vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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:
Hey, I am writing to dispute accounts that are reported on my consumer credit report referenced below that are a result of Data Breach or Fraud and any unauthorized inquiries also I demand verifiable proof bearing my signature/electronic signature. I am sending this letter on my behalf, not from a 3rd party, so please read it carefully. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW.

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON.

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS.

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

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 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
The amount that is being reported to my credit profile is very inaccurate. I rented this apartment on XX/XX/year> until XX/XX/year>. I owed them an amount of {$2100.00} determined by the court. In no way this a true representation of the amount I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX continues to report a fraudulent account on my credit reports and has failed to comply with the Fair Credit Reporting Act. I previously disputed this account on XX/XX/year>, and submitted a complete FTC Identity Theft Report, identity documents, and supporting evidence. XXXX XXXX received XXXX dispute notices, including a second notice on XX/XX/year>, yet has taken no action to conduct a lawful reinvestigation as required under 15 U.S.C. 1681s-2 ( b ). They have not provided any verification, documentation, signed contract, or proof that I ever opened or authorized the account ending in 517805. Despite having no lawful basis to continue reporting this information, XXXX XXXX still furnishes it to the credit bureaus, damaging my credit profile and violating 1681i ( a ) ( 1 ), 1681i ( a ) ( 5 ), 1681n, and 1681o XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I am filing this complaint regarding extensive inaccurate, duplicate, obsolete, and unverifiable reporting on my credit reports from Experian, Equifax, and TransUnion, involving 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 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 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 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 XXXX XXXX, and other related accounts spanning XX/XX/XXXX through XX/XX/XXXX, all of which report incorrect balances, late payments, dates of first delinquency accounts, and unauthorized inquiries ; despite my repeated disputes with the bureaus, they have failed to investigate verify, or DELETE the inaccurate and misleading information, resulting in materially harmed credit scores, financial distress, and undue hardship, and these reporting errors violate FCRA 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ) and FDCPA 807809

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 2025-12-05 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: GA

Complaint narrative:
I am filing this complaint regarding extensive inaccurate, duplicate, obsolete, and unverifiable reporting on my credit reports from Experian, Equifax, and TransUnion, involving 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 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 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 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 XXXX XXXX, and other related accounts spanning XX/XX/XXXX through XX/XX/XXXX, all of which report incorrect balances, late payments, dates of first delinquency accounts, and unauthorized inquiries ; despite my repeated disputes with the bureaus, they have failed to investigate verify, or DELETE the inaccurate and misleading information, resulting in materially harmed credit scores, financial distress, and undue hardship, and these reporting errors violate FCRA 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ) and FDCPA 807809

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am submitting this formal escalation regarding actions taken by your institution in connection with a receivership related to my divorce proceedings, dated approximately XX/XX/year>. 
Attached is a signed PDF letter outlining serious legal and regulatory concerns, including : XXXX. Unauthorized release of funds and account control without a valid subpoena. 
XXXX. Illegal halting of trading activity and denial of access to financial services ( de-banking ) at the direction of the receivership. 
XXXX. Potential violations of federal due process, FINRA rules, and Regulation P, including obligations for lawful disclosure, subpoenas, and customer notice.

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Summary : Bank of America incorrectly blocked a legitimate check due to a fraud alert and failed to notify me, causing the check to bounce, creating financial loss, unnecessary stress, and forcing me to pay additional fees to fix the banks mistake. 

Detailed Description of the Problem : On Saturday evening of XX/XX/year>, I issued a check to purchase a car. The check was fully funded, and my Bank of America checking account had more than enough balance to cover it. Despite this, Bank of America returned the check due to a fraud alert. 

I was never notified by Bank of America that the check was flagged. I learned about the issue only when the dealership informed me that the check had bounced on Wednesday evening of XX/XX/year>. This caused me significant embarrassment and forced me to interrupt the purchase process. 

I immediately scheduled an appointment at the Bank of America branch on XX/XX/year>, at XXXX XXXX. After more than XXXX hours of discussion with multiple representatives, the bank admitted that the fraud alert was triggered because the amount was unusual for my history and because it was my first check in a long time. However, they acknowledged that they failed to notify me, which is their internal error. 

They also told me they could not provide any written documentation or an error code explaining the failure, even though this issue caused financial and practical consequences for me. 

Because of the banks mistake, I incurred direct financial damages, including : A {$15.00} fee to obtain a certified check so I could complete the car purchase. 
The dealerships time and scheduling issues. 
Time lost from work to travel to the bank and attempt to resolve the problem. 

I have recordings of my conversations with the bank, in which employees explicitly acknowledge the error and that no notification was provided. 

Bank of America has not offered reimbursement for the costs Incurred nor provided any written explanation of their mistake.

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 2025-12-05 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 writing to dispute inaccurate information on my credit report. Upon reviewing a recent copy of my report, I discovered fraudulent accounts that do not belong to me. These accounts are negatively impacting my credit and my ability to obtain credit. I request that you remove these fraudulent accounts 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I am submitting this complaint regarding a sudden credit limit reduction on my credit card account with Synchrony. My limit was reduced to an amount within {$10.00} of my current balance, despite a perfect payment history and consistent biweekly payments. This reduction created an artificially high credit utilization ratio and negatively impacted my credit profile. 

I contacted the issuer through live chat to request a reinstatement of my previous limit of {$1000.00} or a reasonable correction. I provided my annual net income of {$75000.00} ( household + additional employment ) and requested a soft-pull review for a total limit of {$1300.00}, which is a modest increase to restore my normal usage. 

Despite this, the bank denied the request and stated multiple times that : No manual review or supervisor escalation is available Credit limit decisions are determined automatically by periodic system reviews using credit bureau information Only future system evaluations may adjust my limit The banks reasons do not reflect my actual account performance, and the reduction caused harm by pushing my reported utilization close to 100 %. I am requesting a manual underwriting review to restore my previous limit or otherwise correct the reduction so that my credit report accurately reflects my payment behavior. 

I am providing all documentation of my communications with the issuer, including chat transcripts and the written denial letter, to support this request.

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have recently been informed that there is negative information reported by Synchrony and XXXX XXXX XXXX XXXX in the file you maintain my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing an alleged debt of {$4700.00}. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information : Synchrony and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, provide me with copies of any documentation associated with this account, bearing my signature. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I dud not authorized charge XXXX now in credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: LA

Complaint narrative:
My account was created in XXXX and fully verified by XXXX. I initiated an ach deposit to XXXX  and XXXX  advised me that it would be available in XXXX business days. Today on XX/XX/XXXX the money became Available I received and an email saying that I may transfer or withdraw as I please as the money had cleared. When I attempted to withdraw it said withdra failed. I tried again it said the same thing. XXXX  never emailed me or let me know anything I had to contact them. So I contacted them on my own. They requested a selfie with a picture of my id and a paper with a code. So I took that and sent it to them and it was verified. They then asked what I was doing with the crypto I explained to them this as well. Since then they have ghosted me and even though my account is fully verified and I have given them every thing they asked have no allowed me to withdraw my crypto as promised. This is a blatant scam and must be investigated. 

My name is XXXX XXXX My email with XXXX XXXX is XXXX My phone number with XXXX XXXX is XXXX The ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: OK

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-12-05 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit reports with TransUnion, Experian, and Equifax concerning several accounts, including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, which show incorrect late payment statuses, balances, and account histories. For example, XXXX XXXX is reported with a late payment in XX/XX/XXXX despite my last payment being made on XX/XX/XXXX, and XXXX XXXX XXXX XXXX shows a late payment in XX/XX/XXXX even though my last payment was made on XX/XX/XXXX. Additionally, XXXX XXXX and XXXX XXXX reflect late payments or balances inaccurately documented, while XXXX XXXX XXXX contain incorrect charge-off information, including balance and date of first delinquency. I have attached supporting documentation demonstrating the accurate payment histories and account statuses. Under the Fair Credit Reporting Act ( FCRA 605, 607, 611, and 623 ), the credit reporting agencies are required to maintain accurate information, reinvestigate disputed accounts, and ensure proper reporting of balances, payment histories, and statuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation