vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is a formal follow-up to my original complaint ( ID : XXXX ) submitted on XX/XX/year>, regarding a fraudulent SYNCB/SAMSXXXX  account that was opened in my name without authorization and appears to be the result of identity theft and a data breach.Despite providing a full FTC Identity Theft Report, government-issued ID, and supporting documentation, SYNCB/SAMSXXXX has failed to respond or take corrective action. More concerningly, they continue to report this account as a monthly charge-off, which is causing the account to reage and inflict ongoing harm to my credit profile. The violations and harm are no response to prior dispute and date breach identity theft documentation, monthly charge off updates artificially reaging the acct, continued derogatory reporting despite confirmed id theft, violation of FCRA and CFPB guidance on reaging and dispute handling.This creditors conduct is deceptive and unlawful. The account was never authorized, and their refusal to remove itwhile continuing to update it as charged offis a clear attempt to manipulate credit scoring and prolong derogatory impact.

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 2025-08-02 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: MI

Complaint narrative:
Transunion, Experian, and Equifax have continued to report an account that was opened fraudulently for months ruining my credit rating and causing me tons of denials. I reached out to Milestone and not only did they suspect it was fraud but stated the social security number and birthday were incorrect. I filed numerous disputes with the credit bureaus and they still refused to remove the account. I have attached the proof the account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
Issue Type : Incorrect information on credit report ( ALL XXXX BUREAUS ) Companies : Equifax Experian TransUnion XXXX XXXX ( and other furnishers involved ) -- - Statement of Harm : I am filing this complaint due to unlawful actions taken by the above-named credit bureaus and furnishers in violation of federal law. I exercised my right to dispute multiple inaccurate and unverifiable accounts under federal consumer protection laws. Rather than comply with those laws, the bureaus and furnishers acted in bad faith by : Reinserting derogatory information during an open dispute Failing to send proper notice of reinsertion within XXXX business days Failing to verify or provide documentation ( such as the original signed contract or verified affidavit of debt ) Reporting information without permissible purpose Refusing to honor consumer protection codes in 15 U.S.C. 1681 Violating criminal code under 18 U.S.C. 1611 by knowingly reporting false and unverifiable debt data Which resulted in my credit score reporting even lower then before dispute which is retaliation with out cause. 

-- - Applicable Law Violations : 15 U.S.C. 1681i Failure to reinvestigate and provide consumer results 15 U.S.C. 1681b Reporting without a valid permissible purpose 15 U.S.C. 1681s-2 ( b ) Failure to conduct proper investigation by furnishers 15 U.S.C. 1681e ( b ) Reporting inaccurate, incomplete, or unverifiable information 18 U.S.C. 1611 Willful furnishing of false information and fraudulent misrepresentation -- - Pattern of Misconduct : Derogatory accounts were initially removed or updated, then reinserted with no notice, and no evidence.

Remarks and data were altered after the dispute began to make it appear as if no error occurred.

Bureaus left consumer statements up but allowed furnishers to override them without validation. 

This is not limited to XXXX XXXX, nor to XXXX is across all three credit bureaus, and applies to every account disputed. 



-- - Requested Relief : Immediate deletion of all reinserted accounts and derogatory remarks Proof of validation and permissible purpose for each disputed account Certified copies of contracts, agreements, or legal claims by furnishers Enforcement of statutory damages per 15 U.S.C. 1681n and 1681o CFPB oversight and enforcement due to pattern of criminal consumer rights violations ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
So my complaint isn't just towards the XXXX XXXX it's also toward all of the major credit bureaus. So months ago I canceled my card .XXXX  still reports that my account is open and i owe a balance i filed a dispute nothing was fixed so I filed a second dispute with screen shots of my online XXXX  account proving it's closed and paid in full. Still nothing i contacted XXXX they won't help so I contacted transunion and XXXX  showed them my screen shots they still refuse to correct my account. Let me be clear my account is closed and paid in full both XXXX  as a company and the credit bureaus refuse to be honest in what I owe.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I made an account with citizens bank on XX/XX/XXXX. Shortly after I deposited two charge checks. One check cleared and followed what was told to me when I opened the account ( 10 days plus the standard 5 for processing ) the second check for XXXX still has not cleared. I have received multiple letters telling me it would clear by a certain date. Then, they send a new one with a farther date. They keep telling me that they are waiting for the bank that issued the check to confirm information. I contacted the issuing bank and was told : they have cashed the check, and the funds released to Citizens Bank. There is nothing they XXXX XXXX can do on their end to have Citizens Bank release the hold. If the funds revert to us then we can reissue. As of right now, there is no option to stop payment as the check has already been cashed as far as XXXX. 

So they have the funds and are still refusing to release them. Attached is the most recent letter. I have received 3 with different dates. When I call they tell me to just wait for the date and the date comes and nothing happens. I'd like my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following previous names, addresses and employer are wrong : Incorrect Name - XXXX, XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My bank allowed an unauthorized charge for XXXX twice in XXXX week. Refuse to stop payment. 

Also on XX/XX/29 a payment was sent to my Account from my mortgage company for XXXX, Citibank stated they dont have it. I called the bank that sent it and they gave me the transaction ID and Citibank has refused to research or start an investigation

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 2025-08-02 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: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-08-02 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had an late payments on an account that i was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/2022 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for youre understanding

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 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
When I was in the XXXX XXXX XXXX XXXX store in XXXX, Georgia. I was forced to sign the credit card application form for XXXX XXXX Comenity Bank otherwise the staff wouldnt let me return my products. I was placed under extreme pressure by Employees, I did not willingly or voluntarily provide informed consent. This may constitute a violation of consumer protection laws, including coercive sales tactics that may void the legitimacy of the agreement.

If my application gets approved, then this account was opened using false pretenses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: LA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
On my background report it says I have a felony, I have never had a felony and I want this corrected right now!

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
PENTAGON ostensible on XX/XX/2024 is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not certifiably adherent factually true obedient as it is currently reported. Please REMOVE

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 2025-08-02 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: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and found that there is a negative payment status being reported by XXXX XXXX for a billing period in XX/XX/XXXX. However, I have records confirming that the payment was made on time, and this late mark is inaccurate. Additionally, there are numerous hard inquiries on my report from companies including XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, and multiple entries from XXXX XXXX and XXXX XXXX XXXX XXXX throughout XXXX. I did not authorize or initiate many of these inquiries, and they continue to appear even after previous disputes. The presence of these inaccuracies is damaging my credit score and affecting my financial opportunities. Ive submitted disputes in the past, yet these issues remain unresolved, which is unacceptable at this point. I am now requesting a full reinvestigation into the negative Affirm payment and the unauthorized inquiries to ensure my credit file reflects only verified and accurate information.

Company response to consumer: Closed with explanation