vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
SUBJECT : FORMAL DEMAND FOR INVESTIGATION CREDIT REPORTING ABUSE, SYSTEMIC NEGLIGENCE & ALGORITHMIC MANIPULATION To Whom It May Concern, This is to formally escalate my ongoing complaint ( CFPB Case # XXXX ) against Equifax and the broader credit reporting system, whose algorithmic manipulation and refusal to acknowledge timely payments has now caused irreparable damage to my financial situation and emotional well-being. 

On XX/XX/XXXX, my credit score with Equifax dropped XXXX points, despite the fact that my XXXX loan payoff was reported and reflected that very day. This score drop occurred not due to new debt, but paradoxically after a positive financial event the complete repayment of my loan. This is nothing short of algorithmic fraud. 

I am a U.S. citizen, XXXX XXXX XXXX, out of work in XXXX weeks, relying on fair financial access to secure a future for myself and my family. My balances with XXXX XXXX, XXXX, XXXX, and other cards have been paid off or are nearing {$0.00}, with responsible usage and zero delinquencies. Yet, credit reporting agencies continue to punish responsible financial behavior and delay positive updates, while negative or score-dropping changes take effect instantly. 

This system is : Unbalanced Deceptive by design And criminally negligent The current model allows : Scoring penalties for inquiries and payoffs Suppression or delayed posting of favorable data No human oversight No immediate dispute resolution No accountability for false algorithmic deductions I am not the only XXXX. Millions of Americans are being held hostage by an opaque, abusive credit system controlled by Equifax, Experian, TransUnion, and data brokers like XXXX XXXX  and XXXX XXXX. These agencies act with XXXX transparency, no recourse, and no logic, protected by outdated regulations and emboldened by their monopoly over the lives of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I logged onto my turbo tax account and a new account in the sum of XXXX connected to a citi bank credit account appeared on my information. it was opened it XX/XX/XXXX and payments have been made on time since then, but this is the first time it has been brought to my attention. i have tried contacting citi bank unsuccessfully various times but without my social ( which isnt linked to the card ) or card number, can not get through. I sent an email and have filed XXXX disputes with equifax, both which have provided me no information and just closed without any information. this is not my account, i didnt open it, didnt authorize it, didnt make payments on it. I had no knowledge of it and want it off my account and to be investigated as someone has access to my information and could be identity theft as well as fraud. 

I received feedback from CITI that my name was taken off the account " Our records show that on XX/XX/XXXX, your name was removed from the account. Citi will notify the consumer reporting agencies that you have been removed from the account. '' I never received any information about who this account belongs to or how my name was attached to it in any way, as I never agreed to this or signed any documents. I would like more information regarding how my name was connected to a CITI bank I have nothing to do with, why it just now showed up on my credit report, and an apology and ownership as this has caused me great distress and affected my ability to obtain certain benefits from my good standing credit. WHO does this account belong to? WHY was my name connected to it? How is that legal if I never signed anything? Thank 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 2025-07-05 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: MO

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 non-monetary relief
Consumer complaint received 2025-07-05 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a rebuttal to the response issued by Equifax on XX/XX/XXXX regarding my complaint ( submitted XX/XX/XXXX ) concerning inaccurate and unverifiable information reported on my credit file. A Report From " Equifax '' Via XXXX Equifaxs claim that it can not locate a credit file is both misleading and factually inconsistent with its own reporting activity. The very basis of my complaint references tradelines and derogatory items reported by Equifax under my personal identifiersincluding but not limited to a XXXX XXXX XXXX  account with erroneous data and charge-off status. 

Key Issues with Equifax 's Response : Contradiction : If Equifax is actively reporting accounts under my profile, then a file does exist. 
To claim no file exists while continuing to furnish derogatory information on my credit report is a direct contradiction and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including 602, 607, and 611.

Failure to Investigate or Provide Verificatio
n : Equifax did not conduct a proper reinvestigation as required by 15 U.S.C. 1681i.

No validation was offered for any of the accounts disputed.

No explanation was provided regarding the impossible XXXX delinquency history on an account opened in XXXX. 
Neglecting Reasonable Procedures for Accuracy : Equifax has failed to follow reasonable procedures to ensure maximum possible accuracy under FCRA 607 ( b ). 
My credit file contains : Inconsistent or incorrect personal information Potentially fraudulent account data Discrepancies that remain uncorrected despite formal dispute Consumer Harm : The presence of this false data continues to harm my ability to access credit, housing, and other financial services. 
Equifax 's failure to properly investigate or delete unverifiable items is a direct contributor to that harm. 
Action Requested : I demand the following actions be taken immediately : A full reinvestigation of all disputed accounts. 
the immediate Removal of unverifiable and inaccurate data, including but not limited to the XXXX XXXX XXXX  account. 
A formal, written explanation to my current address that addresses the contradiction in your no credit file claim while reporting negative accounts under my name. 

a PDF will be attached From the reporting date of XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
My account was suddenly suspended/closed permanently without me even knowing and when I call customer service I get grumpy people who are unable to give me a reason for closing my account. I have funds in my account but I can't access any of it and nobody seems to know why my account closed. I need my money back immediately and I need someone to respond to and answer my questions who has the answers why my account closed and if I'll be able to get my money back and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
My name is XXXX XXXX and I am filing this dispute on my own behalf. I am writing to formally dispute inaccurate and unlawful information being reported on my credit file in violation of the FCRA, 15 U.S.C. 1681. My credit report currently shows late payments for the student loan accounts serviced by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As well as XXXX XXXX. 
Reporting any late payments during this time is inaccurate and misleading. Per FCRA 623 ( a ) ( 1 ) ( A ), a date furnisher may not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, FCRA 607 ( b ) requires that all consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. This unlawful reporting has hindered my ability to secure school housing by damaging my credit standing. I am demanding immediate correction of this inaccurate information, a full reinvestigation in accordance with the FCRA, and written confirmation once this information has been corrected. If this issue is not resolved within 30 days mandated by law, I will exercise my rights to file a formal complaint with the CFPB and FTC by pursing legal action for damages and willful negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
EQUIFAX Description of What Happened : I am filing this complaint because EQUIFAX has repeatedly failed to accurately update a specific debt on my credit report following a XXXX XXXX bankruptcy  discharge. 

The account in question is with XXXX XXXX XXXX XXXX. 

This debt, which had an amount past due of {$26000.00}, was included in and legally discharged through my XXXX  XXXX bankruptcy. The official Order of Discharge was granted on XX/XX/year>. 

Following the bankruptcy  discharge, I have taken action to ensure my credit report accurately reflects this legal discharge. I initiated disputes with Equifax on multiple occasions regarding this account. My most recent dispute concerning this XXXX XXXX XXXX XXXX account concluded on XX/XX/year>. In each instance, Equifax 's investigation has not resulted in the necessary correction. Instead of showing " Discharged in Bankruptcy '' with a XXXX balance owed, Equifax continues to report this account as " Charged Off. '' A " Charged Off '' status incorrectly implies an outstanding, unpaid debt and an ongoing liability for the original amount past due. This contradicts the legal effect of a XXXX  XXXX bankruptcy discharge, which extinguishes personal liability for the debt. Despite consistently providing Equifax with copies of my official bankruptcy discharge order, their investigations have not resulted in the necessary correction. 

It is critical to note that other major credit bureaus have already accurately updated this specific XXXX XXXX XXXX XXXX account on my credit reports. Both TransUnion and Experian correctly reflect this debt as " Discharged in Bankruptcy. '' This discrepancy highlights Equifax 's failure to maintain accurate reporting for this particular account, while other accounts on my report have been updated correctly by them or other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OZK
State: AR

Complaint narrative:
An account holder at BANK OZK in XXXX XXXX, AR by the name of XXXX XXXX has deposited a check from a book of checks from XXXX XXXX that were stolen from my vehicle on XX/XX/2025 then on XX/XX/XXXX he deposited a check in the amout of {$620.00}. The checks were from an account that is no longer active and have been forged and fraudulently deposited into his.account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
INACCURATE INFORMATION FALSE INFORMATION BEING REPORTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I reviewed my credit report on [ insert date ] and found inaccurate and unauthorized information, including [ unauthorized hard inquiries, accounts, or collections ] that I did not initiate, approve, or recognize. I never gave written or verbal permission for these accounts/inquiries, which raises serious concerns about potential identity theft or data misuse. 

I contacted the company on [ insert date you contacted them ] and formally requested proof of permissible purpose, including a signed application, consent form, or any documentation proving I initiated the request, as required by the Fair Credit Reporting Act ( FCRA ). The company failed to provide the requested evidence or ignored my dispute altogether. 

According to FCRA Section 604 ( a ) ( 3 ), companies must have a valid and verifiable purpose to access or report on a consumers credit file. If they can not provide written authorization, the account or inquiry must be removed. I also submitted an FTC Identity Theft Report to support my claim. 

I am requesting that the CFPB enforce my rights under the FCRA and direct the company to permanently delete these inaccurate or unverifiable items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered that my information was illegally exposed in the Equifax data breach upon discovering this I noticed several fraudulent accounts on my credit report that was the result of this breach ; XXXX XXXX XXXXXXXX XXXX {$1000.00}, XXXX XXXX {$580.00}, XXXX {$31000.00}, XXXX XXXX XXXX {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-05 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: IL

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 2025-07-05 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: IL

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 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, I am filing a complaint against Synchrony Bank regarding interest charges on my XXXXXXXX XXXX XXXX  account due to an autopay system error. 

In XXXX, I had set my account to autopay the full statement balance, which worked correctly for several months. However, starting XX/XX/XXXX, interest began accruing monthly despite no changes on my end and without any notification from the bank. 

I only became aware of the accumulating interest when I received a billing alert in XX/XX/XXXX. I promptly contacted Synchrony Bank at that time and sent a formal refund request by email on XX/XX/XXXX. I did not receive a response, and while I initially decided to wait for their reply, I am now proceeding with this complaint. 

The total interest charged from XX/XX/XXXX to XX/XX/XXXX amounts to {$110.00}. Given that : - My autopay was set correctly, - No interest was charged for the first four months, - No notification of any changes was provided, and- I have a consistent history of responsible account management, I believe this issue was due to a system error and not due to negligence on my part, and I am seeking the CFPBs assistance in resolving this matter with Synchrony Bank. 

Thank you for your attention. 

XXXX XXXX XXXX Statement : - XXXX : I set up my XXXXXXXX XXXX XXXX  ( Synchrony Bank ) to autopay the full statement balance each month to avoid interest charges. 
- XXXX XXXX : Payments posted correctly, and no interest was charged. 
- XX/XX/XXXX : Interest began accruing monthly despite no changes to my autopay settings and no notification from Synchrony. 
- XXXX XXXX XXXX : Interest charges continued each month, totaling {$110.00}. 
- XX/XX/XXXX : I received a billing alert showing an unexpected balance, which is when I became aware of the issue. 
- XX/XX/XXXX : I spoke to an agent and they only reverse the last month ( XX/XX/XXXX ). I also emailed Synchrony requesting a refund of the interest charges due to what appeared to be an autopay system error. 
- XXXX XXXX : I received no response from Synchrony. I initially waited for their reply but am now filing this complaint.

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