vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a promotional purchase of {$1900.00} ( XXXX  work ) with my Care Credit charge card, eligible for a XXXX no-interest plan if paid in full by XX/XX/XXXX. 

In XX/XX/XXXX, I called CareCredit to set up a repayment plan. A representative instructed me to make XXXX payments of {$440.00}, due on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, XXXX, which would satisfy the balance within the promotional period. 

I followed this plan and even made an additional fourth payment of {$440.00} on XX/XX/XXXX. 

After the initial charge of {$1900.00}, I used the card for XXXX additional, " no interest if paid in 12 months '' promotional purchases : {$230.00} on XX/XX/XXXX ( dental work ) {$190.00} on XX/XX/XXXX ( XXXX  clinic ) On XX/XX/XXXX, I checked my online account and discovered {$530.00} in interest had been applied to the original XX/XX/XXXX promotion, despite paying it off on time. 

A representative named XXXX acknowledged the error and issued an interest refund. 

After this adjustment, I was told my new balance was {$23.00}. 

Concerned about additional charges, I called again. A rep named XXXXXXXX XXXX XXXX XXXXXXXX XXXX was unable to explain the balance. 

When I requested a supervisor, I was placed on hold, then disconnected by a male representative. 

I called a third time, requested a supervisor, and spoke with XXXX, who claimed I now owed only {$6.00}, but refused to verify the amounts of my XXXX promotional charges or explain how this new balance was calculated. 

Without my vigilance, Synchrony Bank/Care Credit would have overcharged me by at least {$560.00}. I have not received a clear accounting of how payments were applied, whether interest was correctly removed, or how the remaining balance has been calculated. 

Despite multiple calls, I have been met with inconsistent explanations and evasive details.

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 2025-06-05 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: GA

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
The company XXXXXXXX XXXX XXXX is fraudulently reporting a SECURED credit card ( unable to be overdrawn ) on my consumer report that they continue to report only charge offs from XXXX present. This said account was opened XX/XX/XXXX then closed XX/XX/XXXX with a highest ever balance of {$1100.00}, {$0.00} owed, with a {$1200.00} credit limit. This account was closed due to the suspicious activities noted from this company and their high APR % rates. This company continues to provide only derogatory payment history of charge offs from XXXX XXXX which is a time frame which I did NOT own an account any longer with XXXX XXXX. XXXX XXXX  has repeatedly been asked to provide a complete and accurate payment history, monthly payment amounts, and paid amounts for each month from XXXX ( due to this fraudulent account being presently reported on my consumer report ) and continue to not produce any records prior to XX/XX/XXXX ( stating charge offs until present ) as this is not my account. XXXXXXXX XXXX XXXX continues to report this account fraudulently for financial gain and XXXX, Equifax, and XXXX  continues to except their fraudulent report each month for their financial gain with clear evidence sent to them reflecting the falsities of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The company XXXXXXXX XXXX XXXX is fraudulently reporting a SECURED credit card ( unable to be overdrawn ) on my consumer report that they continue to report only charge offs from XXXX present. This said account was opened XX/XX/XXXX then closed XX/XX/XXXX with a highest ever balance of {$1100.00}, {$0.00} owed, with a {$1200.00} credit limit. This account was closed due to the suspicious activities noted from this company and their high APR % rates. This company continues to provide only derogatory payment history of charge offs from XXXX XXXX which is a time frame which I did NOT own an account any longer with XXXX XXXX. XXXX XXXX  has repeatedly been asked to provide a complete and accurate payment history, monthly payment amounts, and paid amounts for each month from XXXX ( due to this fraudulent account being presently reported on my consumer report ) and continue to not produce any records prior to XX/XX/XXXX ( stating charge offs until present ) as this is not my account. XXXXXXXX XXXX XXXX  continues to report this account fraudulently for financial gain and XXXX XXXX XXXX  Experian continues to except their fraudulent report each month for their financial gain with clear evidence sent to them reflecting the falsities of this account.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The company XXXXXXXX XXXX XXXX is fraudulently reporting a SECURED credit card ( unable to be overdrawn ) on my consumer report that they continue to report only charge offs from XXXX present. This said account was opened XX/XX/XXXX then closed XX/XX/XXXX with a highest ever balance of {$1100.00}, {$0.00} owed, with a {$1200.00} credit limit. This account was closed due to the suspicious activities noted from this company and their high APR % rates. This company continues to provide only derogatory payment history of charge offs from XXXX XXXX which is a time frame which I did NOT own an account any longer with XXXX XXXX. XXXX XXXX  has repeatedly been asked to provide a complete and accurate payment history, monthly payment amounts, and paid amounts for each month from XXXX ( due to this fraudulent account being presently reported on my consumer report ) and continue to not produce any records prior to XX/XX/XXXX ( stating charge offs until present ) as this is not my account. XXXXXXXX XXXX XXXX  continues to report this account fraudulently for financial gain and Transunion, XXXX XXXX XXXX continues to except their fraudulent report each month for their financial gain with clear evidence sent to them reflecting the falsities of this account.

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 2025-06-05 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've reached out to the companies and have told them that the debts I have on my credit was result in identify deft and they didnt take any serious action. Why I am reaching out to our company because Im a XXXX  XXXX  and I cant get a car or my own apartment because my credit was used on things I never even used or put my information in for and this is hurting my life Im trying to have access too.

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 2025-06-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-06-05 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:
Today, XX/XX/year> I received an alert from XXXX XXXX advising me of a HARD INQUIRY FROM XXXX with my Transunion credit report. I called ( XXXX ) XXXXXXXX XXXX XXXX  ) but could not leave a message or get a representative on the phone. 

I did not authorize XXXX bank to open any credit/card on my behalf!!! 

I have worked so hard to get my credit in Excellent standings and now this. 

Please help me get this fixed. Thank you! : )

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells fargo keeps closing this valid claim I was denied boarding on my flight home if the flight still flew is absolutly irrelevant to the claim I have made the agreement for purchase for a round trip journey I was denied boarding for the final leg of the journey for an unknown reason by XXXX XXXX my phone indicated to me I still had time before the final boarding window had closed according to the screenshot already provided to wells fargo it was XXXX boarding was intended to close at XXXX so unless there is some evidence that indicates I arrived at the gate after boarding should have closed my case is valid and I should be returned the money of {$1400.00}. Wells fargo asks for new information but never any indication of what information they require. I have given my full statment along with time stamps indicating there was time for me to have boarded yet was still denied and it just seems to me that Wells Fargo would rather be lazy then to actually bother to do work in resolving this.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-05 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX XXXX XXXX which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-05 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:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$50.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was removed as an authorized user on a card ending in XXXX. This card is reporting correctly as terminated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn my side, it appears that this account is partially reporting to XXXX  ( information regarding the account 's credit line, etc. is missing ) and, because it is a partial, it is not properly being factored into my XXXX XXXX. I have contacted XXXX  and they have confirmed that there is a data quality or data missing issue between Chase and XXXX. This needs to be corrected as this account should be reporting consistently and correctly across all XXXX credit bureaus. Thank you.

Company response to consumer: Closed with explanation