vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I financed a generator purchase totaling {$14000.00} through a promotional financing plan with Synchrony Bank. The promotion was a Fixed Payment Reduced APR plan with a XXXX  % APR until the balance was paid off. This APR was confirmed via phone with Synchrony support on XX/XX/XXXX as they do not have it listed on their site. 

Since XX/XX/XXXX, Synchrony has charged me {$160.00} every month for a XXXX XXXX XXXX product I did not knowingly enroll in, never used, and was never clearly presented with. I discovered this charge in XX/XX/XXXX, after reviewing my monthly statements. 

I immediately called Synchrony Bank and demanded : Cancellation of the program A full refund of all fees paid During the call on XX/XX/XXXX, Synchrony stated they : Could not provide any documentation or proof that I enrolled in the program Would not issue a refund Would have " someone call me back in XXXX business days '' without offering any reasoning for the callback They could not explain what the callback would resolve, especially since they admitted they lacked documentation. This appears to be a stalling tactic rather than a genuine effort to resolve the dispute. 

In addition, I am being charged monthly interest that exceeds what a 9.99 % APR should generate. For example : XX/XX/XXXX : {$160.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$160.00} XXXX XXXX, XXXX : {$160.00} XX/XX/XXXX : {$170.00} XX/XX/XXXX : {$170.00} XX/XX/XXXX : {$170.00} Total interest charged in XXXX XXXX  : {$1100.00} These amounts reflect an APR closer to XXXX  %, not the agreed-upon 9.99 %. 

Synchrony has not corrected the APR, nor refunded any of the unauthorized fees. I am requesting that the CFPB : Investigate Synchronys enrollment practices for this add-on product Enforce a full refund of all XXXX XXXX XXXX  charges Require Synchrony to correct the APR and refund all overcharged 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 monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am filing this complaint because TransUnion is reporting XXXX hard inquiries that I never authorized or initiated : XXXX dated XX/XX/year> and XXXX XXXX XXXX XXXXXX/XX/year>. These inquiries were made without my knowledge or consent, which is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. That law states a consumer report may only be accessed with a valid permissible purpose and written authorization from the consumer, neither of which applies here. I have already disputed these inquiries with TransUnion and demanded their removal, but TransUnion failed to delete them or provide any documentation showing that the inquiries were lawful. Their failure to investigate or validate these unauthorized credit pulls shows a complete disregard for my rights and responsibilities under the FCRA. I am now demanding that these inquiries be permanently deleted from my credit file and that TransUnion be held accountable for this ongoing violation. If they continue to report these items without proof of authorization, they are committing willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. I am requesting that the CFPB step in and take immediate action to enforce compliance and protect my rights as a 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 explanation
Consumer complaint received 2025-07-29 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} INQUIRIES : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
Subject : Inaccurate Credit Reporting XXXX  Account XXXX Complaint : I am filing a complaint against XXXX  ( Account ending in XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and outdated information on my credit report. This account is showing as open and with a balance, despite being closed and/or paid off. 

I have previously disputed this information with both XXXX and the credit reporting agencies, but the inaccurate data remains. XXXX has failed to correct or delete this false information, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate FCRA 623 ( a ) ( 2 ) Failing to update and correct inaccurate info FCRA 611 Failure to investigate consumer disputes in a timely and accurate manner This ongoing misreporting is damaging my credit profile and affecting my ability to obtain credit. I am requesting that the CFPB : Investigate XXXX  credit reporting practices Require XXXX to provide documentation supporting their reporting Instruct XXXX  to immediately correct or delete the inaccurate account information I am attaching a copy of my credit report showing the inaccurate reporting, along with previous dispute correspondence. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I settled a credit card account with Wells Fargo in XXXX. The agreed amount was paid, yet XXXX  continues to report the full original balance as " charged off '' and " past due '' with no mention of the settlement. This is inaccurate and misleading. The account is legally uncollectible and inaccurately labeled as past due, despite resolution. I attempted to dispute this directly with XXXX, but it remains unchanged. Im requesting either correction to reflect the settled status with a {$0.00} past due amount, or full removal of the tradeline if verification can not be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited the XXXX store in XXXX, CA, to purchase a two-piece sofa for {$1100.00} plus tax. While there, I noticed a sign promoting special financing when using an XXXX store credit card. I called the provided number to apply and was given two options : the XXXX XXXX Credit Card and the XXXX XXXX Credit Card ( issued by Comenity Capital Bank ). I chose the first option. Upon approval, I received my account number and a temporary code to use for my first purchase. 

When I selected the sofa, I proceeded to the self-checkout and asked an XXXX employee for assistance since I didnt have a physical card. After the salesperson entered my information, I asked whether the XXXX XXXX Credit Card qualified for the special financing promotion. She informed me that only the XXXX XXXX Credit Card was eligible. Disappointed, I requested that she cancel the transaction. She assured me the payment had not gone through and that I was " good to go, '' but she did not provide a receipt. 

I returned home frustrated and called Comenity Capital Banks customer service to cancel the card, as I no longer needed it. They told me there was a pending charge on the account and advised me to wait for my first statement to see if it would be removed. However, when I received my XX/XX/XXXXXXXX  statement, the charge for {$1100.00} plus tax ( {$1200.00} total ) remained. 

I went back to the XXXX store to resolve the issue, but customer service could not locate the transaction in their system. They also said they couldnt provide any documentation to prove the purchase hadnt occurred. I then contacted Comenity Capital Bank again, but they insisted on proof from XXXX to dispute the charge. I submitted multiple claims through their online message center, but each time, they responded with a letter requesting further evidence. 

Finally, in XX/XX/XXXX, after months of disputing the charge, I managed to get an email from XXXX  customer service connecting me with a manager. He replied but could only provide a letter stating that their system showed no record of the disputed amount. I submitted this letter to Comenity Capital Bank, but they again claimed they needed more proof that the purchase was never completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened on XX/XX/XXXX - Balance {$2100.00} XXXX  XXXX XXXX - Opened XX/XX/XXXX - Balance {$710.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$1800.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card. 

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ). 

I trust that this matter will handle promptly and in compliance with federal law. 

Thank you for your immediate attention to this urgent matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened on XX/XX/XXXX - Balance {$2100.00} XXXX  XXXX XXXX - Opened XX/XX/XXXX - Balance {$710.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$1800.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card. 

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ). 

I trust that this matter will handle promptly and in compliance with federal law. 

Thank you for your immediate attention to this urgent matter. 
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 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am disputing inaccurate late payment reporting on my OneMain Financial account ending in XXXX. XXXX  is reporting two late payments ( XXXX and XX/XX/2024 ), while XXXX  and XXXX  only report one ( XX/XX/XXXX  ). These inconsistencies violate FCRA accuracy requirements. The late payment occurred due to a processing error on OneMain Financials part when my loan terms changed and my due date was updated in their system incorrectly. I notified OneMain months ago and requested an investigation, but I have received no resolution or correction. This inaccurate reporting is harming my credit and is in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I called PayPal to try and close my account and they told me that I'd have to wait 10 days and I had eight days left to wait I don't want them to have my credit card I don't want them to charge my credit card ever again they say that I owe for a subscription and I'm not very confident at the fact that they won't charge my bank card so they told me that I have an old phone number attached to my bank card which isn't true and they wanted my entire bank card number to remove the card I told them absolutely not I was not going to give them any more of my information and I wanted them to remove the card they refused they said a manager would call me back I'm sure they won't and I can't close the account for another 8 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any inquires that I have ever made. It is the result of identity theft. 

XXXX XXXX Date of inquiry : 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 2025-07-29 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: NY

Complaint narrative:
I noticed that there are multiple incorrect variations of my name being reported, as well as several outdated addresses that no longer apply to me. These inaccuracies are concerning because they can lead to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I believe the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question. These reporting issues are misleading and have the potential to impact the accuracy of my credit profile. I am requesting a full investigation into these matters and prompt correction of the disputed information.

Company response to consumer: Closed with non-monetary relief