vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Synchrony Bank for engaging in a pattern of behavior that is both harmful to my credit profile and, in my view, fundamentally unfair. 
Over the past several months, I have had multiple credit accountseach issued through different retailersonly to discover they are all underwritten by Synchrony Bank. Despite maintaining a perfect payment history and using my credit responsibly, Synchrony has repeatedly reduced my credit limits without warning. 
Each time Ive contacted them, Ive been told the reduction was due to a drop in my credit score. However, these reductions themselves are the primary cause of the score drop, as they drastically increase my credit utilization ratio. This creates a self-fulfilling cycle : Synchrony lowers my limit, my score drops, and then they cite that drop to justify further reductions. 
This practice feels predatory and algorithmically abusive. It punishes responsible consumers and undermines the very creditworthiness it claims to measure. I am requesting that the CFPB investigate Synchrony Banks policies around credit limit reductions and their impact on consumer credit scores. 
I am also requesting that Synchrony restore my original credit limits or provide a clear, human-reviewed explanation for each reduction, including the specific data used to justify them. 
Thank you for your attention to this matter.

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 2025-10-27 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
2. Repossession Dispute Letter Laws Used : 15 U.S. Code 1681 ( FCRA ) 15 U.S. Code 1666 & 1666 ( b ) 12 CFR 1026.13 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XXXX, XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Repossession Reporting Re : Chase Auto Account No. 



Dear Credit Bureau Representative, This letter serves as a formal dispute regarding a repossession account reported by [ Auto Lender Name ] that appears on my credit file. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), you are required to ensure that all information reported is accurate, complete, and verifiable. I have reviewed the details of this account and found discrepancies that indicate the repossession reporting may be inaccurate or incomplete. 

Furthermore, under 15 U.S. Code 1666 and 1666 ( b ) and 12 CFR 1026.13, creditors must properly investigate and verify all aspects of account reporting, including repossession balances, dates, and deficiency amounts. If the furnisher of this information can not verify the accuracy of the repossession, this account must be deleted from my file immediately. 

Please reinvestigate this matter and provide written verification of the information being reported. If the reporting party can not verify the repossession with complete and accurate documentation, I request the removal of this account from my credit report. 

Please complete this reinvestigation and respond within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-27 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IA

Complaint narrative:
Complaint : Inaccurate Credit Reporting and FCRA Violations I am filing a complaint against the nationwide consumer reporting agencies ( TransUnion, Experian, Equifax ) for failing to maintain reasonable procedures to assure maximum possible accuracy of my credit information, as required by the Fair Credit Reporting Act ( FCRA ). 
The Problem : My credit reports from all three bureaus are riddled with material inaccuracies and inconsistencies on multiple accounts, including XXXX ( auto loan ), XXXX XXXX XXXX and several collections ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Key details like account balances, payment status, and dates differ from XXXX bureau to the next, proving the data has not been properly verified. 
Examples of Inconsistencies : XXXX XXXXXXXX auto loan is reported as a " Charge-off '' with two bureaus and a " Repossession '' with another. The amount owed differs by over {$2500.00}. 
The XXXX XXXX account shows three different " High Balance '' amounts : {$270.00}, {$0.00}, and {$200.00}. 
Collection accounts are reported as " Open '' with one bureau and " Closed '' with others. 
Attempts to Resolve : I have disputed these errors directly with the credit bureaus as required by law. 
Desired Resolution : I want the credit bureaus to conduct a proper, legally-mandated reinvestigation of these items, delete all information that can not be verified, and correct all inaccuracies. Their failure to maintain accurate data is harming my credit score and my ability to obtain credit

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 2025-10-27 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: IA

Complaint narrative:
Complaint : Inaccurate Credit Reporting and FCRA Violations I am filing a complaint against the nationwide consumer reporting agencies ( TransUnion, Experian, Equifax ) for failing to maintain reasonable procedures to assure maximum possible accuracy of my credit information, as required by the Fair Credit Reporting Act ( FCRA ). 
The Problem : My credit reports from all three bureaus are riddled with material inaccuracies and inconsistencies on multiple accounts, including XXXX ( auto loan ), XXXX XXXX XXXX and several collections ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Key details like account balances, payment status, and dates differ from XXXX bureau to the next, proving the data has not been properly verified. 
Examples of Inconsistencies : XXXX XXXXXXXX auto loan is reported as a " Charge-off '' with two bureaus and a " Repossession '' with another. The amount owed differs by over {$2500.00}. 
The XXXX XXXX account shows three different " High Balance '' amounts : {$270.00}, {$0.00}, and {$200.00}. 
Collection accounts are reported as " Open '' with one bureau and " Closed '' with others. 
Attempts to Resolve : I have disputed these errors directly with the credit bureaus as required by law. 
Desired Resolution : I want the credit bureaus to conduct a proper, legally-mandated reinvestigation of these items, delete all information that can not be verified, and correct all inaccuracies. Their failure to maintain accurate data is harming my credit score and my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NH

Complaint narrative:
On XX/XX/XXXX, I got my {$970.00} XXXX XXXX XXXXy benefits on my XXXX XXXX card. I went to the ATM and withdrew {$900.00} early in the morning. When I went to try and access the remaining {$76.00}. They illegally inactivated my card making it useless. I called the company XXXX times trying to contact XXXX the consumer advocate and they have yet to respond to my complaints, me and my future husband called. No response. I'm frustrated they illegally shut down my card and didn't tell me about it or asked me if I wanted my card shut down at all. I'm severely XXXX. I hate XXXX XXXX. Because of this incident, me and my future husband will be looking into alternatives. I'm furious!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NM

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the requirement of maximum possible accuracy under the FCRA. These errors are having a serious and ongoing negative impact on my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and fraudulent accounts are still being reported without being validated properly! I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and fraudulent accounts are still being reported without being validated properly! I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I financed a XXXX XXXX XXXX through Bridgecrest XXXX after purchasing it from XXXX XXXX XXXX dealership on XX/XX/XXXX. 
Within a few months, the vehicle became unsafe to drive it will not go over XXXX mph and shows major powertrain failure codes ( XXXX, XXXX, XXXX, XXXX ). 

Under XXXX XXXX XXXX XXXX XXXX ( administered through XXXX ), these defects should be covered. 
However : XXXX XXXX XXXX stated XXXX would not pay for repairs and XXXX would cover only the first hour of diagnostic testing. 
When I contacted Bridgecrest, I was told they have no control over XXXX and can not compel XXXX to repair, swap, or cancel the vehicle/loan, and that my only option is to surrender the vehicle. 

This effectively leaves me with an undrivable car, an active loan, and no way to resolve the problem while still being required to make monthly payments. 

Bridgecrests refusal to pause or adjust the loan, or to assist in enforcing the warranty obligations tied to its own affiliate ( XXXX ), is unfair and deceptive under consumer-finance laws. 
It may violate the Dodd-Frank Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ) and the Fair Credit Reporting Act if negative reporting occurs after surrender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
I carefully reviewed my credit reports and discovered several inaccuracies that do not reflect my actual financial history. I have always prioritized fulfilling my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and, in several cases, unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> The applicable statutes supporting my dispute include FCRA 605 ( a ) ( 15 U.S.C . 1681c ), which limits the duration that negative information may remain on my credit report ; FCRA 611 ( 15 U.S.C. 1681i ), which provides my right to dispute inaccurate information and mandates a reasonable reinvestigation ; FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ), which obligate furnishers to investigate and promptly correct any disputed information ; FDCPA 809 ( 15 U.S.C. 1692g ), which grants me the right to request debt validation from the original creditor ; and FCRA 604 ( 15 U.S.C. 1681b ), which ensures that all inquiries on my credit report are made for a permissible purpose.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like someone to look into removing the XXXX XXXX XXXX and XXXX XXXX off of my credit report which I dispute several times XXXX XXXX XXXX XXXX debt omits XXXXXXXX XXXX and XXXX XXXX is XXXX Ive reached out multiple times to different beruos and still havent had any help I would like to dispute with all credit beures

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 2025-10-27 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: CA

Complaint narrative:
I am submitting this formally dispute several inaccurate and potentially obsolete items appearing on my credit report. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ). These accounts and inquiries are either inaccurately reported, outdated, or do not accurately reflect my credit history. Below, I have outlined each account and my reasoning for the requested correction or removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 submitting this formally dispute several inaccurate and potentially obsolete items appearing on my credit report. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ). These accounts and inquiries are either inaccurately reported, outdated, or do not accurately reflect my credit history. Below, I have outlined each account and my reasoning for the requested correction or removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief