vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Clarification Regarding My Banking History XXXX XXXX Dear Customer Finance Team, I would like to provide context and clarification regarding my banking history, which has unfortunately impacted my ability to open and maintain accounts with financial institutions. 

I opened my first debit account with Truist Bank, XXXX, Georgia Branch, on XX/XX/year>, at a time when I was newly arrived and actively seeking employment. Unfortunately, during this period, I became a victim of an online scam. 

On XX/XX/year>, Truist flagged my account for fraudulent activity related to deposits that were expected from XXXX XXXX XXXX XXXX, subsequently locking my account. I cooperated fully with the bank, shared my side of the story, and submitted evidence to show I had been unknowingly scammed. Despite this, I felt I was not given a fair hearing. 

I also reported the matter to the XXXXXXXX XXXX Department. After reviewing my case, they advised me that since I had not suffered financial loss and no legal case had been filed against me by the bank, there was no official record to be made. They instead cautioned me to remain vigilant and avoid online scams, advice which I have adhered to strictly ever since. 

Approximately three months later, I opened a new debit account with XXXX XXXX XXXXXXXX. However, the account was closed without prior notice, citing alleged fraud from my previous bank and issues related to a deposit account score. 

Attached are relevant documents and evidence that reflect the circumstances I experienced. I strongly believe that this past incident has become an unfair impediment to my ability to access basic financial services. 

I kindly request your assistance in reviewing this matter with fairness and helping me find a way to move forward. Please let me know if theres any additional information I can provide.

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 2025-07-22 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/year> we wanted to see if we could order items from Ashley furniture. We signed up for store credit and financing. 
XX/XX/year> product was attempted to be delivered that was not the order we had wanted multiple calls were placed to show room no one was available XX/XX/year> order was cancelled XX/XX/year> text was received that order was scheduled for delivery show room was called multiple times to cancel and we were told they would not accept a cancellation. We received no clear outline of cancellations ; however, we fell within time frame for returns. Requested the order be cancelled. Was told by sales representative that it would not be cancelled and that we would be charged to our credit card regardless whether we took the furniture or not. No where in our agreement did it state this XX/XX/year> accounts were closed and no charges were posted to the account XXXX received a bill from credit card company that we were billed for the order XX/XX/year> disputed charges with the credit card company that no order was received and the order was cancelled. They advised we would receive a consumer packet with information for us to provide to them in regards to the transactions and they would look into it XX/XX/year> mail was received stated that transaction was justified based on an order that had not been fulfilled and the charge was dated XX/XX/year> invoice was dated XX/XX/year>. Order form and charge to credit card have no matching information to the transaction to order, that was cancelled and not received Multiple emails have been sent to corporate office about order cancellation and order was cancelled and bank still charged the closed account for merchandise never received. 
Have attempted to work this out with the furniture company and bank and no results. 

Please note company opened multiple lines of credit it both mine and my husbands names and charged for an order that was cancelled Phone records can be provided to show the cancellation calls and multiple follow up calls can be made Emails can be provided showing attempts to work with show room and corporate and cancellation was agreed upon and advised to contact show room, but show room refused to cancel and return credit to account. 
Company still has merchandise. 
Nothing is in our possession. 
Multiple updates were provided via text on the order status stating order was not in, part of order were ready for delivery. 
Mislead on lead times, was told items were in that were not.

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 2025-07-22 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-07-21 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: Experian Information Solutions Inc.
State: CO

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 on going 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.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than 4 business days after the date of receipt.

Under 15 U.S. Code of 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

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 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM Financial Unlawful Denial of Business Credit Application in Violation of ECOA, TILA, FTC Holder Rule & Contract Law. 

To Whom It May Concern, I am filing this complaint against GM Financial for wrongful denial of a commercial credit application submitted on XX/XX/year> and on XX/XX/year>XXXX  I submitted for a Grant per ECOA and 14 CFR, 433 in the name of my business, J2J, LLC which is a properly established entity with the full capacity to contract under applicable commercial and UCC law. 

Pursuant to the Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 et seq., my business submitted a covered credit application for a commercial vehicle loan. Under 12 CFR 1002.2 ( e ) and 1002.106, my business is recognized as a small business and Minority-owned business entitled to consideration under ECOA guidelines . 

My application included all legally required documentation, and I personally signed it in my authorized position, which satisfies the elements of a valid contract under Contract Lawoffer, acceptance, mutual agreement, consideration, and competent parties. The dealership accepted my offer and moved forward, creating a binding agreement. 

GM Financials denial of the application is a direct violation of ECOA, as they failed to provide specific adverse action reasoning based on the businesss qualifications and capacity to contract. Instead, the denial appeared to be based improperly on the absence of a personal guarantor, which is not a requirement under commercial contract law or ECOA when the business can demonstrate financial capacity and creditworthiness. 

Furthermore, this denial contradicts the FTC Holder Rule ( 16 CFR 433 ), which by definition Purchase money loan is a cash advance, and this law also proves that a contract was created between the creditor and the Seller, and prohibits creditors from avoiding liability by selling or transferring loans and requires that holders of contracts acknowledge all defenses and claims that the consumer could assert against the seller. By ignoring the businesss standing and denying the application without lawful cause, GM Financial also acts in bad faith toward the dealership-seller relationship. 

Finally, under Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) and 12 CFR Part 1026, a creditor is required to disclose material loan terms and finance charges. I was not presented with Truth in Lending disclosures before any credit review or denialanother key regulatory failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I request that you remove all reporting of information related to these unauthorized accounts in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. Some of the disputed items have already been deleted by other credit bureaus, which further supports my concerns regarding their inaccuracy. Additionally, some of the reported payment histories are unfamiliar and suspicious. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} 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 explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I request that you remove all reporting of information related to these unauthorized accounts in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. Some of the disputed items have already been deleted by other credit bureaus, which further supports my concerns regarding their inaccuracy. Additionally, some of the reported payment histories are unfamiliar and suspicious. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX COMPANY COMPLAINED ABOUT : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX COMPLAINT SUMMARY : I am a victim of identity theft and an impacted individual in the XXXX XXXX Data Breach . I submitted to Synchrony Bank a valid FTC Identity Theft Report ( Report No. XXXX ), along with my government-issued ID, Social Security documentation , and XXXX  data breach confirmation showing I was affected.

Despite this, Synchrony Bank refused to delete or block the fraudulent accounts. They responded with generic denial letters dated XX/XX/XXXX, without providing a proper investigation or legally required documentation.

FCRA VIOLATIONS : FCRA 605B ( 15 U.S.C. 1681c2 ) : Refused to block identity theft-related information after valid documentation.

FCRA 1681e ( b ) : Failed to maintain maximum possible accuracy.

FCRA 1681s-2 ( b ) : Failed to reasonably investigate or delete inaccurate information.

FCRA 1681i : Failed to reinvestigate the disputes or respond with complete documentation.

FTC/CFPB ID Theft Guidelines : Ignored legal compliance requirements.

REQUESTED ACTION : 1. Permanently delete and block all Synchrony Bank accounts and inquiries under FCRA 605B.

2. Synchrony failed to provide : Method of verification Investigation results Forward flow agreement Chain of assignment Original signed application or contract All documents used to verify the alleged debt Because they failed to provide these, deletion is required.

3. Notify XXXX XXXX and XXXX  to immediately remove all Synchrony-related identity theft entries from my credit reports.

SUPPORTING DOCUMENTATION ATTACHED : FTC Identity Theft Report ( No. XXXX ) XXXX Data Breach Proof Government ID and SSN Synchrony Bank Denial Letters ( XXXX XXXX, XXXX, XXXX all dated XX/XX/XXXX ) NOTE : This dispute must be reviewed by a live human investigator under FCRA 1681i and 1681e ( b ). It can not be reduced to standard e-OSCAR codes.

If Synchrony Bank continues to report these unverifiable and fraudulent accounts, I reserve the right to pursue civil damages under 15 U.S.C. 1681n and 1681o.

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 2025-07-21 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: OH

Complaint narrative:
I setteled my account with XXXX XXXX XXXX  for {$260.00} the total balance was {$670.00}. on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX updated my credit report to reflect that my balance decreased by {$260.00} from {$670.00} to {$400.00}. XX/XX/year>XXXX XXXX XXXX reported that my balance went from {$400.00} to {$0.00}. My credit report should have been updated on XX/XX/year> as setteled paid for less. also my payment history was changed to unknow which is also incorrect information. Due to the incorrect reporting of this account it needs to be removed from all of 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 explanation
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX, and I recently discovered that I am a victim of identity theft. I'm writing this personal statement on my behalf, because I've found that my personal information and identification have been used to apply for and obtain financial goods, or services without my consent or knowledge. I am requesting that the listed accounts here be fully investigated, reviewed, and permanently deleted from my reports immediately. Additional Unauthorized Hard Inquiries : 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 2025-07-21 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX, and I recently discovered that I am a victim of identity theft. I'm writing this personal statement on my behalf, because I've found that my personal information and identification have been used to apply for and obtain financial goods, or services without my consent or knowledge. I am requesting that the listed accounts here be fully investigated, reviewed, and permanently deleted from my reports immediately. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: VA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( XXXX ) states : 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