vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX, run by Synchrony Bank, had misleading promotional option. 

They had 12 months free promotional plan for a purchase over XXXX dollars. To make use of the option, I made payment for all remaining balance, then made purchase for a big ticket item. 

XXXX XXXX XXXX applied my payment ( which was made before the purchase ), immediately to the " promotional '' balance, and kept charging me interest for last 6 months. 

After several phone calls and chats, they still did not resolve 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 2025-05-20 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: Block, Inc.
State: OK

Complaint narrative:
On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX swiped my Cash App card. I was told at the time that the card was declined and no payment had been taken. However, {$1800.00} was immediately withdrawn from my Cash App banking account. 

I contacted Cash App, and they informed me that the only way to reverse the charge is if XXXX cancels the transaction. But XXXX claims they never received a payment, so they refuse to issue a cancellation. As a result, Im now stuck between two companieseach pointing fingers at the otherwhile my {$1800.00} remains inaccessible. 

Cash App is telling me I have to wait 30 days for the pending charge to drop off. In the meantime, I was forced to pay another {$1800.00} out of pocket just to continue my stay. That is completely unacceptable. To be clear : I was charged twice. 
Neither company is taking accountability. 
I had a terrible experience with both XXXX XXXX XXXX XXXX XXXX XXXX and Cash App. 

Im beyond frustrated, and I expect this issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
XXXX XXXX XXXX did not adequately investigate all accounts that are reporting late payments & charge offs on my credit report. XXXX XXXX XXXX was negligent in verifying that creditors was accurately reporting my personal residence that would support creditors reporting XXXX XXXX XXXX XXXX XXXX  on my credit report. The address on my credit bureau is not the same as what creditors are reporting. The credit bureau has verified the creditors are not accurately reporting account & by law should delete XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A credit card for XXXX XXXX was stolen in the mail. There was evidence and police reports. XXXX XXXX sent text to approve purchase and I declined purchase on my phone because I had not received card yet. XXXX XXXX approved purchase anyhow. I saw charges and began disputing. I submitted a fraud report with police and US postal service evidence multiple times. XXXX XXXX lost it multiple times. Finally, after many months of fighting with them, they acknowledged receiving it and did an investigation and came to the conclusion that it was fraud. I was assured all charges and credit reporting would be corrected. I received a letter indicating so. I spoke to multiple supervisors requesting a letter indicating I have no late payments that a mortgage lender needed to help me improve my home. XXXX XXXX has refused and told me I have to wait several months until credit report is updated. I got an update and learned they reported it as a charge-off which made the situation worse. I have been on the phone for hours multiple times per week and no one will help with the situation and correct my credit. I can not get even a simple letter so that mortgage lender can use for a temporary re-score. The only adverse item is there's but it is preventing from improving my finances. I considerate it fraud against me by XXXX XXXX and Citibank.

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 monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX Subject : Dispute of Charge-Off No XXXX Received Dear XXXX  I am writing to formally dispute a charge-off account currently listed on my credit report. The account details are as follows : Creditor Name : XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate and verifiable. I am challenging the validity of this charge-off listing, as I have never received a Form 1099-C ( Cancellation of Debt ) from the original creditor or any debt collector associated with this account.

If this debt was in fact charged off or canceled, the IRS requires that a 1099-C form be issued for tax purposes. The absence of this form raises questions about the accuracy and legitimacy of the charge-off entry itself. 

I am requesting that you investigate this matter and either verify the legitimacy of this account with complete documentation or remove the charge-off from my credit report immediately. 

In support of this request, I have enclosed a copy of my ID and a recent utility bill for identity verification. Please complete your reinvestigation within the required 30-day timeframe and inform me of the results in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
XXXX XXXX sold account to another debt company and they are requesting full payment. XXXX XXXX never notified me that they were selling it to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my Experian credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

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 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Case Number with XXXX  Furniture : XXXX XX/XX/2024, I purchased a bed from the XXXX XXXX XXXX and applied for a credit card to finance both the purchase an extended warranty. However, just 30 days later, the beds frame ( platform ) collapsed, leaving my spouse and me on the floor. 

We immediately contacted XXXX warranty department, which dispatched a technician who determined that the bed had been installed incorrectly. Despite their repair, the bed broke again within XXXX weeks. Once again, a technician came out and fixed it. Unfortunately, the bed failed a third time, this time severelycausing our grandchilds head to slip under the headboard and resulting in an injury. We rushed him to the emergency room and promptly informed XXXX customer service about the incident. 

Each time we reached out, a representative assured us that we would receive a decision regarding replacement or repair within XXXX hours, but we were never contacted. In total, we have made XXXX attempts to resolve this issueyet we have received no resolution. Even today, XX/XX/XXXX, I called again for an update and was once more told to expect a response in XXXX hours. I explained that the bed poses a serious safety risk and that we are now sleeping on the floor, but my request to speak with a XXXX was denied. 

This bed is a hazard, and XXXX  XXXX  has failed to honor its contractual obligations. We are uncertain how to protect ourselves from this ongoing risk, given the companys lack of response.

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 2025-05-20 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: GA

Complaint narrative:
Subject : Inaccurate, Misleading, and Unverified Credit Reporting Ongoing Harm and FCRA Violations I am submitting this complaint to formally request enforcement and correction regarding several credit accounts inaccurately reported and unresolved despite prior disputes under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and associated CFPB compliance guidelines. 

The following accounts continue to be misreported or remain unverifiable on my credit reports : XXXX XXXX ( XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXX XXXXXXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported with Late Payments. 

XXXX XXXX XXXX XXXX listed a hard inquiry on XX/XX/year>, with no permissible purpose or consumer-initiated transaction. 

These entries are harmful and violate multiple sections of the FCRA. Specifically : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct or delete inaccurate information. 

15 U.S.C. 1681s-2 Furnishers ( creditors ) must not report information if they know or have reasonable cause to believe it is inaccurate. 

15 U.S.C. 1681b The XXXX XXXXXXXX XXXX inquiry appears to have been made without my authorization or any permissible purpose. 

IRS Guidelines on 1099-C If any charged-off debt was canceled or discharged and reported to the IRS, then maintaining it as a collectible debt is both deceptive and misleading. 

Emotional, Financial, and Reputational Harm Due to these errors, I have experienced credit denials and increased interest rates, which have materially impacted my financial health and caused considerable distress. 

I have previously disputed these items with the credit bureaus, yet no meaningful corrections or supporting validation have been provided. Some responses included vague form letters or restatements of prior data without legal substantiation. I do not accept these as compliant investigations under the FCRA. 

I request that the CFPB compel the furnishers and credit bureaus to either : Provide complete documentation validating the debts and reporting status per 15 U.S.C. 1681i ( a ) ; or Remove the accounts in full as inaccurate, incomplete, or unverified under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

Additionally, I request the CFPB investigate these furnishers and the credit bureaus for ongoing noncompliance and potential systemic violations.

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 2025-05-20 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: GA

Complaint narrative:
Subject : Inaccurate, Misleading, and Unverified Credit Reporting Ongoing Harm and FCRA Violations I am submitting this complaint to formally request enforcement and correction regarding several credit accounts inaccurately reported and unresolved despite prior disputes under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and associated CFPB compliance guidelines. 

The following accounts continue to be misreported or remain unverifiable on my credit reports : XXXX XXXX ( XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXX XXXXXXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported with Late Payments. 

XXXX XXXX XXXX XXXX listed a hard inquiry on XX/XX/year>, with no permissible purpose or consumer-initiated transaction. 

These entries are harmful and violate multiple sections of the FCRA. Specifically : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct or delete inaccurate information. 

15 U.S.C. 1681s-2 Furnishers ( creditors ) must not report information if they know or have reasonable cause to believe it is inaccurate. 

15 U.S.C. 1681b The XXXX XXXXXXXX XXXX inquiry appears to have been made without my authorization or any permissible purpose. 

IRS Guidelines on 1099-C If any charged-off debt was canceled or discharged and reported to the IRS, then maintaining it as a collectible debt is both deceptive and misleading. 

Emotional, Financial, and Reputational Harm Due to these errors, I have experienced credit denials and increased interest rates, which have materially impacted my financial health and caused considerable distress. 

I have previously disputed these items with the credit bureaus, yet no meaningful corrections or supporting validation have been provided. Some responses included vague form letters or restatements of prior data without legal substantiation. I do not accept these as compliant investigations under the FCRA. 

I request that the CFPB compel the furnishers and credit bureaus to either : Provide complete documentation validating the debts and reporting status per 15 U.S.C. 1681i ( a ) ; or Remove the accounts in full as inaccurate, incomplete, or unverified under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

Additionally, I request the CFPB investigate these furnishers and the credit bureaus for ongoing noncompliance and potential systemic violations.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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