vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: FL

Complaint narrative:
Good morning, I am writing out of deep frustration and disappointment regarding an unresolved dispute on my Synchrony Bank PayPal Credit account in the amount of {$880.00}. 

Despite months of tireless effort, including multiple calls and correspondence with both Synchrony Bank and the corporate offices of XXXX XXXX XXXX, this issue remains unresolved. XXXX XXXX XXXX has provided clear, documented proof that they processed a refund and returned the funds to PayPal after approving and receiving my return. Yet, Synchrony Bank has failed to reflect this refund on my credit account. 

It is unacceptable that I am still being told to just keep waiting when, by all accounts, Synchrony has received the funds back. The refund should have been posted immediately to my account once returned via PayPal. Instead, the charge continues to show on my credit report, impacting my financial standing through no fault of my own. 

I have exhausted all normal channels and am now left with no choice but to escalate this issue. I urge you to review this matter with urgency and remove the incorrect charge from my credit account without further delay. 

This situation has gone on far too long. I expect a resolution immediately. 

Sincerely, XXXX XXXX XXXX XXXX Account last XXXX XXXX XXXX purchase date- XX/XX/year>

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 2025-06-03 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX  and has taken a serious XXXX XXXX XXXX XXXX  Dealing with these inaccurate entries has been XXXXXXXX XXXX exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these XXXX  payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
Inquiries XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> TRANSFORM XXXX XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have requested the company replace my lost card. They have said they can not replace the card until I clear the fraud alert. I have cleared the fraud alert three times. They wont send a new card. In then requested they close my account. They wont close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I received a text message that my Apple Card was charged with approximately {$250.00} and some cents. I was asked to telephone the number on the text message. The person told me that my social security number was hacked and used to charge my Apple Card. The person, swished me to what he said was the Apple fraud section. I spoke to XXXX, who told me that many fraudulent charges have been made on my card. One of them was for a {$5000.00} purchase of XXXX. He asked me to go to my bank and withdraw {$5000.00} cash and to reverse that charge he persuaded me to go to a XXXX machine and buy {$5000.00} of XXXX. I was only able to purchase {$4800.00} out of XXXX machines. Once completed, he transferred to what he said was the Social Security fraud section, That person asked me many question about my investments, which I gave him. 
The next day, which is today I phoned Apple Card. They have no record of any charges and asked me to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete XXXX as a XXXX XXXX this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further XXXX and fraud to my personal information by having all these XXXXXXXX transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX XXXX XXXX  it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/year>, I filed XXXX separate disputes with Navy Federal Credit Union regarding unauthorized or undelivered transactions made using my debit card. The details are as follows : XXXX. XX/XX/year> Dispute Against Foreign Friends ( {$67.00} ) : I filed a dispute for a charge of {$67.00} from a company called Foreign Friends. I never received the item I ordered, nor have I received any shipping confirmation or delivery updates from the merchant. The lack of communication and non-delivery prompted me to submit the dispute. 
XXXX. Later in XXXX Dispute Against Vision World for {$89.00} : I filed another dispute against XXXX XXXX for a product I purchased that was advertised as premade and stated it would ship within XXXX business days. That order was never fulfilled, and I did not receive any shipment or tracking details. The merchant failed to honor the expected delivery timeline or provide proof of fulfillment. 

Despite these facts and my submission of supporting documentation, Navy Federal Credit Union has refused to issue provisional credit while they continue their investigation. A representative explicitly informed me that they would not provide provisional crediteven though I had demonstrated I never received the goodswhich contradicts the protections afforded under Regulation E of the Electronic Fund Transfer Act.

Under 12 CFR 1005.11 ( c ) ( 2 ), if an investigation can not be completed within XXXX business days, a financial institution is required to provisionally credit the consumers account for the amount of the alleged error. Navy Federal has not complied with this requirement, leaving me without access to my own funds while the bank continues its investigation beyond the allowed timeframe. 

This handling of my case does not reflect the duty of care expected from my banking institution and has caused me undue financial stress. I believe my rights under Regulation E have been violated, and I am seeking assistance to ensure that my funds are restored in a timely and lawful manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX fraudulent charges from XXXX  XXXX from various locations. I received a text and an email from XXXX XXXX XXXX asking if these were my charges. I called, the charges were reversed. I received a letter dated XXXX XXXX and new credit card with a new account number. 
XXXX XXXX more fraudulent charge from XXXX  XXXX XXXX 
I called that day to report it XXXX The person I spoke took all the information. A few days later I received a new credit card in the mail with the original account number. No letter regarding the claim and no reversal on my bill. 
XXXX I spoke with XXXX. He said it is being worked on. I asked for a manager or supervisor as the charge was still there, my bill is due soon etc. He said there are no onsite managers and even if there were I would not get a different response. He said he would have a letter resent to me. 
XXXX I sent an email to XXXX XXXX XXXX XXXX have not heard back XXXX Paid my bill in full along with the fraudulent charge as I had no choice I have not received a letter regarding the claim. 
My concern is there is not adequate help to resolve this situation. I am concerned if this were to happen again with a more substantial charge, what would I do. Am very dissatisfied with their lack of concern and am still not sure if it is being looked into as I have still not received a letter to confirm.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Unable to submit dispute also score is not equitable and no access to any credit whatsoever. Also unless agencys have written pernission to use registered trademark then any and all agencys subject to my standard fee of {>= $1,000,000} usd per incident and if not prepared to pay usage fee then i would give proper warning that any future use is considered unathorized and is subject to fees! No exeptions! So stop using or kindly pay my usage fee and be advised thats per incident.

Also no positive history? Why not? 
XXXX XXXX and Equifax also XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX all data furnishers must respect my permanent Opt out of any and all usage of my Trademarked name and if furthur usage identified dont be surprised when you recieve a bill for {>= $1,000,000} usd. If dont want to pay do not use my Trademark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-06-03 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
My nonpublic personal information has been unlawfully disclosed to XXXX XXXX XXXX without my consent, violating my privacy rights under federal law, including the XXXX XXXX. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA XXXX ( XXXX XXXX. XXXX ). Furthermore, under FCRA XXXX ( XXXX U.S.C. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Applied online for a {$800.00} bonus to open a checking account with PNC bank. Was denied twice via the online portal. Called the bank 's telephone helpline and asked for an explanation. PNC Bank confirmed the XXXX denials and I was told no information could be provided about the reason for the denial. I was told I would receive an adverse action letter within XXXX days explaining the reason for the denial however it has been over a month and I have not received any further information from PNC or any other agency. My credit score is XXXX so this was very confusing and I feel like I have been treated very unfairly by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I have XXXX different XXXX XXXX  cards that I have paid off and they refuse to send current balance to credit bureauXXXX

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 2025-06-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-06-03 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: TX

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 ) ( 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 non-monetary relief
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
My information has been exposed in a national data breach. After reviewing my credit reports I have noticed accounts that I am not familiar with. I have asked the CRA 's for validation of debt but it has yet to be provided. I have submitted a FTC complaint. Please find the attached FTC 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