vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing a $ XXXX deferred interest charge added to my CareCredit account after I missed the promotional payoff deadline by a short time due to extreme hardship. Ive been dealing with serious medical issues, a divorce, and caring for small children. I asked for a hardship program or extended repayment option, but Synchrony Bank only offered a XXXX extension and refused to help further. 

I am requesting a waiver of the deferred interest or a hardship repayment plan to settle the balance in good faith. I was not notified of any formal hardship review process beyond what the call center could offer. Please assist in reviewing this situation fairly.

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 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am a resident in XXXX, XXXX  a home previously owned by my late grandmother. After her passing, I continued living here with my aunt, who is XXXX and unable to relocate. The home was inherited by her XXXX children, including my father, who was later appointed as the court-authorized executor of the estate. The mortgage is serviced by Select Portfolio Servicing ( SPS ). 

Following her passing, we continued making automated mortgage payments directly from the bank account. We did not immediately notify SPS of her death because the loan was being paid on time and we werent actively checking mortgage statements. At some point, SPS raised the monthly payment, and because we werent aware, the automated draft bounced. This single event triggered a default, and from that point on, SPS refused to accept any further payments partial or otherwise. 

When we informed SPS of my grandmothers death, they refused to communicate with my father until he was officially named executor, and even then, we received confusing, inconsistent, and delayed instructions on how to make payments. For example, they failed to tell us that we could send a cashiers check until long after payments had already been rejected. 

When we tried to resolve the issue, SPS asked for income verification, ID, and occupancy documents which we submitted multiple times. They repeatedly claimed documents werent received or were too blurry, and despite our efforts, they never considered our income or credit. We were told they simply werent interested in offering assumption or workout options saying it wasnt worth it to them. 

During this process, SPS was dual-tracking pushing foreclosure forward while supposedly reviewing our requests for assumption or resolution. We were never given a formal denial letter, no appeal window, and no explanation from the loan owner. 

This conduct appears to violate federal servicing standards under RESPA and 12 CFR 1024.41, including : Failure to provide clear or accessible communication following default Refusal to accept partial or good-faith payments Dual tracking while loss mitigation was under review Failure to treat the estate executor and heirs as successors in interest Misleading document handling and deliberate obstruction of resolution efforts My aunt is permanently XXXX, and this home is our only stable housing. SPSs servicing failures especially the handling of our documents, lack of transparency, and refusal to work with the estate are directly contributing to housing insecurity and the potential loss of our family home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-07-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX I have filed bankruptcy all the accounts that are on my credit report from my bankruptcy and are not updated. They are showing that I have delinquency late payments outstanding balances nothing has been removed from my credit report. I have contacted all three credit bureaus they have not done anything and keep telling me that is accurate information. I also submitted documents stating that when I was discharged from bankruptcy. I do need some help. I'm trying to buy a home and I can't handle these on my credit report. No one is helping me to fix it.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX I have filed bankruptcy all the accounts that are on my credit report from my bankruptcy and are not updated. They are showing that I have delinquency late payments outstanding balances nothing has been removed from my credit report. I have contacted all three credit bureaus they have not done anything and keep telling me that is accurate information. I also submitted documents stating that when I was discharged from bankruptcy. I do need some help. I'm trying to buy a home and I can't handle these on my credit report. No one is helping me to fix it.

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 2025-07-30 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: MI

Complaint narrative:
XXXX XXXX I have filed bankruptcy all the accounts that are on my credit report from my bankruptcy and are not updated. They are showing that I have delinquency late payments outstanding balances nothing has been removed from my credit report. I have contacted all three credit bureaus they have not done anything and keep telling me that is accurate information. I also submitted documents stating that when I was discharged from bankruptcy. I do need some help. I'm trying to buy a home and I can't handle these on my credit report. No one is helping me to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
Credit card provider continues to knowing send emails and communication regarding the suspension of this card which is misleading as this card/account has already been closed. The last payment that was made on this account put my account below the limit and when I reaching out regarding usage up to the balance was advised that the account was closed. Ive reached out to the provider regarding this over a month ago in which they took accountability for the contradictory information regarding making a payment to utilize the card or have the suspension removed and the account being closed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: WV

