vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year> I paced an order on XXXX of {$50.00} for a Rust-Oleum Concrete and Garage Floor Paint and Primer 1-part Clear Epoxy Concrete and Garage Floor Paint ( 1-gallon ). 
The item was supposed to be delivered at XXXX XXXX XXXX, XXXX GA XXXX on the same date : XX/XX/year>. 
I received a called from a store XXXX who asked for address confirmation, and I was I confirmed. Few minutes later the store XXXX sent me a message that the item was delivered at an office. 
Surprised, I reached back to XXXX and reported that the address is a House and there is no office. I then told XXXX that they delivered the item at the wrong address and location. XXXX acknowledged the report and agreed to refund the money. Few days later I still did not receive my refund. I then Contacted the credit card service of XXXX to open a dispute for a refund. 

I want to call out that the credit card company is XXXX 's Rewards Credit Card which appears to be protecting XXXX than being fair on the treatment of issue or charge between XXXX and its customers. 

When I contacted the credit card company they reported that they are still investigating the issue. after few days I received a message that the case was closed and I am responsible for the payment without any other information. the same credit card company never reached out to me to better understand or ask for any. proof which I am sharing here with my case. 

I believe the credit card company unfairly treated my case and deliberately made a decision to hold me responsible for something I never received due to the company own fault.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries in my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : 1. XXXX XXXX EQUIFAX 2 . XXXX XX/XX/XXXX EQUIFAX 3. XXXX XX/XX/XXXX EQUIFAX 4. XXXX XXXX EQUIFAX 5 . XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Specific Violations of the FCRA and Legal Basis : 1. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
2. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision. 
3. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
I had a medical debt ( that i disputed with both the hospital and the insurance, as i felt i was being double-charged ) that went to collection. 

I have since been unduly hounded by this collection company. I felt like they were calling so much, despite my repeated ( twice repeated ) request for them to stop calling. Finally i thought, let 's check the website to see if there are any rules regarding this type of untoward hounding, and they have broken a rule, and i have proof in the form of my iphone call logs. 

they are not allowed to call regarding a particular debt within 7 days of us having a conversation about said debt. we had a 6 minute conversation about the debt at XXXX XXXX est on XX/XX/year>. They called back at XX/XX/year> at XXXX XXXX est and left a voicemail. They are in violation- they are not allowed to call me back about that debt within 7 days ( 168 hours ) of the conversation we had about the debt, and they called back within 7 days. The website did not specify whether that 7 day period was 7 business days, not to include weekends, but if business days are intended, then the company is most certainly in violation. If the 7 days are meant to intend weekends also, they are still in violation, for calling me back too soon about the debt after a conversation about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
Submitted a check deposit on XX/XX/year>, to my savings account. Received an email on XX/XX/year>, that a funds hold would be placed on the check, which I expected given the amount of {$10000.00}. Upon attempting to check my balances via online banking on the morning of XX/XX/year>, I noticed I was unable to log into my profile. A short time later, I received an email notification that the online banking profile had been disabled and I would be charged for any paper statements. I shortly thereafter contacted the bank 's customer service and was informed that only the digital banking team could assist and they only are available on XXXX. Called this digital banking team on Monday, XX/XX/year>, and answered questions regarding the deposit. I was then requested to provide evidence of account ownership from which funds would be drawn and any additional document showing the check had cleared the the written from institution. Both of which were provided shortly thereafter. On XX/XX/year>, the day I was informed the check hold would be removed and online banking access reinstated, I called to inquire why I was still unable to log into my online banking profile, I was informed the funds and profile would continue to remain on hold and in the case of online banking, disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the XXXX XXXX account reporting as a Charge-Off since 2023 with account number XXXX XXXX. This account is being reported on all three credit bureausEquifax, TransUnion, and Experianin  an inaccurate, incomplete, and unverifiable manner. 

The information being furnished does not meet the accuracy requirements of the FCRA and does not comply with Metro-2 reporting standards. The Charge-Off status, the dates being reported, the balance information, and the delinquency data are inconsistent and can not be verified. Unverifiable, inconsistent, or incomplete information must be deleted under FCRA 602 ( A ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ). 

Because XXXX XXXX has not provided verifiable documentation supporting the Charge-Off and because the information being reported conflicts with required accuracy standards, I am requesting the immediate deletion of this XXXX XXXX Charge-Off account from my credit report with your bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
This letter serves as a formal objection to the referenced accounts. They were not created with my authorization and appear fraudulent. I respectfully request their removal and investigation. Evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
i did not authorize a payment to an american express XXXX  card and my american express XXXX  account was debited without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/year>, me and my girlfriend arrived at XXXX department store. My complaint is that upon purchase of a pole barn at XXXX department store, I was told i needed to apply for only XXXX card to purchase a pole barn and some tools. My girlfriend was a witness. A representative of XXXX processed XXXX store credit card for us. 
The store representative acknowledged there was an oversight on his part. He noticed that after we were approved of the first card, there was insufficient funds available with the store credit we were approved for. We were told by the store " rep '' ( representative ), that in order to get the complete purchased we needed to apply for another card. 
I reluctantly did so. The sales rep ( we have his name and title ) told us along with another sales rep that we could trick the " system, '' eventually we had to apply for multiple cards to finish the purchase. The whole process took an entire week. As of today, i am paying extremely high interest rates and we do not understand exactly what we are paying for. there were multiple cards canceled and reissued. 
I am a veteran ; we are senior citizens.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported by XXXX on my credit report. Specifically, the following accounts are reporting late payments, which are entirely incorrect : Account : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Late Payment Account : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Late Payment I have never made a late payment on either of these accounts. The reporting of late payments is false, misleading, and damaging to my creditworthiness. 

I demand that XXXX investigate these inaccuracies immediately, provide documentation proving the validity of these alleged late payments, and correct my credit report to reflect the accurate payment history. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report. Continued reporting of false information is not only unlawful but also detrimental to my financial standing. 

Please provide me with written confirmation that these entries have been corrected or removed. If XXXX fails to respond adequately, I will pursue all available legal remedies to protect my rights. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: B9, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I deposited earned funds into my account with B9. The funds have been withheld for over XXXX days without resolution. The company initially informed me that the delay was due to ID verification, but the issue is entirely caused by a malfunction in their app, which repeatedly fails to verify my valid documents. 

During this time, XXXX support team has : Instructed me not to reply or respond, claiming it would delay the process Offered only a solution requiring me to submit an ACH request, which would take additional days to process and is not guaranteed Provided no explanation for why the app malfunction continues and why my funds are inaccessible This is unacceptable, as these are earned funds and the delay is caused entirely by internal issues on XXXX side. I have made multiple attempts to resolve this issue through their support team with no success. 

I am requesting : XXXX. Immediate release of the withheld funds XXXX. Written confirmation of when and how the funds will be released XXXX. An explanation of why the issue has persisted and steps B9 will take to prevent this in the future

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The property ( The XXXX XXXX managed by XXXX ) is attempting to collect charges that were contractually waived in writing. On XX/XX/XXXX, the XXXX XXXX sent written documentation confirming that I could move out on XX/XX/XXXX with no additional month-to-month fees. The XXXX XXXX also confirmed in writing on XX/XX/XXXX that the issue was resolved. 

Despite this written agreement, months later the property sent an alleged balance to collections through Columbia Debt Recovery LLC ( XXXX ) for fees that were already waived. This is an attempt to collect a debt that I do not owe and violates FDCPA 15 U.S.C. 1692e and 1692f. 

I provided the written documentation to both XXXX and XXXX, but the collection attempt continues. This has caused stress, confusion, and potential harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains multiple accounts that are not being reported with maximum possible accuracy. These inaccuracies are weighing heavily on me and continue to affect my life and credit standing in ways you can not begin to imagine. These are difficult times, and it would be a great help, a true blessing, if these incorrect accounts are corrected or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I disputed a collection account reported by National Credit Systems ( XXXX ) for the amount of {$1000.00}. The account appears on my XXXX  credit report under account number ending in XXXX XXXX. My dispute confirmation number from XXXX  is XXXX, and the results were completed on XX/XX/year>. 

I disputed the debt because the amount reported by XXXX does not match the records from the original creditor. The original creditors ledger shows a {$0.00} balance as of XX/XX/year>. Despite this, XXXX continued reporting a balance of {$1000.00}, which appears inaccurate. 

During the dispute process, XXXX  contacted the furnisher. XXXX responded by marking the account as Verified as Reported, even though the documentation from the original creditor contradicts the balance they are reporting. 

I attempted to resolve the issue by requesting validation of the debt, including an itemized breakdown, proof of charges, and confirmation of the amount allegedly owed. However, the balance still does not match the original creditors records. 

I am filing this complaint because the company continues to report an amount that appears incorrect, and I have not received sufficient validation explaining how the balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union suddenly reduced my credit card limit from {$2000.00} to {$900.00}, which placed me over the limit even though I had a balance of {$1100.00} and had made consistent monthly payments. They are claiming my account was delinquent, but my statements clearly show that I paid every month and was not XXXX  days late. 

This unexpected reduction caused : Immediate over-limit status Damage to my XXXX XXXX Financial harm No advance notice No clear explanation I contacted XXXX XXXX and was told there was no reason listed other than a date. Later I was told it was due to delinquency, which is incorrect. They refuse to restore the previous limit or correct the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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