vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank imposed undisclosed deferred-interest charges on my CareCredit account and charged me for a Payment Security program that did not apply to my situation. None of the key terms were ever explained verbally, in writing, or by email. During this period, I was undergoing a XXXX XXXX for a XXXX XXXX in my XXXX making it impossible to evaluate complex terms even if they had been providedbut they were not. The retroactive interest was completely unforeseeable. 

I was told the financing was XXXX year interest free, with standard interest afterward. No one ever disclosed that it was a deferred-interest plan or that failing to pay the exact remaining balance by the expiration date would trigger retroactive interest from the original purchase date. I searched my records and received no disclosures of any kind. I would never have accepted this structure ; I could have used a regular credit card for far less total interest. 

When the promotion expired in XX/XX/year>, Synchrony added {$6000.00} in retroactive interest, causing my balance and minimum payments to spike. This was the first time I learned retroactive interest even existed on this account, and it has continued generating new interest charges each cycle. I was also charged {$160.00} per month for Payment Security ( I believe about {$2600.00} YTD ) without being told that self-employed individuals do not qualify for the programs primary benefit ( balance cancellation ). The coverage I believed I was paying for never applied to me. 

These practicesundisclosed retroactive interest, charging for inapplicable Payment Security, and doing so during medical hardshipcaused severe financial harm. I have now lost my job and am on the edge of bankruptcy. I would never have agreed to this credit had any of these terms been disclosed. 

When I've explained this to them, they simply said it was listed in my monthly statement. However, I had my account set to autopay every month, and there was no reason for me to go back and re-read the fine print.

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 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I dispute this debt under FDCPA 1692g ( b ) and request full validation.

This filing serves as my written dispute within the statutory 30-day period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

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 & 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 2025-12-04 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: TX

Complaint narrative:
I do not have any ties to these accounts ; they need to be taken off within 15 days per USC 1681g.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed all of my accounts after requesting identity verification related to my XXXX XXXX Capital One Visa. I submitted the documents exactly as instructed, but instead of completing the review they abruptly closed every account on my profile and provided no clear or specific reason. I was not given an opportunity to correct or clarify anything, and Capital One has refused to explain what suspicious activity they relied on despite multiple requests. There was no fraud on my end and no unauthorized activity on my accounts. I was unable to answer capital ones phone call to verify my identity because I was in a meeting. I called them back and was told I would receive another call but shortly after they abruptly closed my accounts. This closure has caused financial harm and appears to be the result of an internal error or incorrect identity match. I am requesting that Capital One provide a detailed explanation of the decision, review the identity documentation I already submitted, correct any inaccurate information they relied upon, and reinstate my accounts if no valid fraud exists.i recently made two large payments and its suspicious to me that Capital One closed these accounts as those payments were pending. This looks to be retaliation for credit cycling which is just me paying my bills timely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Based on my XXXX  report ( XX/XX/2025 ), I dispute the following items as inaccurate/incomplete or not fully verifiable : XXXX XXXX XXXX XXXX 3 missed payments on a closed account. 
XXXX CAPITAL ONE BANK XXXX  1 missed payment while showing currently on-time. 
XXXX. XXXX, XXXX 3 missed payments while showing currently on-time. 
Please comply with FCRA 611 ( 15 U.S.C. 1681i ) by conducting a reasonable reinvestigation and provide the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) ) including the documents relied upon. 
Any entry that can not be fully verified or is inaccurate, outdated, duplicated or misreported must be deleted or corrected ( 611 ( a ) ( 5 ) ). XXXX must also ensure maximum possible accuracy under 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
on XXXX XX/XX/year> I paided for a cleaning service for my home for {$250.00} using CashApp to account XXXX XXXX ( CashappXX/XX/XXXX). On the day of service which was XXXXXX/XX/XXXXXXXX she was a no call no show. I reached out to her and she said her son was in theXX/XX/XXXXand wanted to come tomorrow. I stated no and that I wanted a refund. She then blocked me on XXXX and via Text Phone Number. 

I then files a local XX/XX/XXXXXXXX I then reached out to CashApp for a refund. My CashApp account is XX/XX/XXXX Cashapp doesn't seem to have like a customer service to call. 

Still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

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 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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am submitting a new complaint because the prior response from Transworld Systems Inc. ( TSI ) did not address the core issues and did not provide legally required validation of the alleged XXXX utility debt. 

The documentation TSI provided shows XXXX stating : There is no final bill available. Without a final bill, the balance being reported can not be verified or substantiated. TSI did not provide any billing history, itemized charges, service records, contract, signed agreement, or chain of assignment. 

In addition, the alleged account is linked to an address where I never had XXXX service. That location has always been serviced by a different utility provider ( XXXX XXXX ). I lived in another state during the dates of alleged service and previously provided proof of residency to TSI, but they continued reporting the account.

The account is also being reported with three different balances and three different account statuses across the credit bureaus, which violates FCRA accuracy requirements. 

Because XXXX does not have a final bill and can not verify records prior to 2018 without a subpoena, TSI could not have received proper validation. Reporting a balance that can not be verified is inaccurate and misleading. 

I am requesting further review because this alleged debt remains unverified, is tied to the wrong service address, and is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion continues to report two charged-off accounts from XXXX XXXX XXXX and XXXX XXXX as verified, even though they are closed and should not be showing ongoing late payments. Both creditors have reported these accounts as charged off but have not issued a 1099-C for cancellation of debt as required under IRS regulations . I have already submitted disputes and provided my FTC Identity Theft Report. Despite this, TransUnion has failed to correct or permanently remove the inaccurate tradelines. I am requesting that the CFPB ensure TransUnion fully investigates and deletes these unverifiable charged-off accounts in compliance with the Fair Credit Reporting Act ( FCRA 605B, 611 ( a ), 623 ( a ) ( 1 ) ( A ) ).

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 2025-12-04 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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-12-04 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: TX

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-12-04 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My wallet was stolen from gym locker which had DCU ( Digigtal Federal Creditr Union ) Debit card along with other cards and IDs. There are two fraud transactions made on DCU Debit Card, each with amount of {$300.00} from XXXX XXXX XXXX in XXXX, IL. 

Bank Name : Digital Federal Credit Union ( DCU ) Account Type : Checking Case Numbers : XXXX, XXXX, XXXX Police Report Number : XXXX Date of Fraudulent Transactions : XX/XX/XXXX ( Pending ), XX/XX/XXXX ( Confirmed ) Amount in Dispute : {$610.00} ( two transactions each {$300.00} ) I filed police complaint with " City of XXXX '' police department. Officer Name = XXXX XXXX, Batch # XXXX. Police report # XXXX. 

I promptly reported stolen card with DCU as well. 

[ XX/XX/XXXX ] Card stolen between XXXXXXXX XXXX  and XXXXXXXX XXXX XXXXXXXX ; immediately reported to DCU ( Case # XXXX ). Email Notification for case received - Thu, XXXX XXXX at XXXX XXXX 

[ XX/XX/XXXX ] Received fraud alert call. Called back and confirmed transactions were not mine. Voicemail Screenshot can be provided. 

[ XX/XX/XXXX ] Called Bank in the night and pointed out the transactions showing in my account. The Customer Service representative told me that she can not help me since Transactions are in Pending status. So I have to call in morning. 

[ XX/XX/XXXX ] Called again when transactions appeared ; dispute raised ( Case # XXXX ). Email received - Fri, XXXX XXXX at XXXX XXXX  [ XX/XX/XXXX ] Submitted online dispute with police report ( Case # XXXX ). Email received - Sat, XXXX XXXX at XXXXXXXX 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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
A debt is being reported or attempted to be collected under KIA FIN AM with account number XXXXXXXX XXXX XXXX XXXX XXXX I have not received any proper debt validation notices, and I have never been provided with documentation confirming that this debt is legitimate or belongs to me. The failure to provide verification raises concerns about the accuracy and legality of this reporting.

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 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you revisit this entry? I completed it late and it might be off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: AZ

Complaint narrative:
I had a business account with Relay Finance, including both a checking and a savings account. This account was being used for my recently started small home repair business. I used the Relays get paid feature to invoice a client for a small amount of XXXX dollars for a quick job at their XXXX house. That was my first time using the get paid feature. After the client made the payment, Relay froze my account due to that transaction. Without providing any reason for that, the compliance team demanded that I submit bank statements from both my personal joint checking account and savings account. None of these accounts was associated with the transaction in any way. In fact, none of these accounts had ever interacted with Relay. I declined to provide the documents as I consider this a violation of my privacy. The compliance team closed my account and is now holding the funds I had in it, with no indication of when I will receive my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I responded to ONLINE INFORMATION XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX by mail on XX/XX/XXXX, Re : XXXX ( XXXX XXXX XXXX ) Amount Owed {$100.00}, and I identified the debt as false in a response package sent by certified mail and delivered on XX/XX/XXXX @ XXXX XXXX. I did not have any responsibility for the debt 2. I never had a verbal or written account contract of service.

3. I was not a resident at that address at the time listed on the claim for the service. 


On XX/XX/XXXX I filed a report to the FTC, report number : XXXX. 
On XXXX/XXXX/XXXX I filed a backup report to FTC. 
On XX/XX/XXXX another round of disputes was filed by XXXX XXXX. 
Collections has continued to post this debt on my credit report. Knowing that I have willingly provided the proof of my resident regarding the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint because a credit bureau has placed a lock on my credit report without my consent and has refused to unlock it, preventing me from accessing information that I pay for through their monitoring service. 
In XX/XX/year>, I was informed by a representative that the documents needed to verify my identity and unlock my report were received. Despite this, my report remained locked. On XX/XX/year>, I sent the same documents again. I later spoke with a representative named XXXX ( ID : XXXX ), who refused to provide me access to my report and claimed they had not received my documentscontradicting earlier confirmations from their own staff. 
Because of the lock, I have been unable to view or monitor my credit report, even though I am paying for credit monitoring services. This has caused significant hardship, especially because I was recently in a serious accident and lost my car. I urgently need access to my report to confirm that all information is accurate and that previously disputed inaccurate items have been corrected. However, no updates have been made, and I remain completely locked out. 
I am requesting the CFPBs assistance in requiring the credit bureau to : Immediately unlock my credit report or provide a valid explanation for the lock. 
Acknowledge receipt of my identity verification documents. 
Restore my access to the credit monitoring services I am paying for. 
Ensure that all disputed or inaccurate information is reviewed and corrected. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation