vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used my CareCredit account to pay over {$4000.00} for dental work and was under the impression I had XXXX  months to pay it off with no interest. I was never clearly informed that interest would be deferred and then charged retroactively if I didnt pay the full amount by the end of the promo period. 

In XX/XX/year>, CareCredit charged me {$2000.00} in interest. Thats nearly half of what I had left to pay, and I only just noticed the charge today, XX/XX/year>. I called customer service immediately and explained that I had no idea this charge would apply, that I was never warned or reminded that the promo was ending, and that I thought interest would accrue going forward like a normal card, not retroactively. 

I offered to pay off the full remaining balance on the spot if they would waive the interest charge, but they refused. They told me there was usually a XXXX grace period, but it had been 60 days. I genuinely did not know this would happen and would never have let it get to this point if I had understood the terms. 

I feel this practice is deceptive and predatory, and Im requesting a one-time courtesy removal of this charge. I was willing to pay off the full balance immediately. Ive been a responsible customer and just made an honest mistake based on a lack of clear communication from CareCredit.

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 2025-05-13 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 am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my XXXX credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX Account Number : 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 2025-05-13 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: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding inaccurate late payment entries on my Equifax credit report. These include XXXX  ( Account Number : XXXX * * * * ), XXXX XXXX XXXX ( Account Number : XXXX * * * * ) with a balance and past due amount of {$0.00}, and XXXX XXXX  ( Account Number : XXXX * * * * ) with a balance and past due amount of {$0.00}. These entries are clearly incorrect and likely the result of a data breach that has compromised my personal information, leading to unverified and false data being reported on my credit file. Given the significant impact these errors can have on my financial health, it is crucial that they are corrected immediately. 

Equifax is legally required, under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), to ensure the accuracy and completeness of the information it reports. Additionally, recent findings by the CFPB have exposed Equifaxs ongoing failure to conduct proper investigations, violating its obligations under the FCRA. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days, and 15 U.S.C. 1681 ( a ) ( 5 ) requires the removal or correction of any inaccurate, incomplete, or unverifiable information. Failing to adhere to these requirements is a clear violation of federal law and undermines the integrity of Equifaxs credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Validation of alleged debt cease and desist all from of communication phone calls, emails, and all credit reports, etc.until the company validated. These alleged debt. To verify these alleged debt.1 a full history of these alleged debt. XXXX. Proof that I have a contract with your company with a written agreement and signed by all parties.3 proof that your company owns the debt.4 proof that XXXX was issuedXXXX proof of a XXXX XXXX proof the alleged debt was not securities. Due to fair credit reporting act you have XXXX  days to to send me in the mail all these items. Or I will deem it, not valid and will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my car loan with XXXX XXXX  was sold to Westlake Portfolio Management. I downloaded XXXX 's app to my phone and noticed on XX/XX/XXXX, they charged me a {$15.00} NSF fee. All terms of the loan with XXXX Bank ( which I've had since XXXX XXXX ) were to remain the same : no changes, including the due date of the XXXX of each month. My last car payment ( set up for automatic payments ) with XXXX Bank was XX/XX/XXXX, therefore my next payment would be due on XX/XX/XXXX to the new loan servicer : XXXX, which is also set up as an automatic payment from my checking account. That equates to no deductions from my checking account for automatic payment from XXXX should have been attempted, and I do not see that there was an attempt : so I would like an explanation as to the {$15.00} NSF fee. I have tried calling XXXX, unfortunately, no one can be reached ; it is all automated recordings, no live staff/ people to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am disputing inaccurate late payment entries for XXXX XXXX ( Account Number : XXXX * * ) * * dated XX/XX/XXXX and XXXX  ( Account Number : XXXX * * ) * * dated XX/XX/XXXX on my Experian credit report. Despite these accounts reflecting a past due amount of {$0.00}, they have been incorrectly marked as late, which is misleading and financially harmful. Such inaccuracies, if not corrected, can significantly impact my credit score, limit my access to fair credit, and unfairly damage my financial reputation. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ), as well as the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is legally obligated to ensure the accuracy, completeness, and proper verification of all reported credit information. Failing to correct these errors not only violates my consumer rights but also exposes Experian to potential liability for statutory and punitive damages. Allowing these inaccuracies to persist without proper investigation reflects a clear disregard for these federal requirements.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I've spoken to them several times regarding my situation and inability to restart payments. They have started to call my XXXX XXXX XXXX grandmother. She can not help with anything and it's harassment as they call her almost everyday. 

I would like for them to stop calling my Grandmother and either provide an affordable repayment option or leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I made a {$2700.00} payment to my personal line of credit account with Wells Fargo. Despite this, my account showed a balance of {$2300.00} with an available credit of {$0.00}, even though my line of credit is {$5000.00}. As of XX/XX/XXXX, I was informed by a service representative that a 15-day hold had been placed on the accounts because I reached out to their customer service line to gain clarity. When I inquired about the reason, they couldn't provide a clear answer, only stating it was due to the large payment. 

My case was escalated to have the hold reversed, but the request was rejected after I reached out to their service line on XX/XX/XXXX. 

When I asked how to avoid this issue in the future, they couldn't provide any guidance. I also inquired if the hold was due to the funds being transferred from an external account to my Wells Fargo checking account, but they couldn't verify this. I further asked if the hold would still occur if the funds were already in my checking account, and again, they couldn't provide an answer. They then reconfirmed, the funds won't be available until XXXX XXXX, 17 days after I made the payment. 


I requested documentation confirming the hold, but they said they couldn't provide it. After insisting, I was transferred to a second-tier representative who said she needed to check. She later explained that it was a custom letter and that I would receive it in 7-10 business days, after the payment hold was removed.

When I mentioned that I would file a complaint with the CFPB, they said I could file the complaint with them directly, but I responded that it would be a conflict of interest. 

Please keep in mind that in XXXX Wells Fargo attempted to close the personal line of credit. However, due to public outrage they reinstated 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 2025-05-13 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: NJ

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-13 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
Hard Inqueries : XXXX XXXX XXXX Inquired on XX/XX/year>XXXX   This inquiry was not authorized proceed to remove it from my credit report immediately. 
4XXXX XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
5- XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
6XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
7- XXXXXXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
8- XXXXXXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under Trafficking according to Trafficking- Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : 1. DPT OF EDXXXX Balance : {$1400.00} 2. DPT OF EDXXXX Balance : {$2000.00} 3. DPT OF EDXXXX Balance : {$410.00} 4. DPT OF EDXXXX Balance : {$2500.00} 5. DPT OF EDXXXX Balance : {$3500.00} 6. XXXX XXXXXXXX Balance : {$440.00} 7. XXXX XXXX XXXX Balance : {$3300.00} 8. XXXX XXXX XXXX XXXX Balance : {$3700.00} 9. XXXX XXXX Balance : {$1500.00} 10. XXXX XXXX  Balance : {$1700.00} 11.XXXX XXXX Balance : {$1000.00} 12. XXXX XXXX Balance : {$4700.00} Inquires 1. XXXX XXXX Date opened : XX/XX/XXXX 1. XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX 2. XXXX XXXX Date opened : XX/XX/XXXX 3. XXXX Date opened : XX/XX/XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX. XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date opened : XX/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 explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXX/XX/XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXX/XX/XXXX * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXX/XX/XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXXXX/XX/XXXX - {$0.00}XX/XX/XXXXXXXX - XX/XX/XXXX - {$840.00} XX/XX/XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX - {$4200.00} XXXXXX/XX/XXXX- {$10000.00} XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX - {$750.00}XX/XX/XXXXXX/XX/XXXX - {$0.00} XX/XX/XXXX - XX/XX/XXXX - {$1100.00} XX/XX/XXXXXX/XX/XXXX - {$0.00} XXXXXX/XX/XXXX {$1000.00} XX/XX/XXXXXXXX - XX/XX/XXXX - {$0.00} XX/XX/XXXX * XXXX - XX/XX/XXXX - {$1100.00} XXXX XX/XX/XXXXXXXX - XX/XX/XXXX - {$4600.00} XX/XX/XXXX- {$210.00}

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 2025-05-13 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: GA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I discovered an account that was not reporting correctly when I recently checked my credit report. On an account that was actually paid on time, I had two late payments. All information must be reported by the consumer reporting agencies with perfect accuracy. Payments on this account have never been late. A copy of my report on this complaint from the following dates is attached ( XX/XX/year> ). I now ask that you look into this account and change these payments to be made on time right away. I appreciate your quick response and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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