vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a Synchrony Bank credit card in XXXX through Mattress Firm to finance a mattress purchase under a promotional deferred interest plan. At the time of purchase, I specifically requested that auto-pay be set up so the account would be fully paid off before the promotion expired. 

I relied on this understanding and made consistent, on-time payments for the entire promotional period ( I had auto-payments set up so that I would not miss any payments ). 

I recently discovered that auto-pay was only set to the minimum payment due each month. Because the minimum due amount decreases over time, this payment structure guaranteed that the balance would not be fully paid off by the promotional deadline. 

As a result, when the promotion expired in XX/XX/XXXX, Synchrony retroactively applied {$2100.00} in interest at 39 % APR to my account, in addition to a remaining balance of {$1400.00}. 

I feel this setup was misleading and unfair. I reasonably believed my auto-pay was aligned with my request to pay off the promotional balance on time. Instead, Synchronys default auto-pay design caused me to fall into a deferred interest trap, despite my good-faith efforts and history of on-time payments. 

I have already contacted Synchrony Bank by phone and escalated to a supervisor. Despite explaining my situation and my history of on-time payments, I was told nothing could be done. This is why I am seeking CFPB assistance for a fair resolution.

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 2025-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tesla, Inc.
State: FL

Complaint narrative:
b"On XXXX XXXX XXXX, I sent my Tesla down payment from XXXX XXXX XXXX using same-day ACH to Teslas XXXX XXXX account (trace number: XXXX XXXX XXXX XXXX) towards down payment of my wife's (XXXX XXXX) new car with Reservation#: XXXX. The VIN of the vehicle is : XXXX. The amount transferred is XXXXn\nTesla requires wire transfers, but I mistakenly used same-day ACH. When Tesla claimed they did not see the payment, I was advised by my Tesla delivery manager to send a wire transfer for the same amount which is $XXXX, which I did on XXXX XXXX XXXX  for the full down payment.\n\nThis resulted in a duplicate payment: both ACH and wire were sent in full.\n\nXXXX XXXX XXXX confirms the ACH was delivered to Teslas XXXX XXXX account. They gave me trace # XXXX XXXX XXXX XXXX XXXX) for the transaction which is XXXX XXXX XXXX XXXX \n\nI provided Tesla with the trace number and bank screenshots.\n\nTesla repeatedly claims they dont see it and has refused to reject/return the ACH.\n\nXXXX XXXX XXXX  opened a dispute and contacted XXXX XXXX but they advised this process may take 45+ days.\n\nI urgently need Tesla to reconcile this duplicate payment and return the ACH funds so that I can pay my son's tution fee. The ACH was successfully delivered (trace # XXXX), but Teslas finance team is not taking responsibility, leaving me out $XXXX  dollars.\n\nI am requesting the Consumer Financial Protection Bureau assist in ensuring Tesla and its bank (XXXX XXXX) properly identify and return my funds."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
The person who stole my credit card his name is XXXX XXXX. This happened sometime in XXXX. He took my card to the XXXX XXXX  in withdrew {$3000.00}. I was filing fraud with XXXX XXXX at the time and creating a police report at the time which is the reason why I wasnt filing one with capital one at the time I was dealing with XXXX XXXX I recently got an email XX/XX/XXXX from Capital One saying your amount due will be sent to collections so I get on the phone with them and they tell me there was already a report open and they said I owe do to late report. I have a reports with XXXX, XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a fraudulent account that has been incorrectly reported under my name. I did not authorize, open, or manage this account at any point. Its presence is a misrepresentation of my financial history and is unfairly damaging my creditworthiness.

