vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank approved a credit card based solely on the information saved in my XXXX shopping app, which listed a preferred nickname ( XXXX XXXX ). My legal name is XXXX XXXX. 
Instead of verifying my identity properly, Synchrony used the nickname and reported it to XXXX, XXXX, and XXXX, creating incorrect and duplicate information under my SSN. 

This is a serious failure of identity verification, and it violates basic Fair Credit Reporting Act ( FCRA ) standards. A retail app like XXXX should not be the source of identity information for a financial product. 

I repeatedly contacted Synchrony through chat and customer service, and they told me it would take 30 days to fix the error or I would need to mail physical copies of my ID and a written application. In 2025, requiring customers to mail physical documents for an error they caused is unreasonable and unsafe. 

Because they refused to correct the mistake promptly, I had no choice but to close the account to stop the continued reporting of incorrect information on my credit file. 

Impact : My credit reports now show incorrect personal information. 

Duplicate name entries appear under my SSN. 

I have spent significant time and effort trying to correct this issue. 

Synchrony Bank has no proper process to resolve this except chat support, which is ineffective.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I checked my Equifax credit report through XXXX, and the report showed no information at all. A blank or incomplete report is not accurate and does not meet Equifaxs responsibility under the FCRA to maintain correct consumer data. 

I am requesting a prompt investigation into why my credit information is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I received a call from a man stating he was a processor and he would be serving papers to my husband tomorrow. I asked what this was about and he told me he did not have any information about the debt. He gave me the phone number of the law firm. I called and no answer. I called the man back to let him know I could not reach anyone at the number he had given me. He said that he would call the attorney 's office and have someone call me. 

I immediately received a call from man who said he was XXXXXXXX XXXX He sounded exactly like the man who had initially called me about being served tomorrow. Of course, he denied being the same man. The phone number he was calling from was the same as well. 

I asked XXXX XXXX to provide my husband with documentation so as to validate the debt. He refused to do so citing that the attorney 's office did not have that information. I told him that we needed to validate the debt before we could proceed. Again he refuse. He then accused me of trying to refuse to pay the debt. I told him, again, that I needed the debt to be validated. He replied with, " See you in court! '' He hung up on me. 

I called back. He answered. He said the account had been flagged that they would only speak with my husband and he would need to call back. 

He was rude, evasive and non-cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report that have been inaccurately reported. Please investigate these accounts and ensure that they are reported correctly according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
I am writing to TRANSUNION to REQUEST FOR REINVESTIGATION regarding several accounts that remain on my credit report even after I previously submitted an investigation request. My name is XXXX XXXX XXXX, and my current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported under my profile is accurate, complete, and verifiable. 

I am disputing the accuracy of the account XXXX XXXXXXXX ( XXXX ), opened XX/XX/XXXX with a reported balance of {$9900.00}. This debt resulted from fraudulent charges, and under the XXXX XXXX XXXX XXXX, I am not responsible for these fraudulent transactions. I request that TRANSUNION update the balance and status to reflect legal accuracy or delete the account from my credit report entirely. 

I am further disputing the account XXXX  XXXX ( XXXX ), opened XX/XX/XXXX with a balance of {$1800.00}. The late-payment dates reported on this account are inaccurate. Because inaccurate information is a violation of the FCRA, this account should be deleted from my credit report. 

The account XXXXXXXX XXXX XXXXXXXX. ( XXXX ), opened XX/XX/XXXX with a balance of {$20000.00}, is also being disputed. I request that TRANSUNION obtain and provide proof of the last payment for this account. The reported charge-off appears to be in violation of the duties of furnishers under the FCRA, and I request a reinvestigation with appropriate correction or deletion based on the results. 

I am also disputing XXXX XXXX XXXXXXXX ( XXXX ), opened XX/XX/XXXX with a balance of {$15000.00}. This account appears to have been reinserted into my credit report without proper notification or written communication, which violates the FCRAs reinsertion procedures and the duties of furnishers. I request documentation supporting this reinsertion, proof of last payment, and removal of this account if it can not be fully verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Problem : Denied credit for Suspected Fraud despite providing ID and bank statements ; company has not identified source of fraud flag or corrected inaccurate data. 
Details : I applied online for a XXXX XXXX XXXX XXXXXXXX credit card on XX/XX/XXXX ( Ref ID : XXXX ). The same day I called Comenity at XXXX ; I was asked to provide identity verification. I emailed XXXX on XX/XX/XXXX : my NY drivers license and my XXXX checking and savings account statements showing the same address used on the application. I received a confirmation receipt email from them that day. On XX/XX/XXXX I received a mailed denial letter from Comenity Capital Bank that states the reason for denial as Suspected Fraud. 
I dispute any fraud finding there was no fraud. I believe Comenity relied on inaccurate or low-quality third-party data or an automated fraud screen and failed to properly re-investigate or remove the fraud designation after I produced clear, matching identity documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian '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. Experian 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 Experian to potential regulatory and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Made several charges on my ATM/DEBIT card for services and the services were never rendered or received. Tried to resolve with the merchant and the merchant has failed to provided a resolution. So I filed a dispute with my bank Webster Bank on XX/XX/year>. Spoken to multiply managers in their dispute department and they advised I would receive provisional credits within 10 business days and no credits have been received. The merchant has not confirmed any chargeback has been received from the bank so it has led me to assume that the bank has not even started tho chargeback process so that the merchant has time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I was in a car accident on XXXX. XXXX, 2025, which wasn't my fault and my car is totaled, and the company told me that I still have to pay the monthly car payment of {$420.00} a month for 3 more years even if I'm not driving the vehicle or if it isn't operating. They also said that they would give me a call back but never did... I put a down payment of {$5000.00} when I purchased the car and I've been paying {$420.00} a month for 14 months straight

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Self Financial Inc.
State: SC

Complaint narrative:
Self financial has multiple late payments on my credit file and has charged off the account twice with refusal to remove late payments or either the account in its entirety. I put them on notice that their was a billing and accounting error a multitude of times. It is impossible for me to pay anything in a positive amount, but theyve continued to leave it furnished onto my credit file harming me financially. I paid the alleged debt before noticing the error and knowing my rights as a protected consumer. They refuse to delete and this is unfair and inequitable to me. This company claims they loaned me money and I was late paying it back and because of this they are in violation of the false claims act. The US is in bankruptcy and the only way is to discharge. I am the creditor, the natural person and this corporation doesnt have the ability to lend me anything of value. My social security number was the source of the credit. I extended credit to this corporation and in return they have damaged my credit file claiming I owe them debt. I will be taking action against them as they are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XX/XX/XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [XX/XX/XXXX XXXX XX/XX/XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I don't believe I should pay because they could have ship the merchandise to other commercial location. If they charge this off they collected insurance recovery for debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to dispute several inaccurate items on my credit reports. Below are the accounts in dispute for each credit bureau. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$970.00} XX/XX/XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, {$610.00} XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, {$920.00} XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} INQUIRIES XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/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
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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