vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for a store card with deferred / no interest with payments on a purchase of {$2500.00}. 
I received the credit card and first statement closing on XX/XX/XXXX provided by Synchrony Bank and sent a payment by mail on XX/XX/XXXX. 
I checked and they had not applied the payment by XX/XX/XXXX when it was due, so I paid another {$100.00} over the phone. 
I did not receive the next statement that apparently closed on XX/XX/XXXX. 
I finally received the XXXX statement that closed on XX/XX/XXXX. I received it around XX/XX/XXXX. 
The statement showed a {$1.00} monthly paper statement fee. 
On XX/XX/XXXX I called and requested that they resend the XXXX statement that they did not deliver. I also said that I was not notified when I applied about a statement fee and did not agree to a paper statement fee. They said that it was in their terms and conditions that I can see online.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a Wells Fargo checking account in XX/XX/year> because the bank advertised a new-account bonus for meeting the qualifying requirements. As of the end of XX/XX/year>, I still have not received the bonus. 

I contacted Wells Fargo multiple times. Each time, I was told that someone would follow up with me, but no one ever contacted me and the issue has not been resolved. I have met all the required terms for the bonus, but the bank has not provided it or given a clear explanation. 

I am requesting that Wells Fargo review my account and provide the advertised bonus.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX Lake Michigan Credit Union ( LMCU ) identified a fraudulent payment of {$8400.00} charged to my account and froze my account. They then attempted to call me to notify me of the fraudulent charge but did not reach me and left a voicemail. That voicemail states verbatim : " Hi this is XXXX with Lake Michigan Credit Union. Please give us a call back at XXXXXXXX XXXX XXXXXXXX. Thank you. ". This message is not a reasonable attempt to contact me in for something as serious as fraud and a frozen account. LMCU did not state that there was potential fraud, that my account had been frozen, that the fraud department was trying to contact me, or that the issue was urgent. LMCU did not make any other attempt to contact me. Thinking that LMCU was calling for advertising purposes, I did not call back immediately. 

On XX/XX/XXXX at XXXX I received an email from my credit card provider, XXXX XXXX, notifying me my payment on XX/XX/XXXX had been returned. This was the first notification I receive that actually told me there was something going on with my LMCU account, it was also 36 minutes after LMCU closed all offices and helplines that could assist me with problem until XX/XX/XXXX at XXXX. I was locked out of all my accounts so I could not access {$21000.00} in deposits or any banking records until I visited a physical office on XX/XX/XXXX. 

After replacing my LMCU accounts and paying the missed credit card bill the morning of XX/XX/XXXX, I email XXXX 's fraud department, at XXXX, asking for their notification policy, and asking if they had any way of contacting XXXX XXXX to explain the situation and get the late fees removed. They replied at XXXX the same day that they could not contact XXXX XXXX, and stating that they had called me and that " If we do not make contact directly, in the interest of member privacy and safety we do not leave details further than requesting a call back ''. I replied at XXXX ask them to confirm that it was their policy in the event of missed call to leave a message " without indicating the reason for the call, the urgency of the call, or the department the call came from ''. That email has gone 2 days without a response. 

I was later able to contact XXXX XXXX and get the late fee removed, and confirm that my payment was not late enough to report to the credit rating agencies. 

By failing to notify me of my frozen account in a timely and efficacious manor, LMCU caused me to incur {$140.00} in additional credit card interest, {$29.00} in late fees ( expected to be removed by XXXX XXXX at my request ), and would have caused significant damage to my credit rating had XXXX XXXX not notified me of the problem before reporting to credit rating agencies.

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 2025-11-26 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: SC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: SC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
Can you help review this entry? Its late and maybe incorrect.

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 2025-11-26 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:
I am writing to dispute certain items on my credit report that I believe are inaccurate. Below is the detailed information regarding the accounts in dispute, separated by each credit bureau. 

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 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 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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
A fraudulent person opened an XXXX Account and used my paypal somehow to pay for XXXX transactions spanning from XX/XX/XXXX to XX/XX/XXXX total amount of. I have a letter from XXXX stating that this account is not associated with me. This letter has been provided to Paypal. I have spent numerous hours on the phone with Paypal and everytime they tell me they filed it wrong. The information they provide is " Case closed : Authorized purchase. '' I believe the issue is there is XXXX transactions and it came from an account that is not associated with my XXXX  account. I feel internally they are just calling XXXX  and asking in regards to my XXXX  account which it doesn't appear on my record as it's someone else 's account. XXXX figured it out, but Paypal has not. XXXX claims the refund has to go through Paypal and not through them. As a consumer its concerning that XXXX setup an account that did not have my billing address or name and was able to charge my Paypal account. The billing address would not have matched. Clear case of fraud. XXXX letter states : " This is a statement regarding unauthorized charges made to the XXXX XXXX Paypal Account. These charges do not show up in anyway or relation under this XXXX XXXX account at all. He did not make them. If he did, it would show up on his end and would be able to request a dispute. But it does not in this case. Thank you! - XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I have no link to these accounts and request they be taken down within 15 days as required by the FCRA.

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 2025-11-26 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My husband and I were purchasing tires from Discount Tires. Upon arrival, my husband was asked to apply for the credit card to receive financing options as well as as a discount. He was not told that the system had my name as the applicant and didnt display it during the application process. So the system used my name with his Social Security number, birthdate and phone number to open an account backed by Synchrony Bank. Not only did the system process it, but it gave him a {$400.00} credit limit. If it werent for the fact that the credit limit was so low, we wouldnt even even understood that there was an issue. He called synchrony Bank to understand why the credit limit was so low when they told him that it was in my name with his credentials. He asked them to update the name ( which they did ), but they couldnt increase the credit limit amount given the circumstances. So now my name is tied to his identity, and we had to have two credit pulls in order to make the purchase. We ended up calling Synchrony Bank and closing this account and ask them to report it to the credit bureau so that we can make sure that theres two identities are separate. This should never have happened where they were able to process an application with one name and give credentials of another name inhabit go through.

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 2025-11-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for furnishing inaccurate, contradictory, and nonXXXX XXXX compliant information across XXXX XXXX XXXX XXXX for my CBNA credit card account. 

From my full XXXX report : XXXX XXXX  Closed, Derogatory, XXXX XXXX XXXX XXXX XXXX Debt included/discharged. 
XXXX  : Closed, Derogatory, XXXX XXXX XXXX 
XXXX  : OPEN, Payment Status Unknown, No bankruptcy notation, No derogatory, No dispute notation. 

The same account can not be XXXX on XXXX bureau and CLOSED on the others, nor can it be derogatory on XXXX bureaus and clean on XXXX. This is a violation of FCRA 1681e ( b ), 1681s-2 ( b ), and 1681i. 

CitiBank previously responded using automated XXXX XXXX coding, which is not a real investigation. It did not correct any errors. 

I request a full manual reinvestigation ( not XXXX ) including review of Citis XXXX XXXX data, bankruptcy coding, and all documents used to verify the account. If CitiBank can not verify the accuracy of the furnished information, I request deletion of the tradeline and confirmation that it will not be reinserted without full FCRA reinsertion compliance.

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 2025-11-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-11-26 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: SC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: AR

Complaint narrative:
I am writing to dispute the following items on my credit report, as I believe they are inaccurate or incomplete. Below are the accounts in dispute, separated by bureau. 

Charged Off Accounts : 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 XXXXXXXX

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 2025-11-26 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: NY

Complaint narrative:
I am disputing these accounts due to inaccuracies in the reporting. I request an immediate investigation and removal if the information can not be verified. 

Charged Off Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: CA

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. The information provided is inaccurate and needs to be addressed to ensure the correct details are reported. 

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 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 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 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

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