vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I purchased a desk and a chair from relax the back XXXX a little over XXXX years ago, it was on a 0 % promotional credit card. The agreement was essentially that i would pay off the card in full within XXXX years and then not be charged any interest. 

I set up payments to be drafted from my account and in my mind it was done in a way where it would be completed in the XXXX year timeframe. There was around {$500.00} left on the payment prior to the XXXX year time frame. 

Everything was auto drafted and all emails from synchrony went to my gmail which i did not ever check. I recently noticed the amount due seemed higher than normal and when i logged in i realized that they charged me $ XXXX in interest just bc i didnt pay off the remaining {$500.00} roughly in time. 

If i had known this was going to happen i would have absolutely paid it all of. I have a perfect credit score, I have plenty of disposable income, I paid every payment on time. My understanding of the loan was that if i didnt pay it all off on time then i would just be subject to a high interest rate on whatever was left. It seems like an extremely unfair punishment to charge someone {$2000.00} interest on {$500.00}. 

I have called and tried to settle with XXXX different managers at Synchrony and none of them were willing to accept my offer to pay off the principal and waive the interest.

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 2025-04-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX 
Account number : XXXX XXXX XXXX - XX/XX/year>

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been a victim of identify theft since during COVID in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. Experian, Equifax and Transunion have not blocked the information off my report as required by law. I have attached all the documents again to this complaint. 

Equifax continues to allow fraudulent accounts to reappear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been a victim of identify theft since during COVID in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. Experian, Equifax and Transunion have not blocked the information off my report as required by law. I have attached all the documents again to this complaint. 

Equifax continues to allow fraudulent accounts to reappear on my credit report.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been a victim of identify theft since during COVID in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. Experian, Equifax and Transunion have not blocked the information off my report as required by law. I have attached all the documents again to this complaint. 

Equifax continues to allow fraudulent accounts to reappear on my credit report.

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 2025-04-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts where fraud accounts opened in my name by someone else.In XX/XX/year>, I discovered that fraudulent accounts with XXXX XXXX and XXXX XXXX XXXX  XXXX which were previously deleted from my credit report, were reinserted without written notification. These accounts were opened in my name without my authorization. I did not apply for these accounts, nor did I give anyone permission to open them. XXXX XXXX Account : Date of discovery : XX/XX/year> Amount owed : {$0.00} Action taken : I previously reported this fraudulent account to XXXX XXXX  and filed a fraud claim. The account was deleted from my credit report but was reinserted without any written notification, in violation of my rights. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, you are required to notify me in writing within a reasonable time when reinserting a deleted account. I am requesting that XXXX XXXX  immediately block and remove this fraudulent account from my credit report, in compliance with the FCRA, and provide written confirmation of this action within 4 days. XXXX XXXX XXXX  Account : Date of discovery : XX/XX/year> Amount owed : {$0.00} Action taken : Similarly, I had previously reported the fraudulent activity to XXXX XXXX XXXX, and the account was deleted from my credit report. However, it was later reinserted without my knowledge or written notice from XXXX XXXX, which also violates my rights under the FCRA. I am requesting that XXXX XXXX immediately block and remove this fraudulent account from my credit report, in compliance with the FCRA, and provide written confirmation of this action within 4 days. Both banks were promptly informed about the fraud, and under the FCRA, I am entitled to the removal of these fraudulent accounts from my credit report. I am also requesting that both banks provide written confirmation of the reinsertion and any actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am submitting this formal complaint against the XXXX Department of Education and its XXXX XXXX  servicer, XXXX, concerning unauthorized and improper reporting of my XXXX XXXX XXXX account ( s ) to consumer reporting agencies ( CRAs ), including but not limited to XXXX, XXXX, and XXXX. 

The presence of these student loan accounts on my credit reports constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically under 20 U.S.C. 1232g ( b ), which restricts the disclosure of educational records without prior written consent.

FERPA defines student loan records as part of a students education record. According to 20 U.S.C. 1232g ( b ) ( 1 ), no educational agency or institution receiving federal funds may release a students education records or personally identifiable information contained therein to third partiesincluding credit bureauswithout the prior written consent of the student.

I have never provided explicit, written consent for the Department of Education or XXXX to disclose my student loan information to any consumer reporting agency. Therefore, reporting this information to the CRAs is a breach of my rights under FERPA. These actions also undermine the privacy protections that FERPA is intended to uphold.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I respectfully ask that you investigate these unauthorized credit inquiries. Please include all pertinent information, such as the name of the entity that initiated each inquiry, along with any records or consent forms that may demonstrate my authorization. 

Since these unfamiliar inquiries could potentially harm my credit score and overall financial health, I kindly urge you to resolve this issue as soon as possible. I appreciate your prompt attention to this matter. 

This is the inquiry that I am referring to : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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: CO

Complaint narrative:
TransUnion has been reporting a closed account MULTIPLE times on a closed account, this company has been asked numerous times as to why, with no response. Upon inquiry, it seems Trans union is allegedly being paid to keep our credit scores down per a past employee of the company. 
Trans Union has also been reporting a false charge on my account, again, about six times with in the last 90 days. 
When I ask Trans Union to remove unauthorized credit inquires off my account, there was no response, 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 non-monetary relief
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding fraudulent charges made by a travel agency called XXXX XXXX  and my bank, Wells Fargo, has refused to refund me despite the clear evidence and my repeated attempts to resolve the matter. 

On XX/XX/year>, I spoke with an agent named XXXXXXXX XXXX XXXX XXXX ( phone number : XXXX ) who sold me XXXXXXXX XXXX XXXX from the XXXX XXXX XXXXXXXX for my parents. I paid {$5300.00}, which included {$830.00} for travel protection insurance. I was refunded {$3700.00} from XXXX on XX/XX/year> ( they kept {$1500.00} of the original {$5300.00} purchase price ). 

The policy explicitly stated : Change for Any Reason : Change your flight anytime before departure, no questions asked. 100 % of original ticket cost covered. 

XXXX XXXX XXXX : {$0.00} agency fees for any changes, cancellations, or refunds. 

On XX/XX/year>, the same agent sold me another ticket for my husband for {$3600.00}, which also included {$560.00} for ticket protection. I was refunded {$2600.00} from XXXX XXXX on XX/XX/year> for that ticket. ( they kept {$950.00} of the original {$3600.00} purchase price ) On XX/XX/year>, I contacted XXXX  to cancel the XXXX flights due to extremely hazardous air pollution in XXXX, which posed serious health risks to my family, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX I requested to reroute the tickets to XXXX, but instead of honoring the travel protection policy or offering credit, I was charged again for new tickets. I paid additional money without any refund or credit for the original bookings. 

These cancellations were due to a natural disaster ( hazardous pollution ) completely beyond my control. I believe XXXX XXXX  misrepresented their services and acted fraudulently. 

I disputed the charges with my credit card issuers : XXXXXXXX XXXX refunded me for the charges made on their card. 

Wells Fargo refunded the money to me on XX/XX/XXXX ( a total of {$2500.00} owed to me between both charges ), however upon investigation, they reversed that refund on XX/XX/XXXX and have refused to return the money to me, despite the same documentation and explanation. 

I am requesting that the CFPB intervene to help me secure a refund from Wells Fargo, just as XXXX has already done. 

Sincerely, 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I was a member of XXXX XXXX for about six month, during the year of 2021. Came up on hard times and fell behind on my phone bill. Due to my living situation, moving from place to place. I was not able to receive any type of notice referring to this outstanding bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-04-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

AXXXX 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 2025-04-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

AXXXX 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 2025-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
Their are a total of {$500.00} of fraudulent charges made to my account when between the dates of XX/XX/2025 to XX/XX/2025 I've sent a police report in to them I've provided everything they asked for and still the same results happen and that's being denied and I feel like my case isn't being handled fairly at all I also had to change my email address I had to get a new phone cuz somebody stole my phone the access my email address I had to change email address password they got all this on file but they still ain't doing nothing about it so I don't even believe they even doing a job man I think they just straight denying it for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : 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 2025-04-13 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : 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