vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I have had a Lowes credit card issued from Synchrony Bank since XXXX. I made a purchase about a year ago & took advantage of the XXXX  month XXXX percent interest offer. I have had my auto pay drafted from the same business banking account since then & I made the final payment to pay off the purchase prior to the XXXX  month interest free period being over & that payment was drafted from a different bank account. It was drafted from a personal checking account that has been closed since XXXX. That account is not in my saved payment methods on their website so I have no way to select that old account as a payment method & I certainly didnt re-add it as I dont even have the full account number anymore. I was charged a {$25.00} return check fee & their customer service agents wont help me or remove the fee after multiple calls & escalating to management. I did NOT authorize payment from a bank account thats been closed for over XXXX years. They also waited until the day the XXXX percent interest period ended ( today ) to notify me. After some research, I see Synchrony Bank has done this exact same thing to other people. I think its a scam so people have to pay the deferred interest. {$25.00} isnt a large amount of money & I paid the account down to XXXX today but this company is committing bank fraud & they should be punished.

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 2025-11-14 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Transunion has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer. 
According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Transunion to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Transunion records if it is determined that no permissible purpose exists for maintaining this information. I expect Transunion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Transunion has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer. 
According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Transunion to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Transunion records if it is determined that no permissible purpose exists for maintaining this information. I expect Transunion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
AFFIDAVIT OF XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : XXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern ( CFPB and relevant entities ) : I, XXXX XXXX XXXX, being duly sworn, hereby state under penalty of perjury : 1. * * Personal Identity * * : I am the consumer whose credit, reputation, and identifying information are at issue in this affidavit. My name, address, date of birth, and contact details appear above [ 1 ] [ 2 ] [ 3 ].

2. * * Nature of the Complaint * * : I am filing this sworn statement and complaint regarding inaccurate, incomplete, or unauthorized reporting of accounts and collection items by the following companies, as found on my credit reports from XXXX XXXX XXXX XXXX as of XX/XX/XXXX : - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX This list may include additional named furnishers as reported by each bureau [ 1 ] [ 2 ] [ 3 ].

3. * * Consumer Law Citations * * : These actions and furnishers are subject to, and must comply with, the following : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Colorado Consumer Debt Collection Act ( CCDA ), C.R.S. 5-16-101 et seq.

4. * * Statement of Facts * * : - Accounts and/or collection items from the above parties appear on my credit files without lawful basis or full compliance with statutory accuracy and dispute verification requirements.

- I have previously notified the credit bureaus and/or furnishers of these disputes. Despite my efforts, certain items remain uncorrected or unverifiable.

- These companies respond to disputes by stating that the information they furnish is verified and correct within the meaning of the FCRA, when in fact this is untrue and their reporting continues to violate my consumer rights under federal and state law.

- I demand a lawful investigation and deletion, as required under FCRA 15 U.S.C. 1681i, and related statutes, for any item that can not be verified.

5. * * Request for Relief * * : I request that you : - Investigate the reporting practices described.

- Direct any data furnisher or collector who can not provide proper verification or who otherwise fails legal requirements to remove or correct the disputed information. 
- Take additional action as permitted by applicable law. 

6. * * Certification and Oath * * : I certify under penalty of perjury under the laws of the United States and the State of Colorado that the foregoing is true and correct to the best of my knowledge. 

# # # # Signature : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX ACCOUNT : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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: EQUIFAX, INC.
State: KY

