vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: WV

Complaint narrative:
I received a letter from Synchrony stating that they were doing a review to verify recent transactions processed on a XXXX cash rewards Card account. I called they wanted my full social security number not just the last XXXX. They said that it is an account number ending in XXXX on the letter. I do not have this card. I do not regularly shop at XXXX. I do not like it there. I asked them what charges and dates were on this card and they would not tell me. They said they could only tell me after I gave them my address which Im not comfortable doing as I really dont know if this isnt fraud. So they said to file complaints on here because I wont give them my full address. I asked them if they could confirm part of my address before I gave them the rest and they refused. I do not trust this organization as they are talking about a possible fraud situation and act like they are trying to get more information that could put you in worse circumstance by giving them more information that they should already have. I would be willing to give my last XXXX digits of my Social Security number which I do believe I did, but I refuse to give any more information until they can verify theyre this is the legitimate company. Ive never had a company not be willing to confirm your own information with you to make sure that it is not fraud when you call them. I believe they said the card was started on XX/XX/year> which was last month. I did not want this card nor did I purchase anything on this card. They talked about this being on reported to credit agencies, but it is not my card. I would never open a card like this intentionally they said and agreed that it was fraud so Im wondering if they just dont do this all of time to get more information out of you. It just seems sketchy and nowadays you can not be too careful. If theres anything you could do to help me resolve this matter as I do not have that card I have never seen that card. Thank you so much for your attention to this and anything you can do to help is very appreciated. They blew me off, saying just to record this to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding XXXX Credit Card Unfulfilled Promotional Offer Dear CFPB, I am filing this complaint regarding a promotional offer that was not honored by the issuer of my XXXX Credit Card. 
Details : Card Issuer : Citibank , N.A . ( XXXX XXXX XXXX ) Account Applied and Approved : XX/XX/2025 Promotion Offered : XXXX off per gallon on fuel purchases for the first XXXX  days after account opening. 
Issue : I was approved for the card, activated it, and made several eligible fuel purchases at XXXX and XXXX stations within the first XXXX  days. Despite meeting the promotional requirements, I never received any statement credits or discounts related to the XXXX per gallon promotion. 

I contacted customer service multiple times and eventually spoke with a manager. Each time I was told I did not qualify, but no clear explanation or written documentation was provided. My account has remained in good standing, and I have verified that my purchases were at eligible XXXX stations using the XXXX credit card. 
This appears to be a failure to honor the promotional terms and potentially misleading advertising by the issuer. I am requesting the CFPBs assistance to have CitibankXXXX investigate this matter, provide a written explanation, and apply the proper promotional credits that were advertised at the time of my account opening. 

Supporting Documents : Statements showing qualifying transactions within that period Record of customer service calls, including dates and names of representatives/managers spoken with Requested Resolution : That Citibank ( issuer of XXXX credit card ) honor the promotional offer as advertised or issue an equivalent statement credit for the missed promotional amount, and provide a written explanation of the reason for prior denial. 


Email : XXXX Account XXXX XXXX Digits : XXXX Thank you for your attention to this matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
This letter is a formal demand for you to cease and desist all communications with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that your office immediately terminate all direct and indirect communication with me, including but not limited to : Phone calls Letters or electronic correspondence Contact with my family, employer, or any third party Furthermore, pursuant to 15 U.S.C. 1692g ( b ), I refuse to pay the alleged debt and hereby dispute its validity in full. I do not owe this alleged debt. If you have not already done so, you are required to cease all collection efforts until you provide the following : 1. Verification of the debt, including the name of the original creditor, a breakdown of the amount claimed, and the legal basis for your collection.

2. A copy of the original signed contract or application, establishing that I have a legal obligation to pay the alleged debt.

3. Chain of assignment or sale proving your legal standing to collect on this debt, if applicable.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you are furnishing this account to any consumer reporting agency, you are required to : Mark the account as " disputed by consumer '' ; and Refrain from reporting inaccurate or unverifiable information ; and Promptly investigate and delete any information that can not be properly verified. 

