vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I placed an online order with XXXX my account got canceled due to the system acknowledging I had quite a few issues like returns and refunds which was not my doing, I had issues with items that were selected specifically IN STORE when i order on line I order for things in store so I know the store will be delivering my order, I always check the box in store after I check out, not all items are check out to be delivered by store due to the store out of stock, that steers the items out of stock to be shipped which I do not want! due to where I'm located I myself and neighbors have a major issue with packages stolen ALWAYS so I try to be here when shipping items come but the dates are never accurate anyways due to my account being canceled before my order ending in XXXX was placed I had already submitted missing packages then my account got canceled and ever since I've had no accurate or consistent customer service from anyone in the dispute or refund department on issuing my refunds due to the system canceling my account under violation of??? im sorry for having to request help but as I stated I place my orders to be delivered by store not to be shipped and modified by the system upon checking out and this has happen to many times and I'm the one who ends up suffering due to the system thinking other wise. Please I need help on items I never received I've Been a faithful customer and tolerated the mishandling of my orders not placed correctly I would never cause such issues with my account I really do not like having to call and wait to keep correcting these issues please understand I'm not at any violation of any terms. That's not my intentions. I'm asking for your full attention on addressing what has happened please. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank began sending me emails XX/XX/year>, Thank you for your application, XX/XX/year>, Thank you for your application, XX/XX/scrub>XXXX  Great News you've been approved for your new checking a account, XX/XX/year>, Add money to your new account, XX/XX/year>, Track your spending. 

XX/XX/year>, Mailed a postcard, Congratulations on your new checking account, please log in to add money, application ID code # XXXX. 

I did not apply for an account. I called US Bank on XX/XX/year> and reported the fraudulent application. They told me they would email me an affidavit to sign, then close the account permanently. They flagged the account as fraudulent.

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 2025-11-20 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX/DOFED, XXXX/DOFED, XXXXDOFED, XXXX/DOFED, XXXX/DOFED, XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX Tx. 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 2025-11-20 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX/DOFED, XXXX/DOFED, XXXXDOFED, XXXX/DOFED, XXXX/DOFED, XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 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: CA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: MS

Complaint narrative:
Complaint Summary : Dealer Negligence, Withholding Loaner, Retaliatory Payment Requirement, and Warranty Violations To Whom It May Concern, I am filing this complaint regarding XXXX XXXX in XXXX, Mississippi, for negligence, unfair business practices, withholding warranty benefits, and retaliatory demands tied to my financed vehicle. 

XXXX. Negligence Caused Engine Failure In XX/XX/XXXX, XXXX XXXX performed an oil change on my XXXX XXXX XXXX XXXX weeks later, on XX/XX/XXXX, my engine shut down. The dealership confirmed there was no oil in the vehicle and no oil leak. This failure was caused entirely by their technician not properly filling or sealing the system. 

XXXX. Vehicle Held Over a XXXX XXXX XXXX has kept my vehicle since XX/XX/XXXX with no repair timeline, no completed engine replacement, and no written updates. 

XXXX. Refusal to Provide a Loaner Unless My Account Is Current The dealership initially stated they do not do loaners, then changed their position and said they would provide XXXX only if my finance account was brought current. My account was fully current prior to their negligence, and I even made a payment the day the vehicle broke down. My inability to workand therefore my difficulty making paymentsis a direct result of the engine failure caused by the dealerships negligence. 

Conditioning warranty service or a loaner on payment status is coercive, retaliatory, and violates the Mississippi Consumer Protection Act ( Miss. Code Ann. 75-24-5 ), warranty law, and fair debt practices.

4. Financial Harm I have experienced loss of income, transportation, and job stability because the dealership disabled my vehicle and refuses to provide a loaner unless I pay for consequences that they created.

Requested Relief : - Immediate loaner vehicle without requiring my account to be current - Completion of engine repair or full replacement vehicle - Compensation for loss of use caused by negligence - Review of unlawful payment-conditioning practices- Prevention of credit reporting retaliation I am prepared to provide additional documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally express my serious concerns regarding capital one financial institution. The repeated denial of my credit line increase requests and to document what I believe may be a pattern of unfair treatment.

Over the past year and a half, I have applied for a credit line increase three times and have been denied on each occasion. The explanations provided have been inconsistent and contradictoryciting reasons such as too low utilization and applying too soon. These vague justifications are particularly troubling given my exemplary financial profile : Current credit score : XXXX across all three bureaus Payment history : 100 % on-time, full-balance payments Account standing : Excellent throughout my entire membership Credit utilization : Maintained at responsible levels I have fulfilled every expectation of a trustworthy, creditworthy customer. Yet despite meeting and exceeding the criteria that Capital One publicly states are necessary for credit line increases, my requests continue to be denied without substantive explanation. 
I am deeply concerned that there may be discriminatory factors at play. As a XXXX woman working diligently to build my credit portfolio, I can not ignore the pattern of obstacles Ive encountered despite my strong financial profile. This raises serious questions about whether all customers are being evaluated fairly and equitably.

I am requesting : 1. A detailed, specific explanation for each of my three denials 2. Clear criteria that I would need to meet for approval 3. An internal review of my account and these decisions 4. Escalation of this matter to a manager or director with the power to overturn the decision who can provide substantive answers I value transparency and fairness in my financial relationships. I expect Capital One to thoroughly review this matter and provide me with concrete answers. If these concerns can not be adequately addressed, I will need to consider filing a formal complaint with the Consumer Financial Protection Bureau and exploring other banking relationships.

I look forward to your prompt response within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Several accounts are being reported under my name without my authorization or knowledge, and I have never authorized or managed them. This is entirely unacceptable, as it introduces inaccurate and misleading information into my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am disputing the charge of two erroneous returned check fees ( totaling {$60.00} ) applied to two separate credit card accounts. This is due to a systemic data routing failure on the banks side. 

The Transaction : On XX/XX/year>, I logged in and initiated two consecutive payments ( one for each card ) by selecting my only saved, valid checking account on my profile.

The System Failure : The payment failed, and two {$30.00} fees were applied on XX/XX/year>. The banks log shows the transaction was routed from an unknown, unauthorized checking account ending in XXXX. The mobile app does not allow manual entry without first saving an account, proving this was a system error that substituted my correct account information on both payments. 

Contextual Evidence : The fee was applied on XX/XX/year>, which coincided with the massive AWS outage affecting financial database stability. 

The Undeniable Contradiction : The banks internal log states the return reason was that the account was 'closed or non-existent. ' However, my bank confirmed they never received any payment attempt from Synchrony.

This proves the failure occurred within Synchrony 's processing system due to the corrupted account data ( XXXX ), and the fee is based on an internal processing error, not a bank rejection. 

The Refusal : I have a chat transcript of a supervisor who refused to investigate the technical failure and falsely claimed I manually entered the wrong information for two consecutive payments.

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