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XX/XX/XXXX company paid my sisters property taxes not mine. I had to get money back from my sister because they said nothing they can do since its in XXXX countys acct now. 
XX/XX/XXXX I was told I had a lein on property that was NEVER to be on mortgage. 
XX/XX/XXXX I went to lawyer about loan orgination and issues. Paid {$340.00}. For XXXX hour was told contact mortgage company to resolve issue but document all dates. 
XX/XX/XXXX XXXX phone call answered by XXXX XXXX XXXX Was told they would solve issue of lein release on parcel that was not suppose to be included on mortgage. Was told email concerns which I did. 
XX/XX/XXXX XXXX again a XXXX XXXX answered. Said no email was recieved but no updates. 
XX/XX/XXXX XXXX XXXX answered said XXXX would be released by XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX. Stated XXXX had not been released.phone disconnected XX/XX/XXXX XXXX XXXX XXXX XXXX de-escalation answered stated she was now to be my go to person to many people and she can get answers and thus has gone on to long. 
XX/XX/XXXX email I recieved an update I thought was mine come to find out it was someone else 's loan info from Texas. Which now I have their loan #, address, breach of security. Informed XXXX of this breach. 
XX/XX/XXXX email, no update, escalated to her boss. 
XX/XX/XXXX email, no update XX/XX/XXXX email, no update XX/XX/XXXX phone call was told it's not a parcel release its something the legal team needs to correct and should be fixed by XX/XX/XXXX XX/XX/XXXX, email they are on it taken to XXXX XX/XX/XXXX email no update XX/XX/XXXX recieve new escrow analysis payment reduced with a surplus check. 
XX/XX/XXXX call and inform them my taxes have not gone down that much and asked for parcel # that this payment was going to. WRONG parcel #. XXXX will get right parcel ( which had been on loan since XXXX ) on loan and take the one that was NEVER to be on off but will take up to XXXX escrow payment to be sent out was for wrong amount but said would correct. I said void my surplus check and put back on my acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Continental Finance Company, LLC
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX American Express National Bank XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Application Reference # XXXX Request for Verification and Correction Under the FCRA Dear XXXX XXXX XXXX Department , I am writing in response to your XX/XX/2025 denial letter for the XXXX XXXX XXXX XXXX , which stated that my application was denied due to a bankruptcy appearing on my XXXX consumer report. 

I have obtained and reviewed my most recent XXXX XXXXedit report, which contains no record whatsoever of any bankruptcy. Because you specifically cited a bankruptcy as the reason for your adverse decision, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request verification and correction of your records.

1. FCRA Violations and Obligations FCRA 604 ( b ) ( 15 U.S.C. 1681b ) limits your use of consumer-report information strictly to accurate and permissible purposes.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that any information used in a credit decision be accurate and verified at the time of use.

FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) entitles me to full disclosure of all information in your files used in reaching an adverse decision.

FCRA 615 ( a ) ( 15 U.S.C. 1681m ( a ) ) requires that you provide the specific reasons and sources of the information relied upon when credit is denied.

2. My Formal Requests Pursuant to the above sections, I demand the following within 30 days : 1. Proof or source documentation showing the alleged bankruptcy that influenced your decision.

2. The exact credit-report version and date obtained from XXXX, including any third-party verification vendors used.

3. A corrected adverse-action explanation if your initial reason was based on inaccurate or unverifiable data.

4. Written confirmation that my consumer record with American Express reflects that no bankruptcy exists on my credit profile.

If you can not provide documentary proof that a bankruptcy was accurately reported to and confirmed by XXXX  at the time of review, this decision constitutes the use of false or misleading consumer data, in violation of FCRA 607 ( b ). Continued reliance on such data could also trigger claims under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) for adverse-action decisions based on incorrect or unverified credit information.

Please correct your records immediately and provide written confirmation to the address above. If no verification is provided within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ) citing violations of the FCRA and ECOA.

Thank you for your prompt attention. I look forward to your written response and supporting documentation. 

Sincerely, XXXX XXXX XXXX

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX. An amount of {$760.00} was used on my Wells Fargo debit card on a website called game boost. This was an unauthorized charge that I reached out to Wells Fargo about to let them know this was completely unauthorized and needed to be reversed. 10 days later they came back stating that the charge was authorized by me using a mobile wallet previously associated with my account. On XXXX my phone was lost which had all my cards linked to my phone without a passcode to login to the phone. Wells Fargo did not ask if the phone was lost or stolen as I didnt think this was possible however they stated they are denying it since I had the card in my possession and the phone HOWEVER they did not know my phone was lost during this type which means the person who had the previous phone was able to somehow use the card since the phone did not have a password. I tried to call Wells Fargo back and explain to them the situation regarding my mobile device being lost and having to obtain a new one but they will NOT consider any new information Ive called multiple times now to explain the situation once theyve explained it to me but they will not take new details. I did not know the phone played a part until they specially stated it was a mobile made purchase from a mobile wallet that I previously had and that was stolen. This is unacceptable as I am now losing {$760.00} that I did not spend. 

I would like Wells Fargo to consider this new information instead of blowing me off completely and get this resolved.

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