reports.

Requested remedy : I am requesting that XXXX XXXX provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies.

1. Accurate and Fair Investigation 2. Method of investigation : Names, Notes, Phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Chime Financial Inc
State: FL

Complaint narrative:
The cancellation was triggered within seconds. The claim that the restaurant had begun preparation is false. As a former XXXX XXXX I know XXXX order queue structure its automated, not immediate manual prep. This constitutes deceptive fee collection.

Company response to consumer: Closed with explanation