vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing Synchrony Banks assessment of {$2500.00} in deferred interest on my XXXX XXXX/Synchrony account, and a subsequent total of {$350.00} of " interest charged on accumulated interest ''. My original purchase was {$4000.00} in XX/XX/XXXX under a deferred-interest promotion. I set up AutoPay to ensure all payments were timely and to prevent problems of exactly the nature that I am complaining about. 

My XX/XX/XXXX and XX/XX/XXXX statements contained small fine-print notices that the promotion would expire on XX/XX/XXXX, which I did not see. I continued to make all payments on time. I did not realize the promotion had expired until XX/XX/XXXX. At that point, Synchrony had added {$2500.00} of retroactive interest, even though my remaining principal balance at that time was only {$1700.00}. I called Synchrony immediately on XX/XX/XXXX. I was told I had missed their XXXX relief window but that an exception request would be submitted to the Promotions Department . On XX/XX/XXXX, I called and was told there was still no response, and that I should call back on XX/XX/XXXX. At the suggestion of the telephone representative, I paid off the remaining principal in full during that call. When I called on XX/XX/XXXX, a manager stated only, You signed up, you owe, and gave no evidence that the promised Promotion Department exception review ever occurred. 

The total interest now exceeds the actual remaining principal that was outstanding when the promotion expired. Synchrony has also added months of additional interest while repeatedly telling me to wait for a decision that apparently never happened. The practice of charging additional interest while waiting for a nonexistent review seems deliberately misleading and unfair.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: OK

Complaint narrative:
I am filing a complaint regarding a fraudulent vehicle loan that was opened in my name with a lender that is NOT my actual auto loan provider. I do have a legitimate vehicle purchased from CarMax, but that real loan is with a different bank. The account I am disputing is not connected to my real vehicle or my real lender. 

I am filing a complaint about a vehicle loan that was opened without my consent or knowledge. I did not authorize this loan, did not purchase a vehicle from this company, and did not sign any contract or agreement. This account was opened fraudulently using my personal information. 

I first discovered the problem when I saw a charge-off reported on my credit. I immediately disputed the account with the credit bureaus and reported the identity theft to XXXX. I have never had any business with this company and never agreed to any vehicle financing. 

I am requesting that the company provide proof of my authorization, including signed documents, applications, IP logs, phone records, or any verification they claim to have. Since this account was opened fraudulently, I am requesting that it be removed from my credit reports and that all negative marks associated with this account be deleted. 

This account is a result of identity theft, and I am seeking full investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and I am filing a complaint against Experian for failing to properly process a valid identity theft report and for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed Experians XXXX Department a complete identity theft packet by Certified Mail, including : Police Report No. XXXX Filed on XX/XX/year> with the XXXX XXXX XXXX XXXX Copy of my drivers license Proof of address My full identifying information ( SSN, DOB, home history ) A written identity theft statement fully compliant with FCRA 605B All supporting documents required by Experians own instructions This packet contains all legally-required documentation for a valid identity theft report under FCRA 603 ( q ) and 605B.

However, Experian continues to send generic form letters stating they need documents that I have already provided, even though nothing is missing. These delays appear intentional and violate the following sections of federal law : FCRA 605B : Experian must block fraudulent information within 4 business days after receiving a valid identity theft report. 
FCRA 611 : Experian must conduct a reasonable investigation and may not ignore properly submitted evidence.

FCRA 1681e ( b ) : Experian must maintain accurate credit files and can not continue reporting known fraudulent information.

I am requesting CFPB intervention to ensure Experian : 1. Processes my certified identity theft submission immediately 2. Applies the fraud block required by FCRA 605B 3. Removes all fraudulent or inaccurate accounts 4. Stops sending automated letters asking for documents that were already provided 5. Provides written confirmation of the block Experians actions are harming me financially and creating ongoing damage to my credit profile despite clear legal requirements. 

I am requesting CFPB enforcement to ensure Experian complies with federal law. 

Complainant : XXXX XXXX XXXX XXXX MD Phone : XXXX Email : 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 2025-11-14 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and I am filing a complaint against Experian for failing to properly process a valid identity theft report and for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed Experians XXXX Department a complete identity theft packet by Certified Mail, including : Police Report No. XXXX Filed on XX/XX/year> with the XXXX XXXX XXXX XXXX Copy of my drivers license Proof of address My full identifying information ( SSN, DOB, home history ) A written identity theft statement fully compliant with FCRA 605B All supporting documents required by Experians own instructions This packet contains all legally-required documentation for a valid identity theft report under FCRA 603 ( q ) and 605B.

However, Experian continues to send generic form letters stating they need documents that I have already provided, even though nothing is missing. These delays appear intentional and violate the following sections of federal law : FCRA 605B : Experian must block fraudulent information within 4 business days after receiving a valid identity theft report. 
FCRA 611 : Experian must conduct a reasonable investigation and may not ignore properly submitted evidence.

FCRA 1681e ( b ) : Experian must maintain accurate credit files and can not continue reporting known fraudulent information.

I am requesting CFPB intervention to ensure Experian : 1. Processes my certified identity theft submission immediately 2. Applies the fraud block required by FCRA 605B 3. Removes all fraudulent or inaccurate accounts 4. Stops sending automated letters asking for documents that were already provided 5. Provides written confirmation of the block Experians actions are harming me financially and creating ongoing damage to my credit profile despite clear legal requirements. 

I am requesting CFPB enforcement to ensure Experian complies with federal law. 

Complainant : XXXX XXXX XXXX XXXX MD Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute. 

It has also been noted that TransUnion, Experian, and Equifax have previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. 

The specific account I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$22000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-11-14 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:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute. 

It has also been noted that TransUnion, Experian, and Equifax have previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. 

The specific account I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$22000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a {$5000.00} check through Wells Fargo mobile banking. Upon deposit, the bank made {$400.00} available to me immediately and informed me that the remaining funds would be released the following day. However, at approximately XXXX XXXX. on XX/XX/year>, the bank reversed the deposit and withdrew the funds, which caused my account to go into overdraft. 

I contacted Wells Fargo for an explanation, and I was informed that my own signature on the checkthe same signature I provided when endorsing itwas considered suspicious. I was then told that all funds from the deposit would be held until XX/XX/year>. 

After receiving no assistance over the phone, I went in person to a Wells Fargo branch. I provided my identification, my signature, and all other documents requested to verify that I was the one who signed the check. The branch staff contacted the individual in charge of reviewing the matter, but despite confirming my identity and signature, they stated they were unable to assist me further or release the funds. 

I am submitting this statement to document the situation and the difficulties I experienced in attempting to resolve this issue. 


Please note that this check is coming from a family owned business and I have many transactions that have been made throughout XXXX years from the same business that the check came from.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I got my direct deposit into my XXXX account on XXXX 2025. The following they XXXX suspended my account when i have not done anything wrong .. they asked me for documents which i provided everything they requested but they still went ahead and permanently suspended my accounts. NOW THEY WONT LET ME WITHDRAW MY MONEY THEY STOLE MY MONEY FOR THEMSELF I NEED MY MONEY MY CHILDREN ARE SICK AND I NEED TO PAY MY HOUSE RENT .. XXXX  HAS BEEN SCAMMING PEOPLE I WANT MY MONEY BACK AS SOON AS POSSIBLE .. my XXXX email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments on a single account. TransUnion is showing several payments as late when, in reality, they were made on time. Despite this being incorrect, these false late marks continue to appear on my credit report and are unfairly damaging 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 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper mortgage company failed to install my home insurance on time which resulted the cancelation of the policy, and at the same time, Mr. Cooper did not notify me about the situation on a timely manner. However, it took me a long time to find an affordable home insurance. But now Mr. Cooper asked me to pay for the lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CT

Complaint narrative:
The following accounts and inquiries are disputed with Equifax. Discrepancies have been identified in the reporting of these accounts, including inaccurate balances, dates, and statuses that require correction. 

Charged-Off Accounts : [ List any specific accounts here if provided, otherwise leave blank ] Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Company reported XXXX payment as 30 Days late. Payment was put into deferment and account was not late 30 days late. Attached is the letter confirming XXXX payment was deferred to the end of my contract and my account is current.

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 2025-11-14 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: CO

Complaint narrative:
I am filing this complaint because XXXX is reporting multiple inaccurate late payments across the following student loan accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These accounts all show a {$0.00} balance, they all show Transferred/Closed, and every single one is being reported with XXXX  days late, even though there is no payment history at all. Equifax and XXXX both show Unavailable for every month, for the entire history, with no chronological reporting, no delinquency sequence, no monthly status codes, nothing. You can not legally report a late payment when you have not reported ANY prior payment activity. This violates FCRA 623 ( a ) ( 1 ) and the Metro-2 Credit Reporting Resource Guide , which requires complete and accurate monthly reporting before marking an account delinquent.

These accounts also falsely state Account Not Disputed, even though I HAVE disputed all of them multiple times. This is a direct violation of FCRA 623 ( a ) ( 3 ) because furnishers are required to mark an account as disputed during investigations. XXXX failed to do so across all accounts. 
The payment status shows XXXX Days Late but the date of last payment, date of last activity, date closed, and date transferred are all inconsistent, incorrect, or impossible. These accounts show no billing cycles, no reported payments, no delinquency progression ( XX/XX/year> days ), and no supporting information to show how they arrived at XXXX days late. Reporting a XXXX late with no supporting monthly data is illegal under the FCRA and Metro-2.

I requested verification of the late payments, including : the full payment history, all billing statements, delinquency records showing when the account allegedly became XXXX, XXXX, XXXX, and XXXX  days late, communication logs, servicing notes, and any federally required disclosures for transferred federal student loans. 
XXXX provided nothing, which means the alleged late payments are unverified and must be deleted under FCRA 611 . 
There are also major accuracy issues with the bureaus : Equifax and XXXX are both reporting Unavailable monthly data for multiple years, then suddenly inserting a XXXX Days Late code on an account with a {$0.00} balance that was transferred. This same inaccurate pattern is the subject of previous lawsuits against Equifax, XXXX and XXXX regarding improper student loan reporting, incorrect delinquency codes, and reporting fabricated late payments after federal loan transfers. This pattern is well documented and shows negligence. 
Because none of these late payments are factual, chronological, or verifiable, I am demanding the immediate deletion of all XXXX late payments on all accounts listed. If this is not corrected, I will escalate this to the Department of Education Ombudsman and pursue legal action for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my Experian credit report. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXXXXXX ( Account Number : XXXX, Date : XX/XX/XXXX, Balance : XXXX ) XXXX ( Account Number : XXXX, Date : XX/XX/XXXX, Balance : XXXX ) XXXX  XXXX ( Account Number : XXXX, Date : XX/XX/XXXX, Balance : XXXX ) INQUIRIES XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( XXXX : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) LATE PAYMENT XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX ( Account Number : 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 2025-11-14 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: NJ

Complaint narrative:
I am requesting that TransUnion investigate and correct my credit report. The following information is inaccurate and must be removed : Accounts to be Completely Removed : XXXX XXXX Account ending XXXX {$6600.00} XXXX XXXX Account ending XXXX {$3900.00} XXXX Card Account ending XXXX {$2100.00} XXXX Card Account ending XXXX {$12000.00} XXXX ( XXXX XXXX ) Account ending XXXX {$2200.00} XXXX XXXX  [ Include Account Number if available ] Late Payments : XXXXXXXX XXXX Account ending XXXX I dispute all reported late payments and request that they be cleared. 

Positive Accounts : XXXX XXXX Positive payment history should remain accurate. 

Request : Please remove all inaccurate accounts and clear all late payments on my XXXX XXXX account. I also request confirmation once the investigation is complete.

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 2025-11-14 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: MD

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