vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Have a minimum payment due of {$59.00}. 

Was late for the month of XX/XX/XXXX Called on XX/XX/XXXX and was informed that I owe {$160.00} for the months of XXXX and XXXX. 

Informed I could pay {$59.00} ( {$81.00} with fees ) by XX/XX/XXXX and would have to pay {$100.00} by XX/XX/XXXX. 

I understand a late fee for XXXX ( {$81.00} ). But a interest and late fee in XXXX, even if paid on time. 

I didn't sign up for these terms.

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 2025-07-18 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: IL

Complaint narrative:
XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-18 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$36000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.0XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00}

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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
Company has predatory lending practices where the interest rate is well over 200 % of the loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased goods ( won the auction ) through an Arizona based auction house called XXXX and the Babes they held onto the goods for 25 days AFTER I paid by Citi XXXX XXXX XXXX credit card. I filed a dispute with Citi XXXX XXXX XXXX on XX/XX/XXXX. on XX/XX/25 Citi XXXX XXXX XXXX sent me an email stating they ruled in the XXXX favor, despite me not receiving the goods, not receiving a tracking number. The Vendor reached out to me on XX/XX/XXXX ONLY AFTER I REACHED OUT TO THEM FIRST. I told them I was going to file a dispute with my credit card company. ONLY then did they say they would pack up my goods and ship BUT they had previously told me the goods were ready to ship So I am out {$720.00} AND I do not have the goods. Citi XXXX XXXX XXXX was completely egregious in this decision and when I contacted them immediately after their decision they were completely useless and unhelpful. The representative just repeated by rote what was in the dispute decision email they sent me. They did not offer any solutions or recourse for their utterly wrong decision.

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 2025-07-18 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My Experian credit report contains several inaccuracies that Ive attempted to dispute. These include errors with my name, date of birth, address history, and a false timestamp. 
1. Name errors : My legal name is XXXX XXXX XXXX, but Experian currently lists it incorrectly as XXXX XXXX ( missing my middle name ) and XXXX XXXX ( misspelled, missing the second l ). 

2. Date of Birth error : My correct DOB is XX/XX/XXXX, but Experian incorrectly lists it as XX/XX/XXXX. 

3. Incorrect addresses on file that I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Incorrect timestamp under my real address : My only address for the past 8 years has been XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, but Experian shows a XX/XX/XXXX date under it, which is false and misleading. 

These errors are affecting my credit profile and identity verification. Ive included supporting documentation to verify my identity and correct address.

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 2025-07-18 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my XXXX  credit report. I discovered an account from Consumer Portfolio SVCS, INC. The account number is ( XXXX ). This account appears to be for an XXXX loan. The date opened shows XX/XX/year>. The status shows the account was charged off for {$25000.00}. I would like the account that I am not legally responsible for to be removed from my Credit report. I contacted XXXX XXXX XXXX and requested that they provide proof of purchase. I have never received any documentation. In addition I have tried disputing this inaccurate information on my XXXX  XXXX file, and I have been advised that the information was verified as accurate, and that it could not be disputed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am the primary borrower on a {$34000.00} auto loan for a vehicle I never received or had possession of. The co-signer, XXXX, arranged everything with the dealership before I was contacted. I was rushed and pressured to sign loan paperwork without fully understanding the terms. I contacted Allys fraud department to report this as fraud and misrepresentation. They denied my claim, saying it was not identity theft and refused to investigate. They also gave false legal information, such as requiring two surrender forms by law. Despite my fraud affidavit and CFPB complaint, Ally has not resolved the issue. I am preparing civil legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Thursday, XX/XX/year>, I had my phone stolen. In the aftermath of this, I had to go to work so I wasn't able to figure out the issue until after I finished working late Thursday afternoon. At this point, I found out that the person who stole my phone was also able to get access to my XXXX XXXX, where they charged over {$300.00} to my account. I immediately cancelled my cards and froze my account, and filed a reimbursement claim with Wells Fargo. I didn't receive any notice of suspicious activity, and the thief was able to use my card as they wished with no constraint. However, on XX/XX/XXXX, I received notice that my claim was denied as they believed I was the one making the purchases. When my phone was stolen, the thief tried to send XXXX payments through my account directly to their friends, and all of these were denied because they were over my account balance. There was clear proof of this, and it was followed up with the charges they made during that day. I'm incredibly frustrated with Wells Fargo for their handling of this matter, because if they had a stronger security system in the first place, there'd be no reason for a claim at all.

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 2025-07-18 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 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: FL

Complaint narrative:
The following unauthorized hard inquiries are fraudulent and must be permanently removed : - XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX - Repeated/Unauthorized hard inquiry ; I did not apply for credit with this company

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 2025-07-18 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: FL

Complaint narrative:
The following unauthorized hard inquiries are fraudulent and must be permanently removed : - XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX - Repeated/Unauthorized hard inquiry ; I did not apply for credit with this company

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of a charged-off account reported by XXXX XXXX XXXXXXXX that is no longer legally collectible. This debt was part of a dismissed XXXX XXXX bankruptcy and is now beyond the New York statute of limitations for collection ( 3 years ). Despite this, XXXX XXXX XXXX continues to report it as a charge-off, harming my credit and violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am requesting verification of whether XXXX  XXXX XXXX issued a 1099-C for cancellation of this debt. If it was canceled and reported to the IRS as income, then XXXX  XXXX XXXX can not legally continue reporting the debt as owed or collectible. 

XXXX  XXXX XXXX has failed to provide proper validation despite my prior written requests. I am asking the CFPB to investigate this matter and ensure this outdated and potentially inaccurate item is removed from my credit reports.

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 2025-07-18 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
This company bought a debt and tried to fraudulently collect a debt that was never agreed upon, and the consumer never signed a wet ink signature contract with this corporation so therefore this debt is fraudulently unlawful land is violating the rights of the consumer, the complainant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-07-18 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-07-18 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: FL

Complaint narrative:
XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$23000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$150000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief