vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Today, XX/XX/XXXX I connected with Synchrony customer service with an online chat because I could not access my XXXX credit card online. My account had a XXXX balance. I was informed the account was closed by Synchrony on XX/XX/XXXX because I had not used it in a while. This action by Synchrony was taken without any notice to me. Synchrony claimed they sent me a letter but I did not receive that letter. Their action will negatively effect my credit utilization ratio. 

I asked Synchrony to reinstate the account. They refused saying, once closed it can not be reopened. Then I was told I can reapply for the XXXX credit card. This would be the second hit on my credit rating. 

Furthermore, Synchrony 's rules regarding closing a credit card account with a XXXX balance seem random. I was informed my HSN credit card with them would not be closed. Their reply from my inquiry about the rules regarding closing accounts was : " Your HSN account will remain open as long as you don't close it because you have a XXXX balance. '' I want Synchrony to reinstate my account since my request for reinstatement is being made in the same month in which the account was closed and their reason for closing the account is not logical.

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
XXXX5 U.S. Code 1666b, part of the Truth in Lending Act ( TILA ), outlines the timing of payments for open-end consumer credit plans, primarily addressing credit card billing practices. It dictates that creditors can not treat a payment as late unless they've taken specific steps to ensure timely notification and payment processing.i have no knowledge of this account and I didnt receive any documents of notification of late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
XXXX  loans completely paid of for MONTHS and this crooked company refuses to update to show XXXX balance AND WE HAVE PROOF THIS CROOKED COMPANY IS DOING THIS ON 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 2025-05-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Hello, Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NV

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education.

Accounts in Dispute : [ List of Student Loan Accounts ] XXXX account # XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

XXXX XXXX XXXX  Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Existing dispute on account status. Previous mortgage provider lost/did not transfer payment for XX/XX/year> to new mortgage provider. New mortgage provider reports account XXXX  days delinquent. Delinquent notice placed in violation of XXXX cfr part XXXX ( regulation z ).

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX, I deposited a check at XXXX via mobile deposit with Navy Federal Credit Union for {$1100.00}. At XXXX, I received an approval e-mail and confirmation stating that {$220.00} would be available the next business day, and the full deposit would be available within two business days. The next morning, I received a message stating that {$880.00} of the deposit would be held for up to five business d ays. I contacted Navy Federal to understand the reason for the change and requested the hold reason as requi
red under Regulation CC ( 12 CFR 229.13 and 229.16 ).

Despite multiple calls, I was told that they would not provide the reason code or category ( e.g., large deposit, repeated overdrafts, reasonable cause to doubt collectibility ). They only provided vague language about internal review or risk but refused to include the actual Regulation CC hold category in writing.

I believe this violates my right to receive a written notice with the specific reason for the extended hold under federal regulations. I am now financially impacted by the delayed access to funds, and I can not cancel deposit the check elsewhere because they require you to endorse " for NFCU mobile deposit only '' on the back of the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I went to the Regions Bank in XXXX, LA, and XXXX ended up having to submit a work ticket to technical support on my issue. I was told I would receive a call no later then XX/XX/XXXX. I never received a call. I was also told she would send me a copy of my bank records via e-mail so I would know my balances and Auto Payments. ( She provided me with her card and I later found out the person 's name on the card was an employee that had been transferred to another branch 3 months prior! ) I never received the e-mail with the requested info. On XX/XX/XXXX, I called and asked for her to contact me in order to find out the status of my issue. She never returned my call. On XX/XX/XXXX, I once again left a message for her to call me and was told she would return my close prior to closing. Once again, I never received a call. On XX/XX/XXXX, I again asked to have her call me. The manager stated she was coming to work and would be in the office soon. She returned my call, stating that she came in " just for me '' and FINALLY told me my issue had been forwarded to their fraud department for review. She also stated that she was unable to send my account info via e-mail and had sent a copy through the mail. As of this date, I have not received it. She stated that she had been unable to return my previous calls due to the extreme amount of customers coming to the bank. As of this date, XX/XX/XXXX, I am still unable to open my account online.

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 2025-05-31 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form XXXX for illegal tax violations upon your company to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have several things thats either paid off or in good standing that hasn't been updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
This is a second formal dispute regarding LexisNexis Risk Solutions incomplete reinvestigation originally handled under CFPB XXXX XXXX  XXXX. 

While LexisNexis removed outdated addresses, they failed to address or investigate my primary dispute concerns : the presence of inaccurate, outdated, and unauthorized insurance-related data specifically " Prior Insurance History '' which caused a documented denial of preferred insurance rates. 

On XX/XX/year>, XXXX issued an adverse action notice stating that LexisNexis supplied the data used to downgrade my insurance classification. I have attached the XXXX email as evidence. My FICO score at the time was XXXX ( based on XXXX  ), and my XXXX statement confirms a clean, active account further suggesting that LexisNexis insurance data had a direct and negative effect. 

Additionally, I submitted a request to place a XXXX XXXX  security freeze XXXX XXXX  on my LexisNexis consumer file earlier in XXXX. LexisNexis never responded to or confirmed that the freeze was applied. Yet XXXX accessed my LexisNexis file weeks later, which violates FCRA 604 ( c ) and 605A, regarding unauthorized access to frozen reports. 

LexisNexis has not provided any of the following : XXXX  A verification of the insurance data it holds XXXX  The source or legal basis for that data XXXX An explanation of why the freeze request was ignored XXXX Any confirmation of deletion or suppression of unverifiable records I am requesting that the CFPB : XXXX. Compel LexisNexis to disclose and reinvestigate all insurance-related records. 
XXXX. Require written confirmation of the data source accessed by XXXX. 
XXXX. Confirm that my security freeze is now in effect and retroactively enforceable. 
XXXX. Suppress or delete all unverifiable insurance data from my LexisNexis file. 
XXXX. Take regulatory action against LexisNexis if data continues to be disclosed without my authorization. 

Attached : XXXX XXXX denial email ( XX/XX/year> ) XXXX XXXX FICO score report ( XX/XX/year> ) XXXX  LexisNexis XX/XX/XXXX response XXXX  ID and proof of address XXXX  LexisNexis XXXX Report ( XX/XX/year> ) This situation has caused measurable financial harm, and LexisNexis has failed to comply with multiple FCRA obligations. I request urgent investigation and full enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 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 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately : BRCLYSBANKDE ( Bank ) XX/XX/XXXX LIGHTSTREAM ( Bank ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC XXXX Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-05-31 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: OH

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, 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 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 2025-05-31 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : 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  Balance : : {$480.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX buttonoavail.

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 2025-05-31 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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