vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting to formally request the removal of all dispute notations associated with the following accounts on my credit report and for their status to be updated accordingly. These dispute remarks are no longer valid, as I am no longer contesting the accuracy or validity of these accounts. 
XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} These accounts were previously marked as being in dispute or containing dispute-related comments such as consumer disputes this account. I am no longer disputing these accounts and would like all dispute remarks, codes, or notations fully removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Unfair Account Closure / Credit Limit Reduction by Synchrony Bank ( XXXX ) To the Consumer Financial Protection Bureau, I am filing this complaint regarding Synchrony Bank, which manages the credit account for XXXX XXXX. 

I have been a longtime customer in good standing with Synchrony Bank. I have never made a late payment and a few months ago I paid off my balance in full. Despite this perfect payment history, Synchrony closed my account almost immediately after payoff, without prior warning or justification. 

Synchrony closed the account entirelywithout any warning, delinquency, or negative activity on my part. This retaliatory closure immediately reduced my available credit and negatively impacted my credit utilization ratio and score. 

This practice feels punitive toward consumers who pay their debts responsibly. I ask that the CFPB review this matter and hold Synchrony accountable for unfair credit reporting actions that harm consumers credit scores through no fault of their own. This appears to be a predatory algorithm disguised as risk management, penalizing responsible cardholders without cause or transparency.

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 2025-11-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
CFPB Re-Submission / XXXX XXXX XXXX XXXX XXXX XXXX Not a duplicate new evidence and grounds for enforcement review. 
I am filing this as a separate and distinct complaint because XXXX XXXX XXXX XXXX failed to comply with multiple FCRA and FDCPA requirements and the previous response did not address those violations. 
The company never provided any legally sufficient documentation proving the debts validity. Their prior response included only generic billing statements and unsigned cardholder agreements, none of which establish ownership, liability, or legal standing to report this tradeline. 
This filing includes new material information : the furnisher has since admitted that the accounts were sold to another entity, meaning XXXX / XXXX XXXX no longer possesses ownership rights or lawful authority to continue furnishing or updating these accounts. 
Reporting activity or balances on an account that has been sold or charged off is factually inaccurate and constitutes willful violation of : FCRA XXXX ( b ) failure to assure maximum possible accuracy FCRA XXXX ( a ) failure to conduct a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) ( A ) furnishing information known to be inaccurate FCRA XXXX ( a ) ( XXXX ) failure to correct and update information after notice of dispute Because this complaint is based on new factual evidence and continuing harm, it must not be treated as a duplicate. The furnishers prior response failed to meet any legal validation standards under FCRA or FDCPA.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX 2025, my business and personal accounts with TD Bank were flagged for closure due to questions surrounding several money order deposits. I immediately cooperated, provided full documentation, and TD Bank conducted a review. The closure was overturned in XX/XX/year>, confirming that the funds were legitimate and the matter resolved. 

Now, approximately XXXX months later, TD Bank has again marked my account for closure apparently for the same issue already reviewed and cleared. When I contacted customer service, I was told the case had been reviewed twice and that the decision was final and could not be appealed. 

This indicates a procedural or data error within TDs compliance system that duplicated a prior case rather than identifying a new issue. The decision was made without new evidence, and without providing me an opportunity to submit documentation or clarification. 

This action has directly impacted my small business, disrupting payroll, vendor payments, and access to client funds. I believe this closure is unwarranted and based on outdated or incorrect internal information rather than any actual misconduct or risk. 

I am requesting the XXXX  assistance in ensuring that TD Bank performs an independent secondary review and provides a written explanation for its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Got scammed on cashapp for {$150.00} show access tickets that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
Im extremely frustrated because inaccurate late payments are still appearing on my credit report today, and I honestly cant understand why. These inaccurate late payments were not deleted even after I refreshed my browser. Im urgently asking that the documents I sent be carefully reviewed so this problem can finally be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want this file removed from my Equifax file as it should be removed since XX/XX/scrub> 2025 and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Complaint : XXXX  XXXX Willful Misreporting and Incomplete Validation ( FCRA & FDCPA Violations ) Summary of Complaint : XXXX XXXX has failed to provide lawful validation or ownership evidence for the alleged account ending in XXXX, opened XX/XX/XXXX. 
Their response to my prior dispute merely repeats account details and claims the account was opened online but explicitly admits no signed application exists. 
They furnished only a narrative statement and billing reference not a legally verifiable contract or instrument bearing my signature or electronic authorization. 

Furthermore, XXXX XXXX admits they sold or assigned the account to XXXX XXXX XXXX  on XX/XX/XXXX, yet continues to report and update this tradeline as an active charged-off account. 
That constitutes willful and negligent misreporting under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 



Violations and Grounds for Enforcement FCRA XXXX ( b ) Failure to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be inaccurate. 
FCRA XXXX ( a ) ( XXXX ) Failure to update or correct after notice of inaccuracy. 
FDCPA XXXX ( XXXX ) False credit reporting after transfer of debt. 
FCRA XXXX Willful and negligent non-compliance subject to damages. 



Material Facts XXXX. XXXX XXXX confirmed the account was opened online but provided no contract, consent log, or IP authorization only a billing summary. 
XXXX. They admit they placed the account with XXXX XXXX XXXX  thus XXXX XXXX is no longer the lawful data furnisher. 
XXXX. Continuing to report a balance or charge-off after transfer violates the FCRAs accuracy requirement. 
XXXX. Their reinvestigation failed to produce evidence proving ownership, liability, or chain of custody.