Complaint narrative:
On June 24th I contacted chime regarding 87 transactions on my account to a company called XXXX that I did not make or authorize in any way. On XX/XX/XXXX I received an email stating no error occurred and my claim was denied with no reason given. I asked for documents be provided to me that they used in determining denying my dispute. Was told it would take up to 7 business days to receive. On XX/XX/XXXX i called Chime to have my claim reopened and provided all emails between myself and the merchant XXXX showing that I did not have an account with them and that my bank would need to dispute the charges to get my money refunded. XX/XX/XXXX my claim was denied again. On this day I also received an email with the documents that Chime used in their original investigation that determined their reason for denial and all that is included is the statement that was made by me in the primal claim submission on XX/XX/XXXX along with the copies of the emails and documents I provided in support of my claim and a list of the transactions that were being disputed. Thats all that was provided so basically once again no reason was given. XX/XX/XXXX a second rebuttal dispute was opened and this time it was on the 10 business days when I should have been receiving a temporary credit for the disputed amount that I received an email my dispute was denied again with once again no reason. Three disputes filed and each time XXXX business days starts over for the temporary credit ( now totaling 30 ) and I still have not got my money back. I have sent emails to the CEO of chime emails to XXXX XXXX  as well as consumer services agency and of course chime support and have received no responses. I am in jeopardy of losing my home as well as financially struggling all around due to this mess. XXXX has confirmed that no one has contacted them from Chime! I forwarded emails from XXXX directly confirming my card was used with their company on an account with them that was not registered and verified in my name. My card info was used on a XXXX account in someone elses name. XX/XX/XXXX chime denied and closed my dispute again with no detailed explanation and I still have not received any of my money back. I have contacted the ceo of chime by email I have contacted XXXX XXXX, fdic, etc. I filed a letter of intent for arbitration and sent to chime with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: SC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Immediate Deletion Requested To Whom It May Concern : I am writing to dispute the inaccurate reporting of an account listed under your company, Plaza Services LLC, on my credit report. The account in question is being inaccurately reported as closed while simultaneously showing a balance owed. This is factually and legally incorrect.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of credit information have a legal obligation to report only accurate and complete data.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified as accurate, the credit reporting agencies must promptly delete that information from the consumers file.

15 U.S.C. 1681e ( b ) : Credit information must be reported with maximum possible accuracy. 

Reporting a balance on an account that is marked closed is a direct contradiction and therefore a violation of these provisions. A closed account should reflect a {$0.00} balance if no longer active or collectible. If it is not closed, it should not be marked as such. This inconsistency is misleading and negatively impacts my credit profile. 

As such, I am formally demanding that this account be immediately removed from all of my credit reports ( Experian, Equifax, and TransUnion ), as it is being reported in violation of the FCRA. 

If Plaza Services LLC can not verify the correct and accurate status of this account, you are legally required to delete it entirely from all reporting systems within 30 days of receiving this letter. I am requesting written confirmation once this correction or deletion has been completed.

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> 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 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any
reinvestigation under paragraph ( 1 ) 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 ( i ) 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 ( ii ) 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 USC 1681s-2 they 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 2025-07-30 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: NC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My credit card # was scammed and my email was hacked on XX/XX/year>. Card was used to make several purchases, all charges were credited except for one {$250.00} to XXXX XXXX in which the hacker used my email and cc to purchase an e-gift card. Never received the original email which was addressed to an unknown name. Credit card company keeps saying after investigation the charges are valid because it was sent to my e-mail and I am responsible to pay. I never received this e-gift card. the scammer did. The gift card was used in store on XX/XX/year>, most likely in XXXX XXXX since there are no XXXX XXXX stores in XXXX. I keep battling with the credit card company because I refuse to pay this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am requesting that Innovis lift the security freeze on my credit file. I have submitted the required identification documents, including a copy of my Social Security card and driver 's license, to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AZ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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