vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: FL

Complaint narrative:
XXXX Progress Card Services ( A Division of Synovus Bank ) Subject : Failure to Issue Secured Credit Card and Provide Required Disclosures To the Consumer Financial Protection Bureau, I am submitting this complaint against XXXX XXXX XXXX XXXX regarding their failure to provide the secured credit card and required disclosures in a timely and lawful manner. Background On XX/XX/year>, I applied for and paid for a XXXX XXXX secured credit card, depositing {$200.00} as the secured balance. I additionally paid an expedite fee of {$19.00} to ensure quicker processing and delivery. As of today, nearly 30 days later, I have not received : Any confirmation email or account access information. Any tracking or shipping information. Any balance update or disclosure of terms as required by federal law. The physical credit card itself. Despite full payment, I have been left without the product, without disclosures, and without communication. Violations & Legal Concerns Under the Truth in Lending Act ( TILA ), XXXX U.S.C. XXXX et seq., creditors are required to provide account terms and disclosures clearly and in a timely manner. Under the Fair Credit Billing Act ( FCBA ), consumers must be provided with accurate account information and notice of charges, which has not occurred. The XXXX Credit Card Accountability regulations ( XXXX CFR Part XXXX Regulation Z ) require creditors to deliver disclosures and ensure consumers receive the card or access to their credit line within a commercially reasonable timeframe. XXXX Progress has failed to comply with these obligations, despite receiving my funds. Requested Resolution I demand that XXXX Progress Card Services : XXXX. Immediately issue and deliver my secured credit card. XXXX. Provide all legally required disclosures, account balance confirmations, and cardholder terms. XXXX. Refund the {$19.00} expedite fee if the card can not be shown to have been processed and shipped within the expedited timeframe promised. XXXX. Provide a written explanation of why there has been no communication, disclosures, or delivery. Complainant Contact Information : XXXX XXXX XXXX XXXX Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX : 1 ) XXXX  XXXX opened XX/XX/XXXX the vehicle was written off and the debt was cleared, and this is still showing on my credit report. 2 ) XXXX XXXX OPEN XX/XX/XXXX The vehicle was returned, and the debt was cleared and verified, and this account still remain on my credit report as a repossession. CREDIT CARDS : 1 ) XXXX XXXX this is a close account that was open XX/XX/XXXX that I have no knowledge of and did not open this account for a credit card nor a line of credit OTHER LOANS : XXXX this is a close account open XX/XX/XXXX that I have no knowledge of the purpose of the company nor services I did not open this account and this account is a direct result of fraud. Rent and utilities : 1 ) XXXX : this account was open XX/XX/XXXX. It is placed for collections. Ive never had XXXX XXXX nor did business with XXXX. This account is direct fraud. HARD INQUIRIES : 1 ) XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XX/XX/XXXX COLLECTIONS : 1 ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. This account is placed for I have no knowledge of this account. I do not open this account. This account is direct a fraud. 2 ) XXXX XXXX Open XX/XX/XXXX Account whats XXXX  XXXX XXXX  with XXXX XXXX discount appearing on my credit report is direct fraud.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX : 1 ) XXXX  XXXX opened XX/XX/XXXX the vehicle was written off and the debt was cleared, and this is still showing on my credit report. 2 ) XXXX XXXX OPEN XX/XX/XXXX The vehicle was returned, and the debt was cleared and verified, and this account still remain on my credit report as a repossession. CREDIT CARDS : 1 ) XXXX XXXX this is a close account that was open XX/XX/XXXX that I have no knowledge of and did not open this account for a credit card nor a line of credit OTHER LOANS : XXXX this is a close account open XX/XX/XXXX that I have no knowledge of the purpose of the company nor services I did not open this account and this account is a direct result of fraud. Rent and utilities : 1 ) XXXX : this account was open XX/XX/XXXX. It is placed for collections. Ive never had XXXX XXXX nor did business with XXXX. This account is direct fraud. HARD INQUIRIES : 1 ) XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XX/XX/XXXX COLLECTIONS : 1 ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. This account is placed for I have no knowledge of this account. I do not open this account. This account is direct a fraud. 2 ) XXXX XXXX Open XX/XX/XXXX Account whats XXXX  XXXX XXXX  with XXXX XXXX discount appearing on my credit report is direct fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
My recent review of my credit report revealed a hard inquiry that was not initiated or authorized by me. This discovery is troubling, as such an entry could suggest misuse of my personal data or an error in reporting. Either way, it is inaccurate and damaging to my record.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a dispute regarding a fraudulent account listed on my credit report. I did not initiate, authorize, or consent to this account, and therefore its reporting is incorrect and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

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 non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. You are required by law to block the fraudulent information within four ( 4 ) business days of receiving this request. 

The following accounts are fraudulent and must be removed immediately : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Account No : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Account No : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached : A list of the fraudulent hard inquiries in question.

A copy of my consumer credit report maintained by TransUnion showing the fraudulent items.

I do not recognize these accounts, collections, or inquiries as reported. They were not opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 

To support my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that the accounts, collections, and inquiries in question are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime I opened it XX/XX/XXXX yes I wasn't able to borrow from chime since XX/XX/XXXX because I lost my job at the XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX at the beginning of XX/XX/XXXX. Even after I was able to get another job I never was allowed to borrow on my my pay again. I didn't make enough to qualify. So since XX/XX/XXXX til now I have no way to borrow from chime. Spot me which was {$40.00} dollars is as far as it went for me. I have been locked out of all my accounts. I checked my credit which was a XXXX now a XXXX. As of XX/XX/XXXX I owe {$310.00} out of a {$1700.00} loan. My identity has been stolen since XXXX which happened at a loan place alot of peoples files was stolen. My purse was recently stolen XX/XX/XXXX which has id, my phone, tablet, social, all credit cards, bank cards which I can't access til I have money to make a new id. I've tried to report it thru chime and cancel card. They aren't helping clearly. I need help asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor. I have also noticed account information that does not belong to me resulting in 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have an account with Venmo in my Son received a direct deposit from his trust account into my Venmo account because hes under the age of XXXX at the time so he did not have his own bank account so by me being his mother, it was deposited into my account through Venmo when I set up my account with Venmo, I verified my identification. I was approved. Everything was fine. They even let transactions be charged out of the deposited amount. They are now holding the money for 180 days and that money is for my childs education purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Sezzle Inc.
State: FL

Complaint narrative:
In XX/XX/year>2025, on the day my payment was due, at approximately XXXXXXXX XXXX., I was actively updating my payment method when Sezzle assessed a {$6.00} decline fee. This fee was applied before the close of the payment date, while I was in the process of making my payment. As a direct result of this improper fee, I was subsequently assessed a late fee. The only reason this late fee exists is because I refused to pay the initial {$6.00} fee, which should never have been applied. 

I attempted to resolve this issue multiple times with Sezzle support ( over five interactions ), requesting that both the decline fee and late fee be removed and that my account reflect only the original payment due. Sezzle refused to remove any fees and has continued to add additional late fees every two weeks. 

This is a pattern of unfair and deceptive practices, charging fees before a payment is late and stacking additional fees, effectively penalizing customers who are actively trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm is attempting to collect unaccrued interest on a fully paid simple interest loan, in contradiction of both the loan agreement and their own agent statements.

I accepted an Affirm loan electronically for {$1400.00}, structured over 18 installments. The loan agreement ( specifically Provisions 5, 6, and 12 ) explicitly describes this as a simple interest loan with interest accruing daily on the unpaid principal balance, and no prepayment penalty. Provision 6 further explains that monthly payments include both principal and interest, reinforcing that interest should decline as the principal is reduced. 

By XX/XX/scrub>XXXX XXXX XXXX I had made XXXX payments of {$100.00} each and an additional early payment of {$82.00} totaling {$1400.00}. This fully satisfied the principal. However, Affirm continued to show a remaining balance of {$450.00} the exact total of projected interest from the original loan schedule. This suggests they are attempting to collect all precomputed interest regardless of early payoff, which directly contradicts : The terms outlined in the loan agreement Affirms own agents repeated confirmations ( via chat ) that interest accrues daily Their claims that early payoff would reduce total interest owed I will attach screenshots of those conversations, provisions from the loan agreement, and dashboard images showing amount paid and remaining balance. 

On XX/XX/XXXXXXXX XXXX  Affirm updated the remaining balance to {$410.00}, which may reflect a representatives prior ( and inconsistent ) statement that I would save roughly {$40.00} by paying early. This further supports my concern that Affirm is calculating this loan as if it were based on precomputed interest, despite the agreements clear language indicating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief