vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
Synchrony bank unexpectedly raised my purchasing interest rate to 31.49 % for all purchases after XX/XX/year> on XXXX credit cards, a PayPal credit card and a Venmo credit card, that are both in good standing, without any advance notice, warning or any discernible reasons whatsoever. Less than a month later, they closed both cards, again without notice, warning, explanations or rationale. 

Upon discovery, I immediately called the bank and was told that a letter was sent out about the closures on XX/XX/XXXX ( the day they were closed ) that is still not in my possession today XX/XX/XXXX, and that my concerns would be elevated and reviewed and I would get a letter with the outcome of that review within XXXX  days. 

While I was on the phone I spoke with an account XXXX, who told me that they had flagged my accounts For high risk of failure to pay and I challenged this information because the accounts are both in good standing. I typically have my credit utilization between 10 % and 20 %, have never missed a payment on these or any other anccounts and I typically pay 100 % of the statement balance. They told me that they will not reinstate the cards, offered me the opportunity to reapply and they would send me a letter within XXXX  days. Their actions had an immediate and large negative impact on my credit score. My available credit has been reduced by over 30 % and my score dropped almost XXXX points! This is aggressive and unfair! 

Ive done some research and found that this is happening to thousands and thousands of borrowers who are maintaining their accounts in good standing and are now unfairly harmed as well.

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 2025-07-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZED ON MY CREDIT REPORTS AND IT IS RECENTING ME FROM RECEIVING CREDITS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
Despite numerous attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, the problem persists unaddressed. These unauthorized entries have profoundly impacted my life, causing significant stress and anxiety, and I must emphasize that as a victim of identity theft, I never authorized or consented to having this information associated with my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am reporting an unauthorized transaction that occurred on my Apple Card while my phone was in Apples physical custody at the XXXX XXXX XXXX Apple Store. I did not authorize the charge in question, and Apple/Goldman Sachs denied my dispute without providing a receipt, time stamp, or device authorization details. 

I asked multiple times for a copy of the transaction details and was told nothing beyond the charge was authorized, with no proof or data supporting that determination. This violates my rights under the Fair Credit Billing Act. 

I also provided receipts from that day showing what I purchased using a different card, proving there was no reason to charge my Apple Card. 

I believe the charge was made by an Apple Store employee and the investigation was denied because Apple does not want to acknowledge internal liability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: RI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received my consumer credit report and noticed several inaccuracies and unauthorized account information. Per XXXX XXXX XXXX ( XXXX ) ( c ) ( a ) ( b ) ( XXXX XXXX ) ( d ) XXXX XXXX see XXXX, XXXX XXXX, XXXX XXXX ( b ), XXXX XXXX ( b ), XXXX XXXX XXXX XXXX XXXX XXXX all XXXX are violations of my consumer rights. They continue to update and verify inaccurate information using the XXXX  method, as per Regulation F issued by the CFPB, chain of ownership, and excessive contact, which has hurt my ability to obtain credit. These agencies have unlawfully purchased accounts that have been charged off or closed, provided information without my consent to XXXX agencies, and did not properly verified or provide me with any documentation. They re-aged old accounts to make them appear recent, and I believe that my personal information was compromised due to a data breach that resulted in fraudulent activity. Willful noncompliance under sections XXXX and XXXX of the XXXX, FDCPA occurred. I request that the CFPB compel these agencies to remove and delete any inaccurate information and legal violations from my report at once and send me copies of updated reports with the deletions.

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 2025-07-14 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding disputed late payments that appear on my credit record. Despite sending validation requests to the creditors over XXXX days ago, I have not received any response, and they have failed to provide satisfactory validation of these disputed items as required by law. The presence of these unvalidated late payments on my credit report is negatively impacting my creditworthiness and financial opportunities. I am requesting your assistance in resolving this matter by investigating these disputed entries and taking appropriate action to ensure the accuracy of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-14 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: TX

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS :XX/XX/XXXXAccount Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX  Balance : {$310.00} XXXXXX/XX/XXXX - Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX  Balance : {$240.00}

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 2025-07-14 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: TX

Complaint narrative:
I am formally disputing fraudulent accounts on my consumer report that have been linked to identity theft. I never provided written authorization, including a wet signature, for the inclusion of these accounts on my credit report. These unauthorized entries have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am requesting the immediate blocking and removal of these disputed accounts from my report, as their continued presence violates my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I contacted Fifth Third Bank regarding my account, which I have been locked out of since XXXX. I am able to order a bew card and change my pin over the phone but I do not have online access for some reason. Despite the account still being open confirmed by the fact that their website blocks me from opening a new one because my existing account is still on file I have had XXXX access. I have received no notice, no warning, and no explanation for this restriction. 

I contacted customer service and was transferred to the fraud department. Each time I asked very direct questions Why am I locked out? Is there a fraud alert? Is my account frozen or under investigation? Is it being closed? I was interrupted and told, You need to go to the branch. That was the only response I was given. Not XXXX representative was willing to explain why I, the legal account holder, am being denied access to my own funds. This has now happened repeatedly, including during a direct call with their fraud department. 

This is deeply concerning and feels intentionally deceptive. XXXX locked out of a still-active account without any written explanation, without being told what is being flagged or who placed the restriction, and being continuously redirected with XXXX transparency raises serious red flags. It is beginning to feel like the bank is covering something up, or intentionally stalling to avoid liability for mishandling my account. 

I am demanding immediate investigation and a formal written explanation regarding the status of my account, the reason for the lockout, the department responsible, and whether any internal flags or closures were placed. This is not just poor customer service it is financial misconduct and possibly unlawful denial of access to personal funds. I will escalate this further if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have overdraft protection of {$200.00} on my account. If XXXX overdraft by less then {$10.00}, according to the terms they provided, there is no fee. I overdrafted by {$6.00}. They charged me {$15.00} so now I have to pay them {$21.00}. That's not what they're own terms state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Notice of intent to sue. Refer to California case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not include Milestone in this federal lawsuit because I thought this issue with the false late payment would be resolved. I have tried to have this resolved amicably. I explained to Milestone that I called in and made my payment on time and the rep took the payment from the wrong checking account ; I had XXXX checking accounts saved on file at the time. Also Milestone is reporting conflicting information across the credit bureaus. They are reporting a 30 day late payment with XXXX  and a 60 day late payment with XXXX. See my attachments as evidence. This is another FCRA Violation. Milestone has an obligation to report correct information with 100 % maximum accuracy. Due to the repeated disputes, emotional distress, financial hardship and denial of credit ; especially during the California wildfires when I had to evacuate my apartment and was unable to obtain credit due to the false reporting, I have suffered severely due to this false reporting of Milestone. This is a XXXX business day notice to Milestone,,,, if the late payments ( both XXXX and XXXX day late payments ) are not removed from my credit report by XX/XX/year> Milestone will be added as a defendant to my federal lawsuit. There will be no more disputes after this and a lawsuit will commence on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Good morning, I reached out to Synchrony CareCredit Bank to resolve an on going issue about payment I called and when I call I was getting to different payment details and when I did call in to get information on my promotional payment and was told to pay XXXX and then my next payment and final payment would be XXXX. 
When I called back at the end of the month to do the promotional payment I was told I had to pay {$360.00} which I paid and then I will have to pay XXXX. 
When I called back not even a month later to pay the XXXX my bill was over XXXX. 
I called no one could answer my questions I started to send letters at first I received a response they are looking into my case. I received a letter everything is paid XXXX balance they refund me a check. My account was XXXX balance. Now I am getting a bill I owe XXXX. 
I closed the account and havent used that card I even shredded that card. I uploaded the letters and the bill. 

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 explanation