vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
Subject : Formal Complaint Against Synchrony Bank Regarding Improper Account Closure and Credit Reporting To Whom It May Concern : I am submitting this formal complaint regarding Synchrony Banks improper closure of my Lowes credit account ( Account # : XXXX ) and the lack of opportunity I was given to resolve what originated as a simple, unintentional payment error. 

On XX/XX/year>, I received a letter dated XX/XX/year>, from Synchrony Bank stating that my account was closed due to XXXX dishonored payments. This is inaccurate. I submitted XXXX payment, drawn from the wrong checking account by mistake. I realized the error the same day, contacted Synchrony Bank immediately, and was informed that the account still showed a XXXX balance. I was told to wait until the system updated before making a corrected payment. 

Over the next several days, I made multiple phone calls, visited XXXX XXXX  XXXX times, and struggled with online access due to a previously set-up XXXX XXXX  that I wasnt aware of. During this entire time, Synchrony agents including supervisors told me the account was paid in full, and no payment could be accepted until the system updated. 

Eventually, when the balance of {$870.00} was finally reflected, I paid it in full immediately. 

Despite all of this, Synchrony still closed my account weeks after it was paid off. When I called and escalated the issue, the manager was dismissive and rude. I explained I am a XXXX individual with recent XXXX  XXXX and a cataract, and that I took immediate and repeated steps to resolve the issue. I have never missed or been late on any of my other Synchrony accounts. 

I am requesting : XXXX. Reinstatement of the account XXXX XXXX. Removal of all negative remarks or adverse impact to my credit report related to this issue This is an example of poor communication, procedural failure, and an unfair penalization of a customer who acted in good faith. I have attached my full letter for review and respectfully request the CFPBs assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-06-11 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: TN

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-06-11 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-06-11 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : credit collection services. This accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Subject : Dispute of Unauthorized Access or Furnishing of My Consumer Report under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the furnishing and/or access of my consumer report without my written consent, as required by the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681b.

According to 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only under certain permissible purposes and, in specific cases such as employment or account review, only with the written consent of the consumer. 
Upon reviewing my credit report, I noticed XXXX or more entries or inquiries that were made without my knowledge or written authorization. I am asserting that I did not provide written consent for [ insert company name or specific inquiry/furnisher, if known ] to access or furnish my consumer report. 
I request the following actions be taken immediately : 1. Conduct a reinvestigation in accordance with 15 U.S.C. 1681i into the unauthorized furnishing or access of my report. 
XXXX. Provide me with a written explanation, including : o The identity of the party who accessed or received my report. 
o The stated permissible purpose under which the access was granted. 
o A copy of the written consent, if your records indicate XXXX was provided. 
XXXX. Remove any unauthorized inquiries or accounts that were furnished or accessed without proper legal basis. 
Please consider this letter as a formal dispute and request for investigation. Under the FCRA, you are obligated to complete your investigation within XXXX  days and provide me with a response in writing. 
If you are unable to verify that proper authorization was granted, I expect that the relevant entries or inquiries will be removed immediately from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX Date : XX/XX/year> To : Portfolio Recovery Associates XXXX, VA XXXX Subject : Debt Validation and Cease Reporting Request Under FCRA Account # XXXX and XXXX  XXXX XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt listed under account number XXXX and XXXX reported by Portfolio Recovery Associates This letter is a request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and also serves as a dispute and request for removal under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 
I am requesting the following : XXXX. Debt Validation : o A full itemized accounting of the alleged debt including the original balance, interest, and fees. 
o A copy of the original signed agreement or contract. 
o The name and address of the original creditor. 
o A copy of the assignment and bill of sale showing legal transfer of the account from the original creditor to XXXX XXXX XXXX. 
XXXX. Permissible Purpose : o Please provide documentation verifying that XXXX XXXX XXXX had a permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ] to obtain or report information related to this alleged debt.

3. Cease and Desist Reporting of Inaccurate Information : o The Date of Last Activity ( DOLA ) on my credit report is inaccurate and inconsistent with my records. Under FCRA 605 ( a ), XXXX XXXX is prohibited from reporting inaccurate or outdated information. 
o Until you provide full validation of this debt, I am requesting that you cease all collection activities and reporting to consumer reporting agencies. Any continued reporting without proper validation is a violation of FCRA and FDCPA. 
o As the DOLA and associated reporting are inaccurate and unverifiable, the account must be deleted from all consumer credit reports pursuant to FCRA 609 ( a ) and 611 ( a ). 
XXXX Please note that any failure to respond with the requested documentation within XXXX  days will be considered your agreement that no such documentation exists, and this account must be removed from all of my credit files with the major credit bureaus ( XXXX XXXX XXXX XXXX ). 
This letter is not a refusal to pay, but a notice that your claim is disputed. If you do not cease reporting this unverifiable and inaccurate debt, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: SC

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 XXXX  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 2025-06-11 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: CT

Complaint narrative:
Ive recently saw in my credit report and noticed several inaccuracies and unauthorized information reporting to my credit report. These remarks have been detrimental to my life and credit health. I saw i have XXXX accounts closed in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NC

Complaint narrative:
XXXX XX/XX/XXXX and XX/XX/XXXX I had XXXX XXXX transactions that were sent to an imposter, which XXXX claims to return back if it's an imposter. This person was pretending to be a business to fix my credit. I had sent {$150.00}, {$550.00}, and {$160.00}, and the bank is saying that I did it without any issues, however this is not the refund that XXXX promised me. I have filed a police report against this person, as well as reported their scam to the FTC.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NE

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : INQUIRIES : EXPERIAN XXXX CRED Date XXXX 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief