vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$190.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$12000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I completed a balance transfer from Avant to a new card with XXXX. It was for {$480.00}, which would have paid off my full balance with them. I cancelled my minimum payment with them at that time because I had a full month before my next billing cycle and was told it would take up to 10 business days. About 15 business days later I call to find out why it has not reflected yet. They said it could take 30 business days. I wait again. It still does not reflect. We discover that the address on the Avant website was not the correct one for these payments. So I get the correct address from Avant. I give it to XXXX. XXXX  sends payment again and tells me XXXX business days. I wait, and still nothing. XXXX  confirms that it was completed on their end. XXXX  says it will still take more time and assures me that it will be completed by XX/XX/XXXX. It is now XX/XX/XXXX. Nothing has happened, and they have charged me a new late fee, interest, and a monthly fee that I should not be responsible for because they refuse to get this payment processed or even speak with me about it. I have called in probably a dozen times now. The number they tell me is for the credit card department ( XXXX ) always apparently goes to a loan department and they can never help me. They tell me they will transfer me to the credit department. Then they come back saying there is no one available and that I should call them directly, and they give me that same number all over again. I have asked to speak to supervisors, and they also say there are never any supervisors available. So they are literally preventing me from even being able to speak with anyone about this issue. So I now have two different credit cards with the {$480.00} balance. I am making payments to XXXX since it was already transferred but Avant refuses to pay off that balance that XXXX sent them. I have tried everything over the phone, and now have sent an email today too. I really have no idea what else to do at this point, and will now have another late fee charged to me on XX/XX/XXXX if this is not paid off. Please have someone contact me ASAP so I can finally be done with this. Everything their company is doing in the way they are handling this makes me think they are doing it on purpose in order for them to stack up interest and fees with me. But this payment was submitted twice, and confirmed on the second one that it was completed by the other company, XXXX. I can have them submit documentation if needed as well. Thank you very much for you time. I am sorry for the length but this has been a very unnecessarily difficult saga with Avant and they are being completely useless and honestly, fraudulent in their attempts to not complete this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
have investigated my Transunion credit report ( XXXX XXXX : XXXX, Date Created : XX/XX/XXXX ). My Transunion Credit Report is still showing inaccurate data for XXXX XXXX  Account reported in my Credit Report. Under " 15 U.S. Code 1681e ( b ) 'Accuracy of Report ' '' essentially states that whenever a consumer reporting agency prepares a consumer report, they must follow reasonable procedures to ensure the maximum possible accuracy of the information included about the individual ; Purpose : To require credit reporting agencies ( CRAs ) to implement reasonable procedures to guarantee the accuracy of consumer reports they generate. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Accurate reporting of the date of first delinquency is essential to ensure that consumers are not penalized with negative credit reporting for longer than the seven-year period allowed by the FCRA. Importance of Accuracy : The date of first delinquency is crucial because it dictates the seven-year window for negative information to remain on a credit report, according to the FCRA Please see the errors in XXXX XXXX  Account on my TRANSUNION credit report. Please find herewith in attachments : XXXX XXXX : XXXX, Date Created : XX/XX/XXXX ). Account Name XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  PLEASE SEE PAGES XXXX AND XXXX IN MY TRANSUNION CREDIT REPORT IN ATTACHMENTS WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX BANK ACCOUNT XXXX XXXX XXXX XXXX XXXX THIS XXXX XXXX  ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), " PAYMENT HISTORY '' DATA, " DATE OF FIRST DELINQUENCY '' DATA, " REMARKS '' DATA ARE INACCURATE. PLEASE SEE MERRRICK_SUPPORTING DOCUMENTS IN ATTACHMENTS. THIS XXXX XXXX  ACCOUNT WAS PAST DUE IN XXXX AND IT HAS NOT BROUGHT CURRENT IN XXXX, AS SHOWING IN MY TRANSUNION CREDIT REPORT. DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION 15 USC 1681e ( b ).

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XXXX2025 I mailed a request for validation for a derogatory account. The letter was sent via certified mail and domestic return receipt. The letter was received and signed for. However, I did not receive any response or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last year, our customer hired us to XXXX XXXX XXXX XXXX XXXX XXXX The cost of the project was {$14000.00}, and they paid a deposit of {$7000.00} with a credit card. We completed the job in XXXX and finished on XX/XX/XXXX. The customer paid the balance of {$7000.00} with a check to our supervisor, who subsequently provided the check to us. 
We deposited the check into our business account on XX/XX/XXXX, along with other checks. In XXXX, the customer contacted us, stating that the check had been deposited twice, resulting in the withdrawal of {$7000.00} from their account twice. We assured them that we had only deposited the check once and provided proof of this. The customer filed a police report, and we cooperated by providing the necessary details. The customer informed us that the case was resolved as their bank, XXXX XXXX refunded the {$7000.00} mistakenly withdrawn. 
However, in XX/XX/XXXX, {$7000.00} was withdrawn from our Chase account. We received a letter from Chase stating that they withdrew the check because the original account from XXXX XXXX  was closed. In XX/XX/XXXX, we contacted Chase and were instructed to deposit the e-check attached to the letter, which we did. Unfortunately, the money from the e-check was also withdrawn, accompanied by another letter explaining that the original account from XXXX XXXX  was closed. 
We reached out to Chase again, and they opened a case for this situation and assigned a team to work with XXXX XXXX. Despite their efforts, they have not been able to communicate effectively with XXXX XXXX  or obtain any information or resolution regarding this matter. 
At this point, we have exhausted all resources and have not found any solution. We are contacting you in hopes of receiving guidance or assistance to resolve this issue. Your help would be invaluable in navigating this complex situation and restoring the withdrawn funds to our business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I filed XXXXXXXX XXXX in XX/XX/XXXX. I was threatened with foreclosure on my mortgage also. The servicer failed to abide by the automatic stay. I was foreclosed upon in XXXX. My XXXX XXXX  was XXXX. I kept my home and continued paying my mortgage. I had a modified XXXX XXXX and I then reapplied for a new one for the same home. They tacked on additional fees and their legal fees. I do own my home. I pay taxes. I have been consistent with my monthly payments since the issue prior to the XXXX financial problem had to do with threats from XXXX servicer. 
I as thXXXX XXXX XXXXXXXX owner and the Home owner deserve to have my mortgage payment acknowledged on my three credit reports. I should have dignity restored from what they have done. The servicers traumatized me with their threats, lies and legal actions they imposed on me. I deserve respect restored from that since I have been been consistent with my payments to Carrington Mortgage Company. My discharge from XXXXXXXX XXXX XXXX  was in XX/XX/XXXX. 
I feel as I complained before that their ( servicer ) bank attorney is threatening me yet with fees already paid in the foreclosure. They are violating my contract rights, my legal discharge my homeowner rights and my right to prosper and have dignity. I am making my payments and Carrington Mortgage is obstructing me from proper credit reporting. I have complained about XXXX  & their attorney that abused me breaking laws. 
Please help. This is upsetting to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

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 2025-05-05 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure their accuracy. here are the items I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: NE

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-05 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: PA

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

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 2025-05-05 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: PA

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

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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a formal complaint against Care Credit SYNCB due to numerous unethical and predatory financial practices that have caused significant hardship and frustration. Specifically, I have experienced the following issues : - XXXX XXXX XXXX Care Credit SYNCB imposes excessively high interest rates, often structured in a way that prevents customers from effectively paying off balances. Many consumers are misled into believing they are receiving interest-free financing, only to be hit with retroactive interest charges if the balance is not paid in full by the end of the promotional period.

- Long-Term Inaccurate Credit Reporting Despite my efforts to manage my account responsibly, Care Credit SYNCB has reported inaccurate and misleading information to credit bureaus. These inaccuracies have negatively affected my credit score, limiting my ability to obtain necessary financial opportunities.

- Harassment I have received excessive and unwarranted communication from Care Credit SYNCB, including repeated calls and notices regarding my account that have caused undue stress and inconvenience.

- Refusal to Provide Account Details Despite multiple attempts to request account information through phone and electronic communication, Care Credit SYNCB has refused to provide any details regarding my account status. This lack of transparency has prevented me from managing my finances effectively and resolving any outstanding issues.

- Deceptive Enrollment Practices Care Credit SYNCB has a history of misleading consumers during the enrollment process. Many customers were signed up for financing plans without fully understanding the terms, leading to unexpected interest charges and financial hardship.

- Consumer Complaints and Regulatory Action Care Credit SYNCB has faced numerous complaints from consumers regarding unfair lending practices, unexpected fees, and poor customer service. In fact, the CFPB previously ordered Care Credit to refund {$34.00} XXXX to consumers who were misled about their financing terms. 


These practices are deceptive, harmful, and unacceptable. As a consumer, I have the right to receive accurate credit reporting, fair lending terms, and reasonable communication regarding my account. I request that the CFPB investigate Care Credit SYNCB and take appropriate action to ensure they comply with consumer protection laws and fair lending practices. 
I appreciate your attention to this matter and look forward to a resolution. Please let me know if any further information is required to support this complaint. 
Sincerely,

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 2025-05-05 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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