vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: DE

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Synchrony XXXX XXXX XXXX, I am writing in follow-up to your correspondence dated XX/XX/XXXX, concerning my PayPal Credit account XXXX in XXXX and the disputed transaction of {$4700.00} dated XX/XX/XXXX, associated with AuthenticWatches.com. 

Your letter indicates that my fraud dispute was denied on XX/XX/XXXX, on the grounds that Synchrony determined the purchase to be authorized and that I had participated in or benefited from the transaction. I respectfully disagree and request a full reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Regulation V ( 12 C.F.R. 1022.43 ).

To properly evaluate your determination, I formally request that Synchrony provide documentary evidence supporting your conclusion, specifically : XXXX. Proof of authorization including any signed receipt, electronic authorization record, or IP log indicating that I personally authorized the {$4700.00} transaction on XX/XX/XXXX. 
2. Proof of purchase and merchant fulfillment including order details, invoice, shipping label, tracking data, or delivery confirmation showing the item ( s ) were shipped to and received by me or an address associated with me.

3. Correspondence between Synchrony, PayPal, and XXXX including any responses, screenshots, or documentation that led Synchrony to conclude the charge was valid.

4. Fraud investigation notes or reports detailing what investigative steps were taken and what evidence was reviewed before denying my dispute.

5. Credit reporting basis an explanation of what data was furnished to the credit bureaus following the denial and the factual basis for continuing to report this account as delinquent. 

Without the above documentation, your conclusion that I authorized or benefited from this transaction remains unsupported. Please consider this a formal reinvestigation request. If Synchrony is unable to provide evidence of authorization or delivery, I request that : The {$4700.00} transaction be removed from my account, Any associated delinquency be corrected with all credit bureaus, and Written confirmation of these actions be provided to me within 30 days.

Please send all responses and documentation in writing to the address above or via email if available.

I appreciate your prompt attention to this matter and expect a written response within the timeframe required under FCRA 623 ( b ) and Regulation V. 

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 non-monetary relief
Consumer complaint received 2025-11-03 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:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

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 2025-11-03 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: OR

Complaint narrative:
Per the Fair Credit Reporting Act ( FCRA ), all reported information must be completely factual and correct. The accounts referenced in my attached letter contain inaccuracies that have caused me harm, and I demand that they be deleted immediately to remedy this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
This is a continuation of the complaint : XXXX HSBC US made credit card transactions and statements UNAVAILABLE online and on their phone banking application from at least late XXXX to XX/XX/XXXX without prior notice, during which period ( 5 transactions in XX/XX/XXXX ) the fraud transactions occured. Neither did they send any paper statements in this period. 

HSBC US required its customers to report fraud transactions within 60 days of them taking place, to aloow them to mitigate potential losses. However, as there were no statements nor lists of transactions, I could not have reported them to HSBC US within the 60 days of them taking place. It was only after my repeated request HSBC US had restored the access to the account statements in XX/XX/XXXX. 

Since I first contacted them in XX/XX/XXXX, HSBC US and their customer relations staff have continued to state that the matter is under investigations, without a resolution of this matter for the last 4+ months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
XXXXI NEVER DID ANY DEAL OR BUSNIESS WITH THIS COMPANY AND IS HURTING ME MY CREDIT REPORT. ON THE REPORT APPEAR A NAME XXXXTHOSE COMPANY DONT BELONG TO ME OR I DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-03 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: CA

Complaint narrative:
I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding multiple negative accounts and inquiries appearing on my credit reports that are inaccurate, unauthorized, and unverified.

Pursuant to my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), I am disputing the accuracy and validity of all negative items currently reported by any third party on my consumer credit files. These accounts were not authorized by me, and I did not consent to share my personal or financial information with the entities reporting them. Therefore, such accounts constitute violations of my privacy and my rights under the FCRA.

Furthermore, the credit reporting agencies and furnishers of this data have a legal obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in all credit reporting. Reporting unverified or inaccurate information constitutes a breach of this statutory duty.

Additionally, under 15 U.S.C. 1692e ( FDCPA ), no debt collector or furnisher may use any false, deceptive, or misleading representation regarding a consumers alleged debt. Reporting or continuing to report accounts that are not properly verified or authorized falls under this prohibition.

I am therefore demanding that : 1. Each negative or derogatory account and inquiry on my credit reports be immediately investigated.

2. Any account or entry that can not be fully verified with documented proof of my authorization be deleted from my credit files with Equifax, Experian, and TransUnion.

3. I be provided with written confirmation of the investigation results and any deletions or corrections made.

Failure to comply with these federal requirements may constitute further violations under the FCRA and FDCPA, and I reserve my right to seek legal remedies if this issue is not resolved promptly.

I appreciate your attention and prompt action in ensuring full compliance with the law and the protection of my consumer rights.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Received email from CashApp company that they would not be reimbursing us for our claim. I have tried responding to the email and all messages get returned to me. I have been unable to reach a supervisor or anyone that will help me. 

XX/XX/XXXX My husband and I were working with a car dealership ( XXXX XXXX XXXX XXXXXXXX ) out of XXXX XXXX, Alabama regarding purchasing a XXXX XXXX. Our contact at the dealership was " XXXX '', who we later found out wasn't even a salesperson at this dealership. XXXX and my husband spoke numerous times, XXXX created and sent us an invoice for the vehicle and delivery was scheduled to XXXX, Alabama ( the halfway point for us and the dealership 's drivers. Before delivery could be confirmed, we were told that 35 % of the trucks cost must be put down as deposit, so we received an invoice via CashApp for {$380.00} to be sent to XXXX XXXX ( who we were told was the finance representative at the dealership ). The {$380.00} was sent via CashApp on XXXX, XXXX to XXXX XXXX XXXX $ XXXX ), and as soon as the deposit was received, we were contacted by XXXX XXXX to schedule delivery for XXXX on XX/XX/XXXX. My husband and I, plus our XXXX children, drove an hour to XXXX, XXXX  and waited for several hours for the 2 drivers and the truck to arrive, but they never showed up. Even throughout our drive to XXXX, we remained in contact with XXXX and were told the drivers were on their way, had stopped for fuel, etc, but contact stopped at XXXX when delivery was supposed to be made. At this time, we tried multiple times to get in touch with him, but never could reach by phone or text. At XXXX, we made the trip back home and called our local sheriff 's department. An XXXX with the XXXX XXXX XXXX XXXX Department came out to our home and a police report was filed on XX/XX/XXXX. I have provided the CashApp support team with a full description of the scam as well as the police report number, and I also requested a supervisor, but have been unable to get anyone to help me. I received an email stating they would not be refunding us the {$380.00} and I would like to dispute this and get additional help to recover our money lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report and would like to dispute certain items. Below is a list of the accounts and inquiries in question, separated by each credit bureau. I kindly request that each bureau investigate and update my credit file accordingly.

Charged Off Accounts in Dispute : No charged-off accounts listed for dispute in this case for Equifax.

Inquiries to Dispute : No inquiries listed for dispute in this case for Equifax. 

Late Payments to Dispute : XXXX Account : XXXX Dispute : The late payment listed for this account is incorrect. Please verify and correct the status. 

XXXX XXXX Account : XXXX Dispute : The late payment listed for this account is incorrect. Please verify and correct the status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing the following items on my credit report. Please review and correct these items to ensure they are accurately reported. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$940.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$65000.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$540.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$210.00} INQUIRIES : XXXX  Date Reported : XX/XX/XXXX LATE PAYMENT : XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: OH

Complaint narrative:
Since XX/XX/year>, my U.S. Bank XXXX XXXX card continues to be locked for suspected fraud, despite talking to their credit card department and client verification teams over 10 times in the past week. Every time I attempt to make a purchase, my card is locked and I have to call in and spend no less than 30 minutes waiting to talk to someone in their credit card department then I have to wait an additional 40 minutes to be transferred to their client verification department to be verified. There is no certain amount or merchant that will trigger it to be locked, and they refuse to give me the parameters even though I have never filed a fraud claim, or a lost/stolen card claim. I am unable to use the card that I have paid to use. Every single time they unlock the card and I attempt to use it again, the card becomes locked.

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 2025-11-03 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: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 non-monetary relief
Consumer complaint received 2025-11-03 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by SANTANDER ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/2019 with a balance of {$19000.00}, which is being reported as a charge-off. I have no knowledge or connection with this account and have never opened, authorized, or agreed to any credit account or loan with SANTANDER. The reporting of this account is false, unverified, and in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require all furnished information to be accurate, complete, and verifiable.

This inaccurate charge-off entry has severely damaged my credit profile and caused financial harm. SANTANDER has not provided any valid documentation, contract, or billing statement to prove that this alleged debt belongs to me.

Company response to consumer: Closed with explanation