vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, an additional debit was made from our account ( likely from a principal payment request ). We immediately contacted United Wholesale Mortgage and requested a refund. 


On XXXX, my husband was told the refund would be issued via direct deposit and credited back by XXXX. 

On XXXX, when nothing appeared, he called again and was told direct deposits are not their policy and that a paper check had been mailed. I also spoke to a supervisor the same day, who repeated this and dismissed the financial hardship caused. 

On XX/XX/XXXX, after still not receiving a refund, my husband was told the check hadnt actually been mailed until XX/XX/XXXX, could not be voided for 30 days, and that we could just rely on the 15-day grace period if we couldnt make XXXX payment. 

On XX/XX/XXXX, our lender contacted a UWM manager, who claimed the check had actually been mailed on XX/XX/XXXX and should arrive in 710 business days. 

As of XX/XX/XXXX, no refund has been received, and neither we nor our lender have been able to obtain a clear update. 

The companys contradictory statements and refusal to issue a timely refund have caused us to fall behind on household bills and created unnecessary financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
was looking at Experian Credit report and found that the majority of the information was not mine and what gave it away was MY NAME SPELLED WRONG AND DATE OF BIRTH WAS INCORECT my experian report # XXXX for XX/XX/year> Hello, my name is XXXX XXXX . Im calling in reference to my consumer file. 

I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. 
Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified at the furnisher level. 

Please note, if this request is not honored, I will be filing formal complaints with the CFPB, the FTC, and the Attorney Generals Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a refund of {$71.00} from a merchant on XXXX XXXX for a purchase from months ago. My credit card account was closed in XX/XX/year>. Today, I asked the credit card company to issue a refund check for the refunded amount. They told me I have to wait XXXX or XXXX billing cycles to receive this ( XXXX days ). 
Per Regulation Z ( 12 CFR 1026.11 ), the company has 7 days after receiving my refund balance request to issue it, but they refuse to, continually telling me they're analyzing the account. I am simply asking for a refund of the money I paid the bank, which was refunded to the bank this week, funds I can not spend because the card isnt active, and for which they are not giving me in a reasonable timeframe per cardmember and CFPB agreements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been a Synchrony Bank customer for over 14 years. I have never missed a payment on any of my accounts and recently paid off approximately $ XXXX this month, leaving all balances at {$1600.00} on Care credit and XXXX on PayPal . In recognition of my responsible history, Synchrony increased several of my credit limits and, on XX/XX/year>, approved me for a new Car Care Credit account. 

Just six days later, on XX/XX/year>, Synchrony suddenly closed ALL of my accounts, including those I have held for over a decade. I received no prior warning and no clear explanation. This action has severely impacted my available credit and risks harming my credit score despite my perfect payment history and responsible credit management. 

Why I am filing this complaint : I believe Synchronys actions were inconsistent and unfair : approving new credit and raising limits one week, then closing every account the next.

These closures penalize me as a consumer for responsible financial behavior ( paying off debt in full, keeping accounts current, and maintaining a perfect 14-year track record ).

They closed my PayPal MasterCard I've had since I was XXXX, my XXXXXXXX XXXX XXXX XXXX Amazon, PayPal Credit and the Car Care credit I was approved for just days ago after they solicited me to apply. I haven't even received the new card yet and it's already closed. 

It's extremely un ethical they solicite someone to apply for their card, they apply and get approved and then they close ALL of someone's accounts. This is unscrupulous. 

The sudden closures are not only unjustified but damaging to my credit utilization ratio and average account age.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, an amount of {$280.00} was deducted from my checking account by a vendor listed as XXXX XXXX XXXX. Previously, on XX/XX/year>, I noticed a similar charge of {$280.00} reflected on XXXX XXXX, associated with a vendor listed as XXXX. 
As I did not authorize either of these transactions, I promptly filed a claim with Navy Federal Credit Union to dispute the charge. Unfortunately, my initial claim was denied. I subsequently filed an appeal on XX/XX/XXXX, which was also denied. A second appeal submitted on XX/XX/XXXX was similarly denied. 
Following additional research, I was advised to file a police report, which I completed. I then submitted a new claim to Navy Federal Credit Union on XX/XX/XXXX, along with a detailed letter explaining the situation. I received confirmation that the claim was received. I was informed that the review process could take up to XXXX  days. 
Additionally, I attempted to contact both vendors listed in the disputed transactions. I was unsuccessful in reaching anyone at XXXX XXXX XXXX, and XXXX ( the parent company of XXXX XXXX confirmed that no transactions were processed through the account in question. 
Despite this, the claim was again denied, and I was later told that there was no record of the XX/XX/XXXX claim in their system. I requested documentation outlining the basis for the denial but did not receive the requested materials. 
At this point, I am seeking a clear explanation and documentation regarding the denial of my claims, as well as clarification on the missing XX/XX/XXXX submission. Your prompt attention to this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is extremely concerning that inaccurate accounts remain on my credit reports and have yet to be removed. I urgently request that the attached documents be examined thoroughly, so I can finally have peace of mind and no longer be haunted by this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
b'Incorrect names ,incorrect phone ### , XXXX XXXX need to be deleted \nStudent loan was paid off a long time again and always on time ! Need to be fixed \nMade up addresses that a mixed with one or more addresses that arent even real . \n\n15 U.S.C & 1681\n15 U.S.C & 77q\n17 CFR & 240. 17a-3\n17 CFR & 240.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOur rights have been ignored once again . I have sent letters to all XXXX  bureaus above , Experian , XXXX  ,XXXX  and they are not deleting and have not fixed  my report on the accounts I have reported to them . Its been multiple times and nothing has changed . Would love to speak with an agent if we may . Please get back to me asap so I can give more info .\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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
I previously disputed this XXXX account directly with TransUnion because it is inaccurately reporting monthly derogatory notations after being charged off in XX/XX/XXXX. TransUnion responded with an Unknown result, indicating XXXX did not provide dispute results. Despite this, the tradeline continues to appear with ongoing monthly late marks through XXXX. 

This is inaccurate and misleading under the FCRA. Once charged off, the account should reflect only the charge-off status, not continued delinquency reporting years later. If XXXX fails to respond to disputes, the bureaus should not continue to publish the account in this misleading state. 

I request the CFPB instruct XXXX to correct the tradeline to reflect only the original charge-off date and status, and require TransUnion ( and other bureaus ) to remove or update the tradeline when no response is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Your Account Number XXXX Account Name Truist Bank Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Truist Bank : resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been a TD Bank customer for about 20 years and have never had any issues with my account. On XX/XX/year>, I attempted to make a cash deposit into my account at two TD Bank branches. 

At the first branch, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the manager refused to allow me to make a deposit, saying she was not comfortable. 

I then went to the second branch, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The XXXX there also said she was not comfortable. When I asked her how much deposit was permitted on my account, she told me I could deposit XXXX XXXX. But when I went to the teller counter to make that deposit, I was refused any service. The manager also told me I was welcome to close my account. 

No explanation or documentation was provided to me at either branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Formal Dispute of Reinserted Charge-Off Account Demand for Immediate Removal and Blocking I am writing to formally dispute the reappearance of a charge-off account on my credit report that was previously deleted after investigation. The account in question has been reinserted without proper notice or certification, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 611 ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumers file, the credit bureau is legally required to notify the consumer in writing within five ( 5 ) business days of the reinsertion and must receive certification from the data furnisher that the information is accurate and verifiable. 

Account details : AMERICAN EXPRESS Account numberXXXX Date Opened : XX/XX/year> Balance : {$8300.00} To date, I have not received any notification regarding this reinsertion, nor have I been provided with supporting documentation verifying the accuracy and legitimacy of the account. This failure constitutes a breach of your legal obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
There are multiple unauthorized charge on my account for past few months. Those are unauthorized charges to my account and the bank isn't investigating right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Date Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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