Unverified accounts reporting below : XXXX- Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # 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 XXXX-Acct # XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-10-22 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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The inaccurate inclusion of this account has been mentally draining and emotionally distressing. Ive attached evidence to support its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 


XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OK

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2200.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: GA

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate items on my credit report that are causing significant financial and personal harm. These entries violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate and complete information. 
XXXX, Account Number XXXX, High Balance {$7300.00}, Opened XX/XX/XXXX This account is listed as a chargeoff. I have no knowledge of any delinquency or default that would justify this status. The account information is inaccurate, misleading, and in violation of my rights under the FCRA. I demand a full investigation, verification of all documentation, and deletion of this chargeoff if proper validation can not be provided. 
XXXX XXXX, Account Number XXXX, High Balance {$18000.00}, Opened XX/XX/XXXX This account is also reported as a chargeoff. I have never authorized or been informed of any default on this account. I dispute this chargeoff and request correction or deletion immediately, as it is severely impacting my creditworthiness and may constitute an error under FCRA 1681i. 
XXXX, Inquiry dated XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ), all inquiries require prior authorization. I request investigation and removal of these unauthorized inquiries. 
These inaccuracieswrong addresses, chargeoffs, and unauthorized inquiriesare materially harming my creditworthiness, causing undue stress, and violating my rights under FCRA. I request CFPB and the credit reporting agencies to conduct a full investigation and provide written confirmation of corrections or deletions.

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 2025-10-22 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 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: CA

Complaint narrative:
In XX/XX/XXXX, I was notified that my personal information was involved in the XXXX data breach, which exposed sensitive identifying data including my Social Security number and address. 
Following this breach, several fraudulent and inaccurate accounts appeared on my credit reports that I never authorized or opened. The following accounts were directly caused by the XXXX breach and should be deleted immediately as they were opened without my consent : XXXX XXXX XXXX ( duplicate collection accounts ) XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  Despite submitting dispute letters to Experian, Equifax, and TransUnion, these accounts remain inaccurately reported and have severely impacted my creditworthiness. This failure to correct unverifiable and fraudulent data violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ). I have attached my XXXX credit report ( dated XXXX XXXX showing these accounts, along with my ID verification and proof of address for validation purposes. I am requesting the CFPB to escalate this matter due to the confirmed XXXX breach connection and compel each bureau to reinvestigate and remove these fraudulent accounts within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
In XX/XX/XXXX, I was notified that my personal information was involved in the XXXX data breach, which exposed sensitive identifying data including my Social Security number and address. 
Following this breach, several fraudulent and inaccurate accounts appeared on my credit reports that I never authorized or opened. The following accounts were directly caused by the XXXX breach and should be deleted immediately as they were opened without my consent : XXXX XXXX XXXX ( duplicate collection accounts ) XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  Despite submitting dispute letters to Experian, Equifax, and TransUnion, these accounts remain inaccurately reported and have severely impacted my creditworthiness. This failure to correct unverifiable and fraudulent data violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ). I have attached my XXXX credit report ( dated XXXX XXXX showing these accounts, along with my ID verification and proof of address for validation purposes. I am requesting the CFPB to escalate this matter due to the confirmed XXXX breach connection and compel each bureau to reinvestigate and remove these fraudulent accounts within 30 days.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-10-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Dispute of Charge-Off Account - XXXX Account Number : XXXX Account Balance : {$2900.00} I have requested debt validation and this company has continues to conduct a batched investigation if any. They have continuously mailed stall letters to me via XXXX. I have sent in FTC Affidavit outlining that I am a victim of Identity Theft. I demand the following : XXXX. Securitization history if ever securitized. 
XXXX. Proof that I owe the alleged debt. 
XXXX. XXXX XXXX XXXX. Double Entry Accounting Record XXXX. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy. 
XXXX. The date of charge-off and the reason for the charge-off. 
XXXX. Any documentation of a XXXX issued in connection with the debt.

Company response to consumer: Closed with explanation