vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Unfair Interest Charges and Inadequate Notification by Synchrony Bank : On XX/XX/XXXX, I opened a Synchrony Bank credit card through a purchase at XXXXXXXX XXXX XXXXXXXX for approximately {$10000.00}, which included a promotional financing offer with a deferred interest period. I enrolled in autopay, and all monthly payments were made on time, as confirmed by my account statements. I expected Synchrony Bank to notify me of significant account events, such as the end of the promotional period, as is standard for responsible banking practices, especially for customers with a consistent payment history. 

On XX/XX/XXXX, I discovered that Synchrony began charging high interest rates on my account starting XX/XX/XXXX, totaling XXXX months of unexpected charges ( total amount of more than {$3000.00} as of XX/XX/XXXX ). These charges, which significantly increased my balance, were not anticipated because I received no clear or effective notification about the promotional period ending. Synchrony claims they sent an email notification, but this email was flagged as spam in my email account, similar to other automated emails from Synchrony, rendering it ineffective. I believe Synchrony has a responsibility to notify customersparticularly those with good payment historiesthrough multiple channels ( e.g., physical mail, phone calls, or prominent email alerts ) to ensure awareness of critical events like the end of a promotional period. Their failure to do so has resulted in unfair and excessive interest charges. 

When I contacted Synchrony Bank on XX/XX/XXXX, to resolve this issue and request a waiver of the interest charges, they refused, stating that the email notification was sufficient. I dispute this, as their reliance on a single, easily missed email does not constitute adequate communication, especially given the significant financial impact of deferred interest. I believe Synchronys notification practices are designed to obscure the end of promotional periods, allowing them to impose high interest charges on unsuspecting customers, which feels deceptive and predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
EQUIFAX, TRANSUNION and EXPERIAN which are classified as a Financial Institutions/Consumer reporting agency are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Furthermore, ALL consumer reporting agencies in this complaint are guilty of TAX FRAUD for reporting fraudulent collection/charged-off accounts on my consumer report. Additionally, EQUIFAX, TRANSUNION and EXPERIAN and all other parties involved are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT , for violating my privacy and disclosing my nonpublic personal private customer information to other persons. Lastly, ALL consumer reporting agencies in this complaint are guilty of criminal and civil penalties for violations of AGGRAVATED IDENTITY THEFT for knowingly possessing my nonpublic personal identification in a felony violation. Unless I give prior written or verbal permission please stop sharing, disclosing, transferring, possessing, and/or violating my nonpublic personal records and privacy. SEE ALL ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
EQUIFAX, TRANSUNION and EXPERIAN which are classified as a Financial Institutions/Consumer reporting agency are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Furthermore, ALL consumer reporting agencies in this complaint are guilty of TAX FRAUD for reporting fraudulent collection/charged-off accounts on my consumer report. Additionally, EQUIFAX, TRANSUNION and EXPERIAN and all other parties involved are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT , for violating my privacy and disclosing my nonpublic personal private customer information to other persons. Lastly, ALL consumer reporting agencies in this complaint are guilty of criminal and civil penalties for violations of AGGRAVATED IDENTITY THEFT for knowingly possessing my nonpublic personal identification in a felony violation. Unless I give prior written or verbal permission please stop sharing, disclosing, transferring, possessing, and/or violating my nonpublic personal records and privacy. SEE ALL ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
EQUIFAX, TRANSUNION and EXPERIAN which are classified as a Financial Institutions/Consumer reporting agency are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Furthermore, ALL consumer reporting agencies in this complaint are guilty of TAX FRAUD for reporting fraudulent collection/charged-off accounts on my consumer report. Additionally, EQUIFAX, TRANSUNION and EXPERIAN and all other parties involved are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT , for violating my privacy and disclosing my nonpublic personal private customer information to other persons. Lastly, ALL consumer reporting agencies in this complaint are guilty of criminal and civil penalties for violations of AGGRAVATED IDENTITY THEFT for knowingly possessing my nonpublic personal identification in a felony violation. Unless I give prior written or verbal permission please stop sharing, disclosing, transferring, possessing, and/or violating my nonpublic personal records and privacy. SEE ALL ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: DE

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
I am disputing multiple unauthorized credit inquiries made without my consent, which have negatively impacted my credit score and raise concerns about identity theft. 