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 2025-08-29 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: CA

Complaint narrative:
When I look at detail about why our FICO score goes down or does not increase, I am told we need to reduce our useage of our credit cards to 10 % or less of available credit. We use our credit cards for everything and we pay them off completely every month. Yes, we exceed 10 % but why should that matter if we pay them off in full each month. Please let me know why this is important and happening. Thank you, 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 2025-08-29 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: CA

Complaint narrative:
When I look at detail about why our FICO score goes down or does not increase, I am told we need to reduce our useage of our credit cards to 10 % or less of available credit. We use our credit cards for everything and we pay them off completely every month. Yes, we exceed 10 % but why should that matter if we pay them off in full each month. Please let me know why this is important and happening. Thank you, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Creditor Name : XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Creditor Name : XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
In XX/XX/XXXX I requested to be placed in the XXXX plan, this request was approved and I was assigned MOHELA as my loan servicer. Instead of placing me in XXXX, MOHELA incorrectly placed me in a different XXXX plan. 
Since I was in school, my prior year income was {$0.00} and, therefore my monthly minimum payment would have been {$0.00}. As long as I paid {$0.00} per month, under the interest subsidy provision of XXXX, the outstanding interest accruing on my loan would not have been added to my overall loan amount. However, since I was incorrectly placed into a different plan, interest was accruing. 
I attempted to make MOHELA aware of this on several occasions, however, they finally admitted fault in XXXX of XXXX and switched me to XXXX. I requested that the thousands of XXXX  that had accrued due to their error be removed and the person said that she would submit a request which would need to be reviewed. It has been 17 months and my request to fix their error is still " pending review ''. Now that interest has resumed, I am being charged interest on a higher overall amount I absolutely do not want the XXXX  I pay back to be paying off the interest that is now accruing secondary to their error. And, as you can imagine if you were in my position, I have absolutely no trust that once they do review my case, they will rectify the now present issue of my current repayment XXXX  going towards the interest XXXX from their error.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: PA

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 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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX  XXXX XXXX XXXX and its servicer XXXX  regarding my open-end line of credit account. 

The company is claiming that I am behind on my payments and is attempting to place me on a payment plan for alleged missed payments. However, my own bank records prove that I have consistently made on-time payments. 

Attached are screenshots from my bank account showing successful debits on : XX/XX/year> {$70.00} XX/XX/year> {$76.00} XX/XX/year> {$70.00} XX/XX/year> {$69.00} XX/XX/year> {$69.00} XX/XX/year> {$68.00} XX/XX/year> {$63.00} XX/XX/year> {$62.00} These payments are clearly marked as cleared transactions to XXXX XXXX XXXX XXXX with my name. 

According to Section IV ( E ) of the Open-End Line of Credit Agreement, I am entitled to accurate statements each billing cycle reflecting my payments, credits, and balances. My statements and bank records show no missed payments, yet the company continues to claim delinquency.

This false delinquency has already caused me direct financial harm. I was unable to purchase a vehicle because their system and/or credit reporting reflected me as delinquent, despite proof of consistent payments.

I am formally disputing these false claims under my rights in Section VII of the Agreement ( Billing Rights ) and the Fair Credit Billing Act. 

I am requesting that the CFPB require XXXX XXXX  XXXX XXXX  to : 1. Provide a full and accurate payment history for my account, reconciling it with my bank records.

2. Correct any false reporting to credit bureaus.

3. Cease all attempts to collect payments not actually owed.

This issue is causing me unnecessary stress, has damaged my ability to access essential credit, and poses a serious risk of further harm to my credit profile. I have already attempted to resolve this directly with the company, but they continue to insist that I am behind without providing any documentation to support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy and constitutes identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a boat back in 2018, and that loan was bought out by BMO, which I did not agree with. I have been making payments over and above what is required, and come to find out they have been applying the extra payments to the next payment and not the principal. When I first spoke with someone, they fed me information they wanted me to hear so I called back and they say they are going to request that my payments be fixed, but they have no way for me to make a payment online to apply my overpayments to principal. I have had loans with multiple different banks, and I have always had an option for this. Their fix is to write 2 separate checks and send them to their office which is ridiculous and the closet branch is an hour away. This is criminal in my opinion when they are trying to take peoples money like this. Most people don't use checks. This is not a solution. They are making it difficult for people to pay off their loans early.

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 2025-08-29 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:
There are late payments on these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-08-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief