vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: AZ

Complaint narrative:
On XX/XX/year> I had a separate case incident of someone applying for a XXXX  XXXX XXXX XXXX card which I did not do. Today ( XX/XX/year> ), I got a letter from Synchrony Bank in the mail saying, " we received your request regarding XXXX  XXXX credit product '', and how they needed additional information to verify my identity. I also did not apply for this card, and checking my credit report on XXXX, I see that this inquiry from Synchrony Bank was opened on XX/XX/year>, the same day as the XXXX XXXX XXXX XXXX  card fraud. I called Synchrony Bank, and they told me they were closing the inquiry, and they told me that this action/application was performed at a XXXX, location unknown.

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 2025-09-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity ( name, social, address, DOB ) was used to open XXXX and CITI credit cards. XXXX halted the opening, but CITI did not and the new credit card account was opened. XXXX would not give me the email address that was used, but it was different than mine was on file so their security measures stopped the account from being opened. CITI, on the other hand, also had the fake email address and income used, and still the account was opened. I have CITI cards with an email address and income on file, so it was very suprising that their security measure were passed. This is unacceptable and needs to be rectified. 

I froze my credit reports, and submitted fraud alerts with each bureau. Luckily, I had credit monitoring or more cards could have been opened/tried to have been opened with my personal details. 

Thank you, 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 non-monetary relief
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1300.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I received a report on XXXX  that an account that I have no knowledge of was reportedly in collections. I dealt with a similar case earlier this year as I was a minor when said account was opened, and I believe it was made with the same company that this one is with too, according to my XXXX  report. I believe it was a result in identity theft as I never recall opening an account like this. I have not wrote to the company but I do want validation of this debt and to be disputed. 

The last company who said I had debt with the originating company was based in Ohio. They were incredibly helpful. Bottom line is, this is the second time this has happened and neither accounts are not mine and never were. I believe when they were open I had to have been a minor because I do keep track of accounts and the first official accounts I ever opened were when I was a legal adult. This account is not mine. I would like to resolve this and get this off my credit report as it is again, NOT mine but also harming my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-09-21 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I recently pulled my report and noticed that it was several items reported in accurately, and without my knowledge please help me get this account removed immediately XXXX 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 non-monetary relief
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I recently pulled my report and noticed that it was several items reported in accurately, and without my knowledge please help me get this account removed immediately XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: DC

Complaint narrative:
I bought Jewelry from XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX. 
A ring and necklaces. I paid XXXX down on the Jewelry. They said Acima Leading will assist you. Im Acima Leasing contacted me stated that I owe them, XXXX for the jewelry. I stated to them I had given XXXX XXXX  XXXX down, went to XXXX XXXX, longtime friend to see what was the Jewelry worth. They stated that the jewelry was a worth only XXXX, not XXXX. They stated if Pawned, they would give me only XXXX. 
I refuse to let Acima, take advantage of me, because I am a XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My name XXXX XXXX I need someone to contact and review my complaint because I never got my promotion and bonus I meet the requirements for I didnt get Direct Deposit Promotion : Earn a {$50.00} or {$300.00} bonus based on the amount of your first 25 days of direct deposits. And Or {$10.00} Funding Offer : New account holders who deposit at least {$10.00} within 45 days can earn XXXX SoFi rewards points. So please add the XXXX points to my account and the {$300.00} to my account I was supposed to get it please contact me at XXXX or email me at XXXX and account number is XXXX etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am disputing an inaccurate auto loan repossession reported by Credit Acceptance Corporation on my XXXX credit report. 

Creditor : Credit Acceptance Corporation Balance : {$17000.00} Status : Repossession / Charge-Off Opened : XX/XX/2023 This account is being reported with an inflated balance that exceeds the original high credit limit. Additionally, the date of first delinquency and reporting timeline are inconsistent, which could unlawfully extend the reporting period beyond the 7 years allowed under the Fair Credit Reporting Act ( FCRA ) 605 ( a ). 

I have not been provided original documentation, such as the signed retail installment contract, complete payment history, or records of repossession and auction sale. Reporting a balance without proper substantiation is inaccurate and misleading, violating FCRA 607 ( b ) ( maximum possible accuracy ).

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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This Company is trying to collect a debt on a account that was opened fraudulently and documents proving this has already been submitted to the original creditor for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: OR

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
SYN/FSTPROG- Amount of {$120.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX XXXX XXXX XXXX of {$290.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX XXXX XXXX Amount of {$660.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U. S. C 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I am disputing a charged-off auto loan reported to XXXX  by Exeter Finance LLC XXXX 

Balance : {$14000.00} Status : Charge-Off Opened : XX/XX/XXXX | Closed : XX/XX/XXXX The balance and status are questionable and have not been properly validated. Under FCRA 611 ( a ), I have the right to request reinvestigation and validation of this account. No original contract, account ledger, or proof of charge-off has been provided. 

Continuing to report a charge-off without proper documentation is misleading, harms my credit profile, and fails to meet accuracy requirements under FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prog Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has demonstrated an inflexible and harmful policy when it comes to consumers experiencing financial hardship. After losing my job, I reached out regarding my past due payments to request assistance or an extension. Instead, I learned that they do not offer any grace periods or hardship plans of any kind. Their policy is to immediately assess late fees the moment a payment is missed, without giving customers any chance to recover or communicate proactively. 

Whats worse, there is no live person to speak with. You are forced to go through an AI system and only after that can you send an email, which they claim takes up to XXXX hours for a response. This delay is unacceptable, especially when time-sensitive fees and penalties are involved. The lack of human support, flexibility, and transparency makes this process deeply stressful and unfair to those facing temporary financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CO

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, a business checking and savings account were opened with JPMorgan Chase Bank with an initial deposit of {$3000.00}. Later in XXXX, a capital contribution of {$2000.00} was deposited via an international wire transfer. 

On XX/XX/year>, XXXX additional capital contributions totaling {$380000.00} were deposited. These funds consisted of a {$130000.00} cashier 's check from XXXX  XXXX XXXX and XXXX international wire transfers totaling {$240000.00}. The total funds of {$380000.00} were intended for a real estate closing scheduled for XX/XX/year>. 

Immediately after the deposits on XX/XX/XXXX, Chase Bank froze the entire account balance without notice or explanation. As a direct result, the real estate purchase on XX/XX/XXXX could not be completed, leading to a default on the agreement and the forfeiture of the property. 

Between XXXX XXXX, the account holder visited a Chase branch XXXX provided all requested documentation, and was assured the funds would be released within an hour, but this did not happen. 

On XX/XX/XXXX, a bank statement indicated the account was closed and the balance was withdrawn via checks. However, these checks were never received. 

From XXXX XXXX, the account holder visited another Chase branch to inquire about the funds. More information was requested and supplied, with a promise that the release would be validated by Monday, XX/XX/XXXX. 

As of today, XX/XX/year>, the deadline has long passed, and Chase Bank has still not returned the {$380000.00}. This has resulted in financial damages estimated to be in excess of {$60000.00}, due to the lost property, lost rental income, interest costs, and travel expenses

Company response to consumer: Closed with explanation