Despite previous assurances that these would be removed, they remain. This continued inaction is unacceptable and has caused serious emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I requested a quote from XXXX XXXX XXXX XXXX, XXXX for moving on XX/XX/year>. They told me I had to give a downpayment to secure the quote. I said fine. I was driving at the time, so I pulled over to give them my credit card information. They said I'd be getting a contract and paperwork soon, but not to sign anything until 48 hours before pick up time. They told me for my 3 bedroom 2 bath house that I would only need 200 square feet of moving space. They charged my card for {$1000.00}. 

I thought about it and called them the next week because I was quite certain I'd need more space and emailed to cancel. I was immediately called multiple times by XXXX XXXX who told me that they could not cancel because they'd already put " significant investment '' into my move. I said that was ridiculous, I'd scheduled not even a week before for two months out. She then told me that I signed the cancelation policy which gave me 48 hours to cancel. I said I hadn't signed anything at all and that I would be needing a refund ASAP. XXXX said no, so I said I'd be filing a dispute with my credit card company. She said I'd lose it because they had " signed contracts ''. I found the COO of the company and emailed him about this poor customer service. He said that XXXX had it all sorted. I filed a complaint with the XXXX, I filed a dispute with my credit card. XXXX said in an email that if I canceled my dispute with the credit card company, that they'd give me a full refund, otherwise I'd be responsible because I'd lose the dispute. 

Capital One credit card came back and they said they would be charging me the {$1000.00} because XXXX XXXX XXXX XXXX had provided the contract that I had " signed '' stating I agreed to their cancelation policy of 48 hours. The " signature '' provided was just a squiggly line and the IP address attached to the signature provided was NOT mine. I tracked down the IP address and it was in Florida. I live in XXXX. The COO of the company lives in XXXX. I called XXXX XXXX Police department to report fraud and they told me to contact XXXX, VA police since that's where the company is located. I filed a report with XXXX VA police last week. 
Capital One credit card did in fact charge me the {$1000.00}. XXXX XXXX XXXX XXXX has not provided any service whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
In accordance with 15 U.S.C. 1681i ( 7 ) I dispute the unauthorized inquiries as it lacks valid verification and evidence making it a violation. Please delete this inaccurate information promptly.

Please remove or delete ( Fraud alert with California address ). Please correct all inaccuracy and discrepancies with my address and add my phone XXXX to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CT

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. 
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 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 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 XXXX XXXXXX/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 2025-08-07 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:
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 XXXX 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 XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} 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 : {$610.00} 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 : {$64.00} 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 : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
After carefully reviewing my credit report, I identified several accounts that are inaccurately reported, contain inconsistent information, or lack proper verification. For example, the XXXX account is marked as charged off but still reports ongoing 90-day late payments, which appears to be an illegal re-aging of the debt. XXXX XXXX XXXX and XXXX accounts are showing balances that exceed the credit limit, including one with 194 % utilizationan excessive and unsupported figure. Additionally, the XXXX XXXX XXXX  and XXXX accounts reflect late payments and over-limit balances while inconsistently stating pays as agreed. Several other accounts, including XXXX XXXX and multiple XXXX  accounts ( e.g., XXXX, XXXX  XXXX, XXXX XXXX ), are reporting charge-offs or derogatory marks even though the balances are \ {$0.00} or the accounts were closed long ago. These contradictions violate the standards of accurate reporting under the Fair Credit Reporting Act ( FCRA ). I also found two XXXX XXXX XXXX collection accounts with small balances ( \ {$24.00} and \ {$47.00} ) that have never been validated despite prior disputes. On top of these issues, my credit report contains multiple outdated name variations and former addresses that no longer reflect my identity or current residence. These inaccuracies have negatively impacted my creditworthiness, and I am requesting immediate investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
Applied for Discover cards, I cancelled said cards and they are showing on my credit report which is private and do not wish to have these on my reportPLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$310.00}

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