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 2025-11-07 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: FL

Complaint narrative:
Complaint : Capital XXXX Willful Misreporting and Incomplete Validation ( FCRA & FDCPA Violations ) Summary of Complaint : XXXX XXXX has failed to provide lawful validation or ownership evidence for the alleged account ending in XXXX, opened XX/XX/XXXX. 
Their response to my prior dispute merely repeats account details and claims the account was opened online but explicitly admits no signed application exists. 
They furnished only a narrative statement and billing reference not a legally verifiable contract or instrument bearing my signature or electronic authorization. 

Furthermore, XXXX XXXX admits they sold or assigned the account to XXXX XXXX Solutions on XX/XX/XXXX, yet continues to report and update this tradeline as an active charged-off account. 
That constitutes willful and negligent misreporting under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 



Violations and Grounds for Enforcement FCRA XXXX ( b ) Failure to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be inaccurate. 
FCRA XXXX ( a ) ( XXXX ) Failure to update or correct after notice of inaccuracy. 
FDCPA XXXX ( XXXX ) False credit reporting after transfer of debt. 
FCRA XXXX Willful and negligent non-compliance subject to damages. 



Material Facts XXXX. XXXX XXXX confirmed the account was opened online but provided no contract, consent log, or IP authorization only a billing summary. 
XXXX. They admit they placed the account with XXXX XXXX Solutions thus XXXX XXXX is no longer the lawful data furnisher. 
XXXX. Continuing to report a balance or charge-off after transfer violates the FCRAs accuracy requirement. 
XXXX. Their reinvestigation failed to produce evidence proving ownership, liability, or chain of custody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against PERSONIFY a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXX15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. XXXX15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

PERSONIFY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am very frustrated to see that inaccurate late payments are still showing up on my credit report today. Even after checking and refreshing, they have not been taken off. Please review the documents I provided immediately so that this stressful matter can finally be settled once and for all.

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 2025-11-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONS BANK I PAID IN FULL BEFORE ITS MATURITY DATE, THE MENTIONED LOAN. I MADE SEVERAL REQUIREMENTS FOR THEM TO SEND ME THE SATISFACTORY PAYMENT OF THE LOAN, WHICH IS GUARANTEED BY A COMMERCIAL PROPERTY, AND TO DATE I HAVE NOT RECEIVED THE REQUESTED DOCUMENT.

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 2025-11-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to XXXX XXXX dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since AMERICAN EXPRESS did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure AMERICAN EXPRESSs immediate compliance with FCRA requirements. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text that stated " Your Chase deposit account needs attention ''. That was it, no details on what was going on or even which account, I almost disregarded it as a scam. I decided to check my accounts just in case and was horrified to find that my business account had been completely emptied down to the last XXXX- and then overdrawn by over {$300.00}. Chase was AWARE of this starting on XX/XX/XXXX, when my account reached XXXX and the scammer kept charging. Instead of emailing, texting, calling, contacting me in any way, Chase decided the best way to alert me was to send a typed letter via the POST that did not reach me until over TEN DAYS LATER. In all they sent me FIVE snail mail letters between XX/XX/XXXX and XX/XX/XXXX ( all dated as proof that they knew ) stating that my funds were gone but someone was still charging- and they would " cover the charges '' - which I was then expected to pay back. In those three days they also charged me three overdraft fees totaling over {$100.00}, as well as a fee for not having the minimum amount in my account. The text on XX/XX/XXXX was the FIRST alert I received. I immediately called. Since then they have a ) refused to reimburse the overdraft fees b ) refused to reimburse the account fee for not having the minimum amount c ) have stated that since this same scammer also stole from me in XXXX of XXXX that they would " maybe '' reimburse that paltry amount ( around {$100.00} ) but because these new charges totaling around {$1500.00} from just the last two weeks were " more than thirty days from the original charge in XX/XX/XXXX '' that they would NOT be reimbursing me for the recent ones. They have taunted that " I should have known this '', three separate people have tried to explain this policy to me and I still don't get it, so if it was indeed in the fine print when I opened this account four years ago, there is XXXX way I would have understood what it meant. Despite that - Chase 's lapse in properly alerting me in a timely manner that my account was overdrawn wound up costing me a tremendous amount of money, I could have cut the scammer off 12 days earlier, and I KNOW my alerts were set up because of the Chase text that finally was sent on XX/XX/XXXX. This is the SECOND Chase card that has been hacked in the last year and SECOND time they have REFUSED to reimburse me. I now have two open cases with them pleading to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I have repeatedly contacted XXXX since XX/XX/year> via email and phone regarding my account not being updated. This incorrect information has caused me to not be able to close escrow on my future home due to incorrect debt. This is costing me a daily per diem amount. XXXX has been completely non responsive.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly contacted XXXX since XX/XX/2025 via email and phone regarding my account not being updated. This incorrect information has caused me to not be able to close escrow on my future home due to incorrect debt. This is costing me a daily per diem amount. XXXX has been completely non responsive.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly contacted XXXX since XX/XX/year> via email and phone regarding my account not being updated. This incorrect information has caused me to not be able to close escrow on my future home due to incorrect debt. This is costing me a daily per diem amount. XXXX has been completely non responsive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I tried opening this account online, I got an error but the account was still opened. Phone support told me they were having issues closing the account, and I'd get a call back. Let this serve as a formal letter that you need to close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 very upset to see that these inaccurate accounts are still appearing on my credit report even after all my efforts. They were not removed, and it has caused me so much frustration. I am begging that the documents I attached be checked carefully so I can finally stop stressing over this issue.

Company response to consumer: Closed with non-monetary relief