vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: SC

Complaint narrative:
I am writing to formally notify you of inaccurate credit reporting and negligent handling of my account with this company. On Thursday XX/XX/year>, I submitted my payment via certified mail with overnight delivery and required signature confirmation. According to the carriers records, including an email receipt and signed by initials XXXX. proof of delivery on Friday XX/XX/year> at XXXX, the company received the payment in a timely manner. XXXX XXXX number : XXXX, XXXX XXXX number : XXXX. 

Despite confirmed receipt, my account has not been properly updated to reflect this payment. As a direct result, my XXXX XXXX has dropped significantly, and my credit utilization has been inaccurately reported at an extremely high level. This constitutes both negligent account management and inaccurate reporting to the credit bureaus. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure the maximum possible accuracy of the information you furnish to credit reporting agencies. The company failure to properly credit my account and they continued furnishing of inaccurate information is a clear violation of this duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a bankruptcy entry listed on my credit report. This bankruptcy is inaccurately reported and unverifiable, and I am requesting an immediate investigation and removal from my file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( 4 ), which affirms the right of consumers to privacy and accurate, fair credit reporting. 

Upon reviewing my credit file, I noticed the following entry : Creditor/Filer : U.S. Bankruptcy CourtXXXX XXXX XXXX XXXX XX/XX/XXXX Case Number : XXXX Creditor/Filer : U.S. Bankruptcy CourtXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX I dispute the accuracy and validity of this bankruptcy information. I request that you : XXXX. Conduct a reinvestigation of this item with the original furnisher or reporting entity. 
XXXX. Provide written verification and documentation that supports the accuracy of this bankruptcy. 
XXXX. If verification can not be provided within 30 days as required under 15 U.S.C. 1681i, I demand the immediate removal of this entry from my credit report. 

Please also note that public records such as bankruptcies are often gathered by third-party data furnishers without the consumers consent or authorization. If you can not directly verify the details from the original source ( e.g., the courthouse itself ), this item must be deleted. 

Thank you for your prompt attention to this matter. Please send me a written confirmation of your findings and the results of your reinvestigation.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a bankruptcy entry listed on my credit report. This bankruptcy is inaccurately reported and unverifiable, and I am requesting an immediate investigation and removal from my file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( 4 ), which affirms the right of consumers to privacy and accurate, fair credit reporting. 

Upon reviewing my credit file, I noticed the following entry : Creditor/Filer : U.S. Bankruptcy CourtXXXX XXXX XXXX XXXX XX/XX/XXXX Case Number : XXXX Creditor/Filer : U.S. Bankruptcy CourtXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX I dispute the accuracy and validity of this bankruptcy information. I request that you : XXXX. Conduct a reinvestigation of this item with the original furnisher or reporting entity. 
XXXX. Provide written verification and documentation that supports the accuracy of this bankruptcy. 
XXXX. If verification can not be provided within 30 days as required under 15 U.S.C. 1681i, I demand the immediate removal of this entry from my credit report. 

Please also note that public records such as bankruptcies are often gathered by third-party data furnishers without the consumers consent or authorization. If you can not directly verify the details from the original source ( e.g., the courthouse itself ), this item must be deleted. 

Thank you for your prompt attention to this matter. Please send me a written confirmation of your findings and the results of your reinvestigation.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened my Truist bank account in XXXX of XXXX. I opened the account based off the bonus for opening the account that was advertised all around the internet, I received multiple deposits on to this account hoping to receive the {$400.00} for sticking around. When it came time to pay the bonus the bank is now saying my account isnt eligible for the bonuses and that theres no way I made an account through the bonus link.

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 2025-09-23 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-23 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-23 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: LA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: WI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On the XXXX  business day, I called again to check the status. I was transferred between several agents for almost an hour, each providing different and inconsistent answers. I then requested to speak with a supervisor. The supervisor informed me that MoneyGram had attempted to collect the funds from my bank account twice but was unsuccessful. 

Upon contacting my bank, I confirmed that the funds had in fact been withdrawn on XX/XX/2025. I called MoneyGram again and spoke with another supervisor, requesting that they process the transaction since they already had possession of my funds. However, I was informed that this was not possible, and the only option available was to return the funds within XXXX business days. 

This situation has caused significant inconvenience and raises concerns about how my transaction was handled, especially since the funds were withdrawn from my account but not delivered to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Subject : Second Complaint Against Citi Bank for Withholding {$320.00} Account Opening Bonus Dear CFPB, This is my second formal complaint against Citi Bank regarding their failure to issue a {$320.00} account opening bonus that was clearly promised as part of their promotion. 

I opened my account with Citi Bank on XX/XX/2025, assisted by banker XXXX, XXXX. It has now been more than XXXX months since account opening, and despite fulfilling all requirements, I still have not received the bonus. 

Citi Banks handling of this matter has been unprofessional and unacceptable, for the following reasons : Citi Bank initially claimed I did not submit the required XXXX form, which is false. I mailed a properly completed XXXX form immediately after being informed that it was required. 

Later, they claimed my address was incorrect which is not true. I confirmed that the address I submitted is accurate and fully compliant. 

Despite more than XXXX months having passed, I have received no clear explanation, no rejection notice, and no resolution. 

I spent time, effort, and postage to comply with their requirements, yet they continue to ask me to mail the form again without providing any valid justification. 

Since my first complaint, I have even resubmitted my XXXX form with the correct information and updated address, yet Citi Bank has still failed to issue the bonus. 

Additional issues include : When I contacted customer service via chat and phone, the representatives could not provide any effective solution. 

The banker who opened my account, XXXX, XXXX, refuses to respond to my emails and phone calls. 

I have already mailed the XXXX XXXXorm three separate times at my own expense, yet Citi Bank has not even confirmed whether they received my documents. 

This is now my second complaint to the CFPB because Citi Bank continues to ignore its obligations and has not taken any meaningful steps to resolve this matter. I respectfully request CFPBs assistance in holding Citi Bank accountable and ensuring that they fulfill their promotional obligation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a copy of my drivers license and a letter to Experian, Trans Union and Equifax about XXXX years ago asking for old information be removed that is no longer pertinent also the to be aware of the false names phone numbers and addresses and out of date debt information. At that time I attempted to obtain my free annual credit report and did not get any report from Equifax. I recently tried to obtain a new credit report and the information that I requested to be removed id still in my file plus again I did not get any report from Equifax again. I would like an explanation of why I never get the third report and why these agencies seem to be red dotting individuals like myself.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a copy of my drivers license and a letter to Experian, Trans Union and Equifax about XXXX years ago asking for old information be removed that is no longer pertinent also the to be aware of the false names phone numbers and addresses and out of date debt information. At that time I attempted to obtain my free annual credit report and did not get any report from Equifax. I recently tried to obtain a new credit report and the information that I requested to be removed id still in my file plus again I did not get any report from Equifax again. I would like an explanation of why I never get the third report and why these agencies seem to be red dotting individuals like myself.

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 2025-09-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation