vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank improperly closed multiple credit card accounts based on erroneous fraud-related information that was reported to my credit report due to identity theft. That information has since been investigated and removed from my credit reports, yet the accounts were still closed using outdated and inaccurate data. 
I contacted Synchrony Bank to dispute the closures. Representatives for several of my Synchrony cards agreed to submit my case to the back-office team for review. However, XXXX departments refused to escalate or submit the review, despite my explanation that the fraud had already been resolved. 
On XX/XX/year>, a fraud supervisor named XXXX and a customer service agent named XXXX both refused to submit the matter for back-office review, unlike other Synchrony representatives who agreed to do so for my other accounts. 
The closures were justified as high risk of failure to pay, which is inaccurate and appears to rely on credit information that no longer exists. Synchrony failed to conduct a reasonable review using current, accurate credit data, resulting in financial harm and credit damage.

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 2025-12-23 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: NJ

Complaint narrative:
I am writing to formally notify Experian that I am a victim of identity theft and to dispute inaccurate and fraudulent information currently appearing on my consumer credit report. 

I did not authorize, open, apply for, or benefit from certain accounts and/or inquiries reported under my name and Social Security number. These accounts are the result of identity theft and were opened or used without my knowledge or consent. 

Upon discovering the fraudulent activity, I took immediate steps to protect myself, including : Reviewing my credit reports for inaccuracies Filing identity theft documentation ( where applicable ) Taking action to prevent further unauthorized use of my personal information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that Experian : 1. Conduct a full investigation into the disputed accounts and inquiries 2. Block, remove, and permanently delete all information resulting from identity theft 3. Cease reporting any fraudulent data to third parties 4. Provide written confirmation once the investigation is complete I am requesting that Experian rely only on competent and verifiable evidence during this investigation. Any information that can not be fully verified must be removed from my credit file as required by federal law.

Enclosed/attached ( if applicable ) : Proof of identity ( government-issued ID ) Proof of address ( utility bill or bank statement ) Identity theft affidavit or FTC Identity Theft Report ( if available ) I appreciate your prompt attention to this matter and expect compliance within the time frame required by law. Please communicate with me in writing only regarding the results of this investigation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am writing to formally notify Experian that I am a victim of identity theft and to dispute inaccurate and fraudulent information currently appearing on my consumer credit report. 

I did not authorize, open, apply for, or benefit from certain accounts and/or inquiries reported under my name and Social Security number. These accounts are the result of identity theft and were opened or used without my knowledge or consent. 

Upon discovering the fraudulent activity, I took immediate steps to protect myself, including : Reviewing my credit reports for inaccuracies Filing identity theft documentation ( where applicable ) Taking action to prevent further unauthorized use of my personal information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that Experian : 1. Conduct a full investigation into the disputed accounts and inquiries 2. Block, remove, and permanently delete all information resulting from identity theft 3. Cease reporting any fraudulent data to third parties 4. Provide written confirmation once the investigation is complete I am requesting that Experian rely only on competent and verifiable evidence during this investigation. Any information that can not be fully verified must be removed from my credit file as required by federal law.

Enclosed/attached ( if applicable ) : Proof of identity ( government-issued ID ) Proof of address ( utility bill or bank statement ) Identity theft affidavit or FTC Identity Theft Report ( if available ) I appreciate your prompt attention to this matter and expect compliance within the time frame required by law. Please communicate with me in writing only regarding the results of this investigation. 

Sincerely,

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally notify Experian that I am a victim of identity theft and to dispute inaccurate and fraudulent information currently appearing on my consumer credit report. 

I did not authorize, open, apply for, or benefit from certain accounts and/or inquiries reported under my name and Social Security number. These accounts are the result of identity theft and were opened or used without my knowledge or consent. 

Upon discovering the fraudulent activity, I took immediate steps to protect myself, including : Reviewing my credit reports for inaccuracies Filing identity theft documentation ( where applicable ) Taking action to prevent further unauthorized use of my personal information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that Experian : 1. Conduct a full investigation into the disputed accounts and inquiries 2. Block, remove, and permanently delete all information resulting from identity theft 3. Cease reporting any fraudulent data to third parties 4. Provide written confirmation once the investigation is complete I am requesting that Experian rely only on competent and verifiable evidence during this investigation. Any information that can not be fully verified must be removed from my credit file as required by federal law.

Enclosed/attached ( if applicable ) : Proof of identity ( government-issued ID ) Proof of address ( utility bill or bank statement ) Identity theft affidavit or FTC Identity Theft Report ( if available ) I appreciate your prompt attention to this matter and expect compliance within the time frame required by law. Please communicate with me in writing only regarding the results of this investigation. 

Sincerely,

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 2025-12-23 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: UT

Complaint narrative:
I am filing a formal complaint against XXXX. They picked up a debt from XXXX and am filing this regarding unauthorized and improper collection practices by XXXX. The account was sent to collection and is being actively collected by XXXX. Despite this, the original creditor has continued attempting to draft payments directly from my account. This conduct raises concerns under the Electronic Funds Transfer act 15 U.S.C. 1693e. Unfair and deceptive practices including confusion as to who has authority to collection. I am requesting immediate cessation of all bank drafts by the original creditor. Written confirmation of who current owns or services the debt and assurance that this will be removed from any credit reporting agencies. I ask the bureaus follow their due diligence and remove this account for misleading and inaccurate reporting by both the collection agency and original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am disputing unauthorizied inquiries in my consumer report file

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 2025-12-23 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: TX

Complaint narrative:
I am disputing unauthorizied inquiries in my consumer report file

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Reported an incident involving unauthorized endorsement and fraudulent deposit of Check # XXXX in the amount of {$2900.00}, originally issued on XX/XX/XXXX. 

Check was mailed and deposited into single account without my endorsement. 

XX/XX/XXXX Spoke with XXXX regarding Check # XXXX ( {$2900.00} ). Copy requested of check. 
XX/XX/XXXX Spoke with XXXX. She confirmed the check was deposited on XX/XX/XXXX. Reported that my signature was forged and deposited into a single account to which I have no access. 
Action : Declaration of Unauthorized Endorsement initiated. 
XX/XX/XXXX Spoke with XXXX. Reference # XXXX Tried to confirm the information needed on the Declaration of Unauthorized Endorsement was correct and complete. Initiate faxed fail with number provided. XXXX suggested I go into a local Chase branch. 
XX/XX/XXXX Called local Chase branch to schedule an appointment. 
XXXX XXXX  Appointment at Chase XXXX, SC. Faxed unauthorized endorsement forms. 
XX/XX/XXXX XXXX attempted to confirm receipt of documents. Call transferred to XXXX XXXX with XXXX Teams XXXX XXXX. 
XX/XX/XXXX Spoke with XXXX; advised I should hear back in a few days. 
XX/XX/XXXX Phone rang once ; no message or callback extension. Call originated at XXXX XXXX  from XXXX. 
Confirmed with XXXX regarding case status. Case was uploaded on XX/XX/XXXX to the case manager. 
XXXX called and repeated the information provided by XXXX. 
XX/XX/XXXX XXXX XXXX  Appointment at Chase XXXX, SC. Confirmed no additional information was needed. 
XX/XX/XXXX Spoke with Escalation Manager XXXX at XXXX. 
XX/XX/XXXX Phone rang once ; no message or callback extension. Call originated at XXXX XXXX  from XXXX. 
Called back and spoke with XXXX. XXXX noted in the system that he sent a follow-up email to the department handling my case. 
XX/XX/XXXX Phone rang once ; no message or callback extension. Call originated at XXXX XXXX  from XXXX. 
Called back and spoke with XXXX. Case needs resolution ; XXXX will reach out to the team. Should hear back this week. XXXX noted the system but mentioned the 90-day process. 
Requested a return phone call due to repeated hang-ups after one ring. 
Note : Numerous inconsistencies reported. 
XX/XX/XXXX No return call XX/XX/XXXX XXXX XX/XX/XXXX No return call XXXX No return call. 
XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX returned my follow-up request. XXXX spoke with XXXX XXXX, a XXXX XXXX at Chase Bank, on XX/XX/XXXX. 
Update : XXXX XXXX stated that Chase sent out affidavits to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
XX/XX/XXXX No returned calls, no follow-up, and no affidavits received. 
________________________________________ Outstanding Issues No affidavits received as of XX/XX/XXXX. 
Multiple missed calls and lack of follow-up from Chase. 
Case remains unresolved beyond the expected timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-12-23 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:
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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, multiple unauthorized debit card transactions totaling over {$2000.00} occurred on my Bank of America checking account. 

I had two physical debit cards linked to the same account : an original red Bank of America debit card and a XXXX XXXX Universitybranded debit card. 

- The two cards shared the same card number and expiration date but had different three-digit security codes ( CVV ) and functioned as separate physical cards. 

- The unauthorized transactions were made using the red debit card, which was not in my possession. 

- The XXXXbranded debit card remained in my possession and was used for legitimate transactions before and after the fraud. 

- I only disputed the unauthorized transactions made using the red debit card. 

- I reported the fraud on XX/XX/year>. 

- Bank of America issued a temporary credit on XX/XX/year>, then later froze my account and restricted access to my funds for over a month. 

- Bank of America denied the fraud claim, citing an accidental Yes response to a fraud alert and later undisputed transactions made using the XXXXbranded card. 

- Bank of America did not properly distinguish between the two physical debit cards in its analysis.

- Although access to my funds was later restored, the fraud claim denial remains unresolved.

- Under Regulation E, authorization must be evaluated by access device ; use of one physical debit card does not authorize transactions made on a different physical card that was not in the customers possession.

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 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts on my credit report. Below is a list of accounts in dispute, organized by each bureau. I believe the information in question is inaccurate and request that these items be investigated and corrected accordingly. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX A Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-12-23 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: IL

Complaint narrative:
XXXX XXXX XXXX asked me to send a police report for them to remove negative item from report. I have also provided ftc report as well. Experian and Transunion should remove all negative items from report immediately

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 2025-12-23 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: IL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-23 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: NC

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances or account statuses appear to be incorrect. Please review and correct these entries. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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