vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I'm writing to formally dispute the improper closure of my accounts Amazon Care Credit XXXX Room To Go TJX Max and I did not request or authorize the closure of this accounts, and they representative has acknowledged that this action was a internal error on Synchrony Banks part. 

On XX/XX/year> I spoke with a Synchrony Bank manager who confirmed that the closure was made in error and assured me that the matter would be corrected once I received and provided my credit report. However as of today XX/XX/year> when I called for the instructions on where to send my credit report another manger informed me that nothing could be done. 
This is conflicting and inconsistent communication is unacceptable and has placed my credit standing at risk. As you can see I never have a late payment or missing payment from any of my accounts. 

This improper closure and failure to correct the error may result in adverse and inaccurate reporting to credit bureaus, in violations of the Fair Credit Reporting Act. 

I demand that : 1.My account be immediately reinstated to active status, 2.Synchrony Bank provide written confirmation that no negative or adverse information related to this error has been or will be reported to any credit reporting agency.

3.If such information has already been reported Synchrony Bank must take prompt corrective action with all relevant credit bureaus ( XXXX XXXX XXXX XXXX ) I expect prompt written confirmation of receipt of this dispute and details of the corrective action taken. 

I work very hard all my life to have the credit that I have right now and I don't want to lose it for intern error of some credit company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing several hard inquiries that appear on my credit report without my authorization. As permitted under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove the following unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not apply for credit with these entities nor give consent for these credit inquiries. The only inquiries I authorized were those from XXXX XXXX  between XX/XX/XXXX and XX/XX/year>. 

In accordance with my rights under the FCRA, I request that these unauthorized inquiries be removed promptly.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Request for Deletion of Inaccurate and Obsolete Personal Information To Whom It XXXX Concern, I am writing to formally dispute and request the immediate removal of inaccurate and obsolete personal information being reported on my TransUnion credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to my credit report, TransUnion is reporting outdated personal identifiers, including previous addresses, former employers, and possibly outdated telephone numbers. These items are not current, not relevant, and do not accurately reflect my present identifying information.

The FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Outdated addresses, employers, and phone numbers do not meet this standard and must be deleted. Further, under FCRA 611 ( a ), I have the right to dispute and request reinvestigation of any inaccurate, incomplete, or unverifiable information in my file. 

For clarity : All prior addresses must be deleted. 
All outdated or incorrect telephone numbers must be deleted. 
All employment history must be deleted, as it is irrelevant and does not impact creditworthiness. 

The only accurate and valid identifying information that should remain on file is : XXXX XXXX XXXX XXXX XXXX, AL XXXX Failure to comply with this request will constitute a willful violation of the FCRA, for which I reserve my right to pursue remedies under federal law, including statutory damages, actual damages, attorneys fees, and costs. 

Please provide written confirmation of the deletions once completed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( last XXXX ) : XXXX 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Client Services, Inc.
State: MO

Complaint narrative:
Client Services has been repeatedly calling me several times a days several days a week several times a month for over 3 months. I have repeatedly asked them to take me off of their calling lists. If XXXX call back any of those numbers, no matter what the voice wounds like, all of their names are XXXX. Doesnt matter which number they have used. None of their names numbers are ever the same but the Client Services name ia listed with each and everyone. I have every single number stored in my XXXX as blocked numbers. It is harassment and Client Services is not a nice company at all. 

I am not sure what this company does or who they are. Theres absolutely no reason for any company to harass a consumer as much as this one has. I am only one person. The company name makes it appear theyre some sort of XXXX XXXX XXXX XXXX when in all reality when you call those numbers they answer each one as XXXX and some kind of asecurity protection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a promotional financing account I opened in XX/XX/XXXX through Mattress Firm. At the time of sale, I was clearly told that the financing would carry a three-year, zero-percent promotional interest term. Synchrony now claims that the promotion was only XXXX months. 

Even if the promotion were twenty-four months, interest was added to my account well before that period ended. My statements show that interest began appearing as early as XX/XX/XXXX, less than XXXX months after the account was opened and well before XX/XX/XXXX, when the twenty-four-month period would have expired. 

I have repeatedly requested copies of my monthly statements and the original signed financing agreement. Synchrony has refused to provide them. I also never received any letter or notice informing me that the promotional period was ending or that interest would be applied. 

When I enrolled in automatic payments, the payments were structured so that the balance would have been fully paid off by the end of the promotional term. Despite this, Synchrony still began charging interest and continues to do so.

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 2025-08-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-08-18 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: MN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted several disputes to TransUnion, and their investigations determined that this account is still active. I traded in the XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX in XXXX, Texas. My credit report still shows that this vehicle financing account is active.

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 2025-08-18 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: GA

Complaint narrative:
XXXX Equifax XXXX, I am submitting this complaint to follow up on prior disputes filed with Equifax under the following confirmation numbers : Confirmation Number : XXXX Submitted XX/XX/year> Confirmation Number : XXXX Submitted XX/XX/year> Confirmation Number : XXXX Submitted XX/XX/year> These disputes specifically requested the permanent removal of outdated accounts that exceed the XXXX ( XXXX ) year reporting period, as well as the obsolete addresses information. 

Given that Equifax disclosed the past breaches, I emphasize that my personal data continues to be exposed, I continue to experience an excessive volume of spam/unwanted communications. This ongoing issue underscores the risk of continued exposure and potential misuse of my sensitive data, raising serious concerns regarding XXXX duty to safeguard consumer information in compliance FCRA and related federal consumer protection standards. 

XXXX Request : Upon reviewing my credit file, I identified the following addresses that are obsolete : ( maintaining and publishing obsolete or unverified address data violates FCRA 611, 15 U.S.C. 1681i ( a ) ) XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX PL, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX Request : I have identified old accounts being reported that exceed the allowable reporting period : Pursuant to FCRA 605 ( a ), 15 U.S.C. 1681c ( a ), consumer reporting agencies may not report accounts, collections, or charge-offs that are more than XXXX ( XXXX ) years old. 

All the following accounts were closed in excellent status : XXXX XXXX XXXX XXXX - Account XXXX Date of Last Activity XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Date of Last Activity XXXX XXXX  XXXX XXXX XXXX XXXX Date of Last Activity XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> XX/XX/year>. Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding andpromptaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist Bank closed my account do to it being overdrawn. I was hit by a car in XXXX and thrown to the sidewalk and unconscious. I was in the hospital with a XXXX XXXX XXXX, with a XXXX XXXX and multiple facial fractures for some time to recover. I did not know the account was overdrawn due to service fees and a chargeback I submitted being reversed for {$60.00}. Once I had recovered I checked the account on XX/XX/XXXX and found out it was charged off XXXX days prior on XX/XX/XXXX. I immediately went to the branch, explained to them the situation paid what was owed on the closed account and they opened another account for me. They also assured me that there would be no adverse action taken because of my circumstances, and since I took care of the issue right away. They also charged me a {$30.00} fee for the charge off which I paid. 

On XX/XX/XXXX, I applied for a credit card through Truist bank and was told that I could not continue with the application because of my closed account being reported XXXX XXXX XXXX in Arizona. 

Now I am unable to open up any bank account, credit card, savings account or a loan due to this derogatory action being taken against me, when I was told there would be no adverse reaction due to the account being closed.

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 2025-08-18 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/year> I checked my credit report and found this inquiries that were false and have been effecting my credit score, i believe i been a victim of idenity theft, because i did not authorize them.... i wish that these items be removed immediatly.. 
inquries from : Td auto fin XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> ... these are all inquriries that i did not authorize .. please remove

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple attempts to dispute and remove fraudulent, inaccurate, and misleading information from my consumer report have failed to resolve these persistent issues. The continued presence of these unauthorized entries has created substantial personal and financial hardship, generating ongoing XXXX  while damaging my creditworthiness and limiting my access to fair lending opportunities. As a victim of identity theft, I want to clearly state that I never authorized, requested, or consented to the inclusion of this fraudulent information, which does not represent my actual financial history or creditworthiness.

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 2025-08-18 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: TX

Complaint narrative:
Multiple attempts to dispute and remove fraudulent, inaccurate, and misleading information from my consumer report have failed to resolve these persistent issues. The continued presence of these unauthorized entries has created substantial personal and financial hardship, generating ongoing XXXX  while damaging my creditworthiness and limiting my access to fair lending opportunities. As a victim of identity theft, I want to clearly state that I never authorized, requested, or consented to the inclusion of this fraudulent information, which does not represent my actual financial history or creditworthiness.

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