vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am filing this complaint because Equifax has failed to provide me with a copy of my consumer credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have made multiple attempts to access my report both through Equifaxs website and XXXX, but each time I receive the message Error Code NH. Despite contacting Equifax customer service, verifying my identity, and following their instructions, I have not been provided a copy of my report or any written explanation of the issue. This failure violates 15 U.S.C. 1681g ( a ) ( 1 ), which requires consumer reporting agencies to clearly and accurately disclose all information in a consumers file upon request, as well as 15 U.S.C. 1681h ( a ) ( 1 ), which mandates disclosure upon proper identification, and 15 U.S.C. 1681j ( a ), which guarantees one free disclosure per year. By refusing or failing to provide my report, Equifax has denied me my legal right to access and review the information in my credit file, in violation of these provisions and subject to the civil liability outlined in 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I request that the Consumer Financial Protection Bureau investigate Equifaxs conduct, require the company to provide me with my complete and accurate credit report, and compel it to explain the meaning of Error Code NH and correct any issues with its systems that prevent lawful consumer access. I have retained screenshots of the error message, call records with Equifax representatives, and a copy of my online request, which demonstrate my repeated good-faith attempts to obtain the report. Equifaxs actions effectively deny me the rights guaranteed under the FCRA, and I ask the CFPB to take appropriate enforcement action to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I opened a jewelry store credit card through Synchrony Bank in XXXX with a promotion advertised as 0 % APR for 12 months. My balance was around {$1400.00}. I have never missed a payment and have always paid more than the minimum due. 

When the 12-month period ended, I was charged {$1000.00} in deferred interest all at once. I was never informed at the time of opening that the promotion was deferred interest rather than a true 0 % APR offer. This was never made clear by the store associate or Synchrony Bank when I signed up. 

On XX/XX/XXXX, I called Synchrony Bank to request clarification and a one-time courtesy reversal since Ive maintained XXXX perfect payment history. The representative confirmed it was deferred interest but stopped responding on the call for over XXXX minutes, with only hold music playing. 

When I called again, I spoke to a supervisor named XXXX. She stated it was not possible to remove the charge because I was outside the promotion period. I explained that I knew other Synchrony customers had received goodwill adjustments in similar situations, and I asked why my case was different. She said, It just is, and refused to explain further, repeating that theres nothing we can do. 

I believe this charge is unfair and misleading. The deferred interest terms were not properly disclosed, and Synchronys customer service refused to provide transparency or escalation. I am requesting a review and a full or partial reversal of the {$1000.00} interest charge.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am very frustrated because inaccurate late payments are still appearing on my credit reports this morning, and I can not understand why. Even after refreshing the browser, those incorrect late payments remain. I urgently request that the documents I submitted be reviewed carefully so I can finally stop worrying about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
This bank did this to me 2 times. 1 time when I opened the account and just now again. Which was this complaint below. For a total of 2 times. There is a cfpb complaint for each time they did it. I believe I deserve more than they offered me for the errors. ( XXXX $ ) In rewards is what they offered however their inconvenience caused a relative of mine to pass away because I was unable to watch after them while they were in the hospital. They prolonged the time I was in the hospital as well. 

Previous Complaint update see attachment XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XXXX PRODUCT Checking or savings account ISSUE Managing an account We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT SoFI BANK knew I was in the hospital when I contacted them to do a transfer and instead locked me out of my account using immigrants for no reason. They discriminated and suggested my money was from fraud instead of the government and made it a point to deny me due process in my transactions which left me homeless and hungry and in the hospital. The bank intentionally caused me emotional distress and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date : XXXX Amount : - {$34000.00} Bank of America closed case the after XXXX  days of investigation saying the transfer was from our devices. They said my money is lost. 
I asked for which device and ask them to investigate all our devices. 
I just asked them to reopen the case again.

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 2025-10-24 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: NY

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate credit score is very important to me. However, I continue to see inaccurate and false information reported under my name. This issue has been ongoing despite my repeated efforts to have it corrected. It has become extremely stressful and exhausting to deal with, and these persistent inaccuracies are unfairly damaging my credit standing and affecting my life.

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 2025-10-24 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I have sent dispute letters to the company XXXX XXXX, I tried calling them today to ask them to remove the account, the lady was very rude even admitted to me that they requested the information on my account to XXXX XXXX the original creditor, because they had no information on my account and I told her that it was against the law to collect on a person 's account without being able to prove that it belongs to the so-called person trying to collect from when asked to provide proof.she proceeded to argue with me so I told her that I was sending in a complaint. Also I sent certified letter cease and decease all my information to creditors until the dispute is resolved and proper information was sent to me validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: STOCKTON MORTGAGE
State: GA

Complaint narrative:
Stockton Mortgage continues to fraudulent keep me bound in a modification. Despite the debit being corrected which has increased my mortgage payment monthly and the interest rate. I have written the president and their office. Presently, my account was moved to foreclosure and I was essentially forced to agree with terms that I do not agree in order to keep my home. In addition, they marked within the last modification clauses of no disputes or legal action. This is to me. I am writing to get this resolved. I have attached the letter and exhibits. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
Ive been trying to get this fraudulent account removed from my credit for several years now, but Experian continues to report it. The account is : XXXX  ( Account # XXXX ) Balance : {$4500.00} This account does not belong to me, and I did not open or authorize it. Ive done everything I can think of to get this resolved Ive submitted disputes, tried calling, and followed all the steps. 

Whats especially frustrating is that TransUnion and Equifax have both already removed this account after their investigations. Im so grateful they did. But for some reason, Experian still hasnt, and I dont understand why.

Im feeling really discouraged. This account is hurting my credit, and its making it harder for me to move forward with important things in my life. Im just asking, sincerely, for help getting this fixed. Please remove this from my credit report. Its not mine, and its causing ongoing harm. 

Thank you.

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 2025-10-24 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I was given the opportunity to buy a loveseat from Room-to-go for {$2500.00} on a 60 month interest free in store credit card issued by Sychrony Bank. Not long after receiving my furniture I noticed that the in-store credit card was reporting like a maxed out credit card. After several months the Sychrony Bank card credit limit reported lowered once again, showing like a maxed out credit card. In XXXXXXXX XXXX XXXX I recieved a letter from Sychrony Bank informing me that my account was closed for inactivity which negatively impacted my credit score. I Contacted Sychrony Bank and they confirmed that I was still on auto-pay and that I had never missed a payment. They stated that they could not help as the account was closed and they suggested that I contact XXXX  Credit Reporting and file a dispute. That is why I am not filing a complaint.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
{$500.00} was stolen from me via a Zelle transaction involving a XXXX XXXX " buyer '' who went by the name XXXX XXXX who contacted me from the number XXXX. A " Zelle rep '' texted me from XXXX saying I had to have the buyer deposit {$800.00} into my account before I could receive the {$300.00} she was supposedly paying me, further stating that XXXX had sent a full {$800.00} to my Zelle account in order to upgrade it to a " business account '' and make her {$300.00} payment go through ; I was to " refund '' her the additional {$500.00} via Zelle account i.d . XXXX. Like the trusting XXXX I am, I did that and got the " Zelle '' confirmation XXXX. My bank immediately notified me that the {$500.00} was sent. Immediately thereafter, the " Zelle rep '' contacted me again telling me to send {$10000.00} to XXXX XXXX to XXXX XXXX  at " XXXX '' [ XXXX ] # XXXXXXXX XXXX XXXX XXXX XXXX or the transfer of {$300.00} would not go to my Zelle account. At that point, I told him I would not do that, and I ignored all further attempts " Zelle '' made to contact me. XXXX texted me over the next few days inquiring whether I got my {$500.00} back, but she stopped all contact and blocked my number as soon as the {$500.00} was deposited to her account. I never received any Zelle deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-24 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: NJ

Complaint narrative:
Im filing yet another complaint because TransUnion continues to refuse to correct the inaccurate late payments on my XXXX XXXX XXXXXXXX account for XXXX, XXXX, and XX/XX/XXXX. Ive already filed multiple disputes, submitted supporting documents, and XXXX  and XXXX  have corrected the same account. Yet, TransUnion is still reporting these late payments. I REALLY CAN'T UNDERSTAND why they dont want to accept my dispute and the same documents when the other bureaus accepted them and fixed this issue months ago. 

I reviewed TransUnion 's response, which was dated XX/XX/XXXX. Their reply was nothing more than a template. They claim they " contacted the creditor '' and " reviewed available information, '' but provided no concrete evidence of what was reviewed or how they verified the information. There was no breakdown of the account, no billing history, no written confirmationjust vague statements. This is not a valid reinvestigation under the Fair Credit Reporting Act ( FCRA ). Their statement also that I need to contact the creditor is completely unacceptable. The issue lies with THEIR reporting, not with the creditor. As stated in 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a thorough reinvestigation and provide verifiable proof of the accuracy of the disputed information, but they have failed to do so. Their failure to provide clear evidence of the verification process is a direct violation of the law.

Under 15 U.S.C. 1681e ( b ), TransUnion is required to report accurate information. Since XXXX  and XXXX  have removed these late payments, but TransUnion has not, it shows the information is either inaccurate or outdated, warranting an immediate correction. Additionally, under 15 U.S.C. 1681b ( 2 ), the continued reporting of inaccurate late payments without my consent violates the law, especially after multiple disputes. The furnisherXXXX XXXX XXXX XXXXXXXX, also failed to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666b ( a ) ), payments made on time can not be reported as late. TransUnions continued reporting of these payments as late constitutes a billing error.

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