vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I called Synchrony XXXX to update my phone number and address for my XXXX XXXX XXXX and was told that the only way they would do it was by invading my privacy!! I was told I would have to take a 4-5 second video of myself and send them pictures of my ID! All the while she was in XXXX!!! I am done with giving up my freedoms as an XXXX!! 

Banks and credit card companies need to STOP disrespecting personal biometric data! I understand the reasoning behind it, but their fears can not break American 's backs! It is surveillance under the banner of security!

1. Corporate Liability XXXX XXXX  dont want to be blamed ( or fined ) for fraud. So instead of making it safer for you, they shift all the burden onto you. If you refuse the process, they think, Greatless risk for us.

2. XXXX XXXX XXXX  and Vendors Companies like Synchrony now rely on third-party identity platforms ( e.g. XXXX, XXXX, XXXX ). These firms sell biometric-based proof-of-life systems, and banks buy into them to reduce support staff and automate everything, even basic updates. 

3. Lack of Regulation Right now, there are few federal laws stopping private companies from demanding biometric dataeven for minor things. There are some state-level laws ( like Illinois XXXX XXXX, but they havent gone far enough to protect everyday people. 

I demand to be able to -Opt-out rights for facial and biometric data -Clear limits on what companies can require for basic service -Penalties for companies that make access conditional on invasive surveillance We MUST have regulations and legislation to stop this grab!!!! 

Sychrony can keep my old information for all I care!!! I won't be using my Amazon XXXX XXXX or XXXX card anymore!!!

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ok so I have a account with PayPal I've had since mid XXXX  and yesterday on XXXX XXXXXXXX  I was trying to transfer my balance from my PayPal XXXX XXXX dollars to my debit card and found that I kept getting a error message and it went from a error message to a notification that said my account was being placed in hold dude to questionable activity!!!!! I didint understand it so I had to wait till today XX/XX/XXXXXXXX  to call customer service but by then I had a notification that said in Red my account was permanently closed and will remain this way and that I couldn't withdraw any of my money this isn't right I need my money and haven't been able to go buy food water has anything my family needs now this is a dam nightmare I didn't do anything wrong for PayPal to be doing this to me man I called their customer service number at XXXX ( XXXX ) XXXX and got nowhere they refused to help or tell me a reason why they were doing this to me please help me get my money out of my PayPal account thank u my number is XXXX email is XXXX my name is XXXX XXXX thank u so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Experian, Transunion and Equifax for the continued reporting of inaccurate and fraudulent information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I discovered that several accounts was reporting an account that I did not authorize, open, or have any knowledge of. As a result, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted the proper documentation, including my signed affidavit and proof of identity, to the relevant credit bureaus and the furnisher of the account.

Under 15 U.S. Code 1681c-2, when a consumer provides an identity theft report, the furnisher and/or credit reporting agency is legally obligated to block the fraudulent information from appearing on the credit report within XXXX ( XXXX ) business days. Despite my full compliance, this account remains on my credit file and continues to harm my creditworthiness. 

This is a willful violation of the FCRA, and I believe a full investigation is warranted due to the failure to comply with federal law, as well as a failure to honor the FTC identity theft report I submitted. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take immediate action to : Require the permanent removal of the fraudulent account from all of my consumer credit reports Investigate the furnishers failure to comply with the identity theft protections provided under the FCRA Provide a written resolution acknowledging the results of this complaint and the actions taken Supporting Documentation : Copy of FTC Identity Theft Report Proof of Identity

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Re : Request for Debt Validation Account # XXXX To Whom It May Concern : I am writing in response to an account on my credit report I received on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I am requesting the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I have found fraudulent accounts on my credit report that I did not initiate or authorize. This is a violation of my rights under 15 U.S. Code 1681g, and I demand their deletion within 15 days. Please see the attached documentation for verification.

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 2025-06-18 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: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-18 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information appearing on my credit report. I have identified an account reported by Aldous & Associates, account number XXXX, that is currently listed as : Status : Open Balance : {$0.00} Original Creditor : XXXX XXXX I fully paid the balance of {$410.00} in full on this account, and it is no longer in collections. However, it is still being reported as open, despite the fact that the balance is {$0.00}. This status is inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to : " Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' An open status implies the collection account is still active and unpaid, which is factually incorrect once the balance is {$0.00}. Reporting a paid collection as still open is materially misleading, causing unjust harm to my creditworthiness. 

Please reinvestigate this matter and correct the reporting as required under FCRA. I have enclosed supporting documentation of my payment for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
My credit report shows that I have 16 inquiries and that's quite odd because I haven't applied for anything in almost 4-5 years. These unauthorized inquiries are ultimately causing me financial hardship and stopping me from gaining more revenue.

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 2025-06-18 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: WY

Complaint narrative:
XXXX Recieved an email and 2 text messages XXXX Received multiple emails All last Week Received multiple emails every day and a couple of text messages. 

Company is Halsted Financial and they have harassed me for the past week but never sent a validation letter providing what the debt collection is for and just started sending multiple email and text messages, not a call or letter in regards to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I am XXXX behind in my mortgage i lost income which my XXXX  move out and now my XXXX  jus start working so he can start helping me i was out work for XXXX so i got behind in my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>XXXX  and XX/XX/year>XXXX  I sent out my disputes to Experian disputing a Bankruptcy Ref # XXXX ( all letters attached ). I explain to them this is me and I would like them to investigate my disputes and ensure my personal information is correct. Instead of them investigating my dispute they always send me the generated letter claiming it's not me that's sending the disputes ( see attached XXXX XXXX and XXXX XXXX ) I explained to them before that the info is inaccurate and XXXX  and XXXX  took the proper steps to verify my disputes and removed all unverifiable and inaccurate information from my report. 

I also referenced this over the phone and in my disputes : Experian ( XXXX ) Sued by the CFPB for engaging in fraudulent dispute resolution practices, including re-inserting inaccurate data without proper investigation Even after several attempts Experian will not investigate and will continue to report inaccurate and unverifiable information on my credit report.

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 2025-06-18 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: TX

Complaint narrative:
This inquiry was added to my report without a legitimate reason or consent. It is not associated with any activity I undertook and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I need to stress that this complaint is deliberate and not submitted in error. My credit report contains inaccuracies that fall short of the legally required standard of maximum possible accuracy. These errors are severely impacting me, causing ongoing and significant harm during an already difficult time. 
Correcting or removing these inaccuracies would be a crucial relief and greatly improve my situation.

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 2025-06-18 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: CO

Complaint narrative:
I am disputing the accuracy and fairness of a 60-day late payment reported by XXXX. This account is closed and shows as having a delinquency as of XX/XX/year>. However, I was not properly notified or given an opportunity to resolve this payment prior to it being reported late. I also believe this reporting is either inaccurate, lacks context ( automated withdrawal issues, system error, etc. ), or disproportionately punitive given the short-term nature of the account. 

This single late payment is significantly damaging my credit profile, and I believe it is unfairly affecting my creditworthiness. Ive since maintained a clean record and am requesting that this mark be removed or adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

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 2025-06-18 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: MOHELA
State: OH

Complaint narrative:
XXXX XXXX Total amount now XXXX $ I was informed that my loan was transferred to a new student service. However, also I was not given prior warning or explanation about the ongoing daily interest charges being applied to my account, even while I am still enrolled and attending school. This was not part of the initial agreement or explanation I received when I took out the loan. 

As a result, the amount owed has been steadily increasing each day, making it very challenging for me to manage repayments. Despite making a payment of {$2000.00} from my tax refund, I now have little remaining funds, and I still have about a year of college left to complete.

Company response to consumer: Closed with explanation