vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, my credit card account with Amazon - Synchrony Bank was closed without adequate notice or a clear explanation of the policy that justified this action. I respectfully requested documentation specifying the closure terms but have yet to receive an adequate response. I was told that since the account closure that I should receive a letter in the mail in 7-10 days. I would have expected communication in writing that disclosed that my account was at risk of closure and the agreement terms that were in breach. 
This decision occurred shortly after a deeply distressing personal eventthe illness and passing of my mother on XX/XX/year>. During this period, my financial activity did not have reflect my typical patterns due to the responsibilities and emotional toll involved in her care. I believe this life event should have been taken into consideration. This is not an excuse, however, being consumed by this did cause delays in addressing some of my personal business concerns as I was out of town for several weeks. 
The closure has a strong potential to negatively affect my credit profile that I have worked so hard over the last several years to build back. The added undue stress during an already challenging time and coming home this was just too much. I am asking the CFPB to investigate the circumstances surrounding the closure and to request that Synchrony Bank provide : A written explanation of the account closure, including the specific policy invoked A reassessment of the decision with consideration for the extenuating circumstances Requested Resolution : Reinstatement of the credit card account, or Formal documentation explaining the closure Assurance of fair and empathetic treatment aligned with federal consumer protection standards Thank you for your attention to this matter.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing an Experian-reported child support account that is inaccurately affecting my credit profile and violating FCRA compliance standards. Despite providing Experian with documentation, they responded that the account was verified and made no correctionseven though the information being reported is factually and legally inaccurate.

Details : This child support account is marked paid/closed yet continues to report derogatory marks for XXXX, XXXX, and XX/XX/XXXX. 

I have attached : A ledger from the U.S. Department of Treasury showing two payments made in XX/XX/XXXX totaling over {$740.00} toward child support. 

Payroll paystubs from XXXX XXXX XXXX showing consistent income withholding of {$55.00} every two weeks, confirming I am actively paying.

A refund check from the Michigan State Disbursement Unit ( MISDU ) for {$49.00}, indicating the account is either overpaid or settled.

This account is only being reported to Experian, not XXXX or XXXX. This results in misleading and inconsistent data on my credit profile, which has directly led to recent credit denials, including from XXXX XXXX  and XXXX XXXX. ( Denial letters attached. ) Experian conducted a reinvestigation but failed to correct any data. Their response was that the furnisher verified the account. However, under FCRA XXXX ( b ), furnishers and CRAs are required to report accurate and complete data, and this account is clearly non-compliant : It reflects ongoing derogatories after a payoff. 

It does not reflect its full credit age ( opened in XXXX ). 

It continues to update negatively even while actively being paid and showing a paid/closed status. 

Harm caused : Because of this Experian-only, inaccurately reported child support account, I have been denied credit and banking relationships. These derogatory marks are misleading and do not reflect the actual state of the account, which has been paid and is currently under active withholding. This is causing real financial harm and must be resolved 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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing XXXX accounts being reported by XXXX XXXX XXXX XXXX on my personal credit report. These accounts are being reported as if I am personally responsible, but they are tied to a trust. I am the beneficiary of that trust not the trustee, account holder, or borrower and I have never signed for or accepted personal liability for these debts. 

The specific accounts being reported are : XXXX in the amount of {$1900.00} Another in the amount of {$650.00} Because these accounts are held in a trust and I am not the responsible party, they should not be reported under my personal credit file. Reporting these debts under my Social Security number is a factual error. I previously submitted documentation showing that the accounts are trust-held and that I am not liable. Despite this, XXXX XXXX XXXX continues to report these debts as mine. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits inaccurate and misleading reporting. I am requesting that both accounts be immediately deleted from my credit reports across all major credit bureaus, and that I receive written confirmation of this action. 

This situation has caused ongoing harm to my credit and must be corrected immediately. A fair resolution would be full removal of both accounts from all credit files, as I am not legally responsible for these debts.

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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
I realized that Toyota Motors was reporting on my credit report and contacted the lender to advise them that I never applied for an auto loan with their company. Toyota advised me that someone had been making payments on the vehicle for a short period of time before defaulting. That wasn't my concern because I didn't apply for it. I tried verifying my information but what they had didn't match what I provided as confirmation. I requested that they send me proof of the account, contract and the information of mines that they had received for this loan, and I never received any of the documentation that I requested. I also reached out to the credit bureau to dispute it but just received a auto generated response. It was never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-20 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: DC

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: DC

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A Chapter XXXX bankruptcy that was already XXXX is still being reported on my credit report, and I believe the way its showing up is not entirely accurate. I contacted the court and was informed they do not report to credit bureaus, so the information is likely coming from a third-party source. 

Because of this, I believe the credit bureaus are reporting unverified or outdated information, which is a violation of my rights under the Fair Credit Reporting Act, especially 15 U.S.C. 1681e ( b ) ( which requires maximum possible accuracy ) and 1681b ( which limits who can access and use my information ).

Im not working with a credit repair agency Im simply trying to clean up my credit and make sure whats being reported is fully verified and accurate.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was recently looking at my credit report and noticed a credit card account on my report opened XXXX that I didn't authorize.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: ND

Complaint narrative:
I currently can not get into my cash app, someone hacked into it and stole my money and deactivated my account. Would you be able to look into it for me please and thank you? I'm currently going through identity theft, I'm homeless with my no address at the moment. Mailing address is at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
FCRA 1681e ( b ) requires that credit reporting agencies ensure all reported information is accurate and up to date. The continued reporting of conflicting or unverifiable data violates this standard. 

I have been disputing these same accounts for a yr now, these bureaus have yet to show proof of any contracts with my name and signature on it. I have asked them to provide proof that these accounts were mine to begin with and I have not recieved anything. Futhermore there is a childsupport deragatory on here as well. Courts do not furnish that information to bureaus, I have asked for proof of the ruling and again nothing has came my way. If they are getting this from public records that is not verifiable information or source. That goes against my consumer laws

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 1681e ( b ) requires that credit reporting agencies ensure all reported information is accurate and up to date. The continued reporting of conflicting or unverifiable data violates this standard. 

I have been disputing these same accounts for a yr now, these bureaus have yet to show proof of any contracts with my name and signature on it. I have asked them to provide proof that these accounts were mine to begin with and I have not recieved anything. Futhermore there is a childsupport deragatory on here as well. Courts do not furnish that information to bureaus, I have asked for proof of the ruling and again nothing has came my way. If they are getting this from public records that is not verifiable information or source. That goes against my consumer laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2025-06-20 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:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I paid off my Citi Double Cash credit card in full at the same day the statement was generated. Despite this, the statement still reflected a {$600.00} balance. 

I contacted Citi support the next day and was told a manual update would be submitted to the credit bureaus to reflect a {$0.00} balance. I have screenshots confirming this. 

However, Citi refused to issue a corrected statement, which leaves me unable to safely use the available credit without risking a negative report. This directly harms my credit profile.

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 2025-06-20 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-20 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief