vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Approximately 3 months ago I opened a XXXX XXXX XXXX card that was through Synchrony Bank. On XX/XX/year> I received an email stating my account had been closed and the only reason given was " unable to verify personal information ''. I immediately contacted Synchrony and asked for infringement as to what the issue was. The representative gave me a completely different answer by stating it was due to other accounts that were not serviced by Synchrony. I informed them that was not the reason the letter gave and I was transferred to a " manager ''. This " manager '' was incredibly rude and unhelpful. I admit I was upset but I was talking in a civil tone. I was first told they could " close my account at any time for any reason ''. I said this has to be a joke and I had never been treated like this before. I was then told this was " not personal ''. I stated that is not what I said. I then asked what information was not correct. The " XXXX '' was not able to tell me. Instead they said for me to pull my credit report and look at it. I saw this conversation was going nowhere and disconnected.

In my mind Synchrony closed my account for no reason what so ever. They refused to give me more information and refused to even be helpful. I stay on top of my credit and I know the information is correct. I believe they are engaged in discriminatory practices because there was no reason for this account to be closed. The fact they could not or refused to tell me what information was wrong tells it all. 

This company does not deserve to be in business.

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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX through their XXXX XXXX XXXX and was misled throughout the process. I was told multiple times that I would receive {$14000.00} off the vehicle price, and there was a sticker on the vehicle showing that discount. I was also told I had {$10000.00} in positive equity in the new car I was purchasing despite not trading in any vehicle. These promises were a key reason I agreed to the sale. 

When the final paperwork was completed, neither the {$14000.00} discount nor the {$10000.00} in equity were reflected in the loan. Instead, I was charged far more than expected, and several optional products and services were added to the loan without clear explanation or my consent. 

Most seriously, the odometer disclosure statement I signed falsely stated the car had XXXX miles, but the actual mileage at delivery was over XXXX miles. This is a violation of federal odometer disclosure laws, even if unintentional, and invalidates the legitimacy of the contract. 

I now have a loan with Santander Consumer USA under false and deceptive terms, and I am requesting a full cancellation of the loan, return of the vehicle, refund of all payments made, and correction of any credit reporting related to this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To : Equifax & CFPB XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Identity Theft Dispute Immediate Deletion and Permanent Suppression of Fraudulent Accounts Dear Equifax, I am contacting you as a documented victim of identity theft resulting from the catastrophic XXXX Equifax data breach, in which my personally identifiable information was unlawfully accessed and later used to fraudulently open accounts in my name. 

As shown in the enclosed FTC Identity Theft Report, these accounts were not opened or authorized by me and are the result of criminal misuse of my personal information. These fraudulent accounts are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and they must be removed immediately.

Legal Demand for Deletion Within 4 Days Pursuant to 15 U.S.C. 1681c-2, you are legally obligated to block and delete information resulting from identity theft within four ( 4 ) business days of receiving proper documentationwhich I have provided herein. This includes : A copy of my FTC Ide
ntity Theft Report, A government-issued ID, and Proof of data breaches 605B Letter Failure to comply will constitute willful noncompliance and expose your agency to civil liability, as affirmed in Cortez v. Trans Union , LLC , 617 F.3d 688 ( 3d Cir. 2010 ).

Do Not Reinsert Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you are strictly prohibited from reinserting any previously deleted information unless you certify its accuracy and notify me in writing within five ( 5 ) business days of reinsertion.

Let this serve as formal notice that I will pursue immediate legal action and file complaints with the CFPB, FTC, and my State Attorney General if any of these fraudulent accounts are ever reinserted into my credit report without full compliance with the law.

Enclosures : FTC Identity Theft Report Government-issued photo ID Proof of data breaches 605B Letter Final Notice Before Legal Action You are hereby put on notice that : These accounts are fraudulent and must be permanently deleted.

Reinsertion of any deleted item will trigger legal enforcement.

You have four ( 4 ) business days from receipt to comply and confirm the deletion in writing.

I strongly recommend your full cooperation to avoid statutory damages, punitive damages, and civil litigation under the FCRA and related consumer protection statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Issue : Reporting a charge-off account without providing the method of investigation What happened : I have disputed a charge-off account being reported by Navy Federal Credit Union XXXX account number XXXX XXXX ) with the credit reporting agencies multiple times. However, I have never received any documentation or explanation showing the method of investigation used to verify the accuracy of the information. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information. Navy Federal has failed to comply with this obligation. Furthermore, the account was not marked as in dispute using the required XB compliance condition code under Metro 2 standards during the investigation process.

What I want : I am requesting that : This charge-off account be immediately removed from my credit report. 

A detailed explanation of the method of investigation used to verify the account be provided. 

All documentation used in verifying the accuracy of the account be disclosed.

The account be properly coded and updated according to Metro 2 guidelines and the FCRA. 

This inaccurate reporting is negatively affecting my credit and must be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
b'XXXX XXXX XXXX \nXXXX XXXX \nXXXX 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 non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
b'XXXX XXXX XXXX \nXXXX XXXX \nXXXX 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 2025-08-02 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 multiple accounts on my credit reports that are inaccurate, misreported, or do not belong to me. I have previously disputed these accounts with the credit reporting agencies, but they have failed to correct or remove the incorrect information in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts contain significant errors : XXXX. [ XXXX  XXXX XXXX ] This account was closed in XX/XX/year>, yet late payments are reported beyond this date, and the status differs across bureaus. It continues to reflect inaccurately on all three credit reports. 
XXXX. [ XXXX XXXX XXXX ] This collection account shows different statuses, dates, and balances across TransUnion, Equifax, and Experian. I have disputed this multiple times and provided evidence, yet it remains uncorrected. 
XXXX. [ XXXX ] I have no knowledge of this account. It appears to be fraudulent or reported in error. 
XXXX. [ XXXX Credit Card ] The reporting of this account varies across bureaus. There are reporting discrepancies in dates and balances. 
XXXX. [ XXXX XXXX XXXX XXXX ] This account shows inconsistent reporting across the bureaus, including different payment statuses and dates of delinquency. 
XXXX. [ XXXX XXXX ] Status is inconsistent with actual account history and closure date. 

These accounts are negatively impacting my credit and financial wellbeing. I request that the CFPB initiate an investigation and ensure that the credit bureaus and data furnishers correct or remove these accounts as required under the FCRA and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I mailed a certified dispute letter to Jefferson Capital after receiving their notice dated XX/XX/year>. My dispute period does not expire until XX/XX/year>, but they reported the collection to my credit report before that date, violating my rights under the FDCPA. I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: LEXISNEXIS
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 
I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I REQUESTED THE XXXX SO I CAN CLEAR UP MY INFORMATION ON MY CREDIT REPORT, AND THE COMPANY REFUSE TO SEND IT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I REQUESTED THE XXXX SO I CAN CLEAR UP MY INFORMATION ON MY CREDIT REPORT, AND THE COMPANY REFUSE TO SEND IT TO 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 2025-08-02 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Dispute of Unauthorized Inquiry EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : EXETER FINANCE XXXX Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear EXETER FINANCE XXXX Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 

- Creditor : EXETER XXXX XXXX - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method , referencing XXXX XXXX  Format and e-OSCAR compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( Experian, Equifax, and TransUnion ) to remove this inquiry. 

Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. 

If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a chime bank account I had {$1900.00} taken from me chime investigator for two days and said that there werent going to replace the money because I have knowledge of it. I wouldnt be writing this if I had knowledge of it chime acts like theyre a bank, but really they just take your money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today i went a deposited money onto my chime card a total of XXXX so that i could pay my phone bill and i came home to have only {$15.00} on my card i called Chime banks to get a refund because they took money from and i did not authorize anything and they declined it so im making this report to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
CFPB Credit Reporting Complaint Consumer : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX SSN ( last XXXX ) : XXXX Reporting Agency : Equifax XXXX XXXX XXXX Date : XX/XX/XXXX Issue Category : Credit Reporting Incorrect Information and Unauthorized Inquiries Complaint Summary : I am filing this complaint to report multiple errors on my Equifax credit report, including inaccurate late payments and several unauthorized hard inquiries that I did not initiate or approve. I have made efforts to resolve these matters directly with Equifax but have not received proper resolution. The information reported is causing significant harm to my credit standing and financial wellbeing. 



Late Payment Disputes : Due to a period of financial hardship and medical challenges, I was unable to make on-time payments for a limited time. I have since resolved these issues and am now financially stable. The following accounts reflect late payment entries that I respectfully request to be removed as a goodwill adjustment : XXXX XXXX Acceptance ( ending in XXXX ) XXXXXXXX XXXX XXXX XXXX  ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( ending in XXXX ) XXXX  XXXX ( XXXX separate accounts affected by the same hardship ) These entries do not reflect my current credit behavior. I am requesting Equifax to either delete or correct these entries based on updated financial standing or provide clear documentation verifying the reporting. 



Fraudulent or Unauthorized Hard Inquiries : My credit file also contains hard inquiries that were either unauthorized, not consented to, or repeated excessively by auto dealerships and lenders without my approval. The following companies have placed such inquiries : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX  multiple repeated pulls ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with many of these entities, and I did not give permission for multiple inquiries to be made on my behalf. These entries violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681b ), which requires permissible purpose and consumer authorization.

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 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dispute of Unauthorized Inquiry CAP ONE NA 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 XXXXXX/XX/XXXX To : CAP ONE NA Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear CAP ONE NA Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 

- Creditor : CAP ONE NA - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method, referencing XXXX XXXX Format and XXXX compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX to remove this inquiry. 

Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. 

If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Dear CFPB, Debt Collector : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief