vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App has locked my account and is withholding my funds without providing any lawful or reasonable explanation. Despite repeated requests, Cash App refuses to state why my account is restricted or what specific information they are asking from me. Their only response is that my concerns are documented, but this is meaningless without action. 

By withholding my money without explanation or due process, Cash App is acting in bad faith and violating basic consumer protection standards. Asking me to provide new information while refusing to tell me what the issue is makes it impossible to resolve the matter and appears to be an intentional delay tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
DEAR CREDENCE RESOURCE MNGMT ( Original Creditor XXXX XXXX XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original company you listed, and was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( if applicable, the contract I allegedly signed ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses which do not constitute lawful validation. Therefore, the account remains unverified.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had an active open Amazon Credit Card which was issued by synchrony. I had been using the card and paying it off monthly or paying large portion of the balance prior to due dates and then I went to use it after a few months and I had a message that there was an issue with my card and to contact Synchrony at a provided XXXX number I call and they tell me they closed the account due to high risk for payments, I understand that part of the original paperwork has info that they can or will check your check and if required action to your account can be taken, that isnt my problem while I disagree with the reason as the history for payments on the account were perfect and no minimum payments were made always more, my issue is they can email me 5 times a day about offers, send me text for promo but when it was time to tell me my account was being closed and basically denied months after application none of that happened, no notice prior, no notice after and no letter in the mail, I know working in the mortgage industry you don't leave the denial and reporting process to chance and only email out a denial due to the fact things happen so them telling me that is all that happened and prior experience with them emailing and sending XXXX mail tells me it didn't happen and that is a direct violation of the XXXX act. If this happens to me who else is it happening to? Are they going to correct and fix the issue? Change a process to ensure it doesnt happen again? Fix my problem and reinstate the card since they didn't follow XXXX  or even compensante me for the issue if they arent going to reinstate the card as I would guess the fine for this and other could get large very quickly if there is a glitch in the process and something in being missed in certain situations and they are in violation in lots and lots of cases of XXXX? When I talked to them it was as though no big deal and there wasnt anything the individual could do per what they said, that alone is a process and training issue if someone there thinks or is notified of a possible XXXX violation one would think they have a process or team that could check into it to ensure it is or isn't valid. Something is way off to me on this as supervisor telling me it was emailed only isn't standard operating process in my experience with Synchrony but I dont think the individual understood I know XXXX and have to taking XXXX for it annually and what he said if that happened at my company that call would have been flagged and looked into to ensure there wasn't an issue and I'm certain that isn't the case with Synchrony. I just dont want to see this happening to others as that isnt righ

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 2025-09-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I used my Citi Credit Card ( ending in XXXX ) to purchase services totaling {$2900.00} from TN University, and I was charged a 3 % service fee ( {$2900.00} 3 % ) in addition to the purchase amount. 

On XX/XX/year>2025, TN University refunded {$1500.00} due to overcharges. However, they did not refund the {$45.00} service fee ( {$1500.00} 3 % ) that was charged on the overcharged amount. 

I disputed this charge with Citi because I should not be responsible for paying service fees for services I never received. However, Citi failed to protect my legitimate consumer rights and closed my dispute, citing that the merchant was unwilling to issue the refund. 

I am submitting this complaint in the hope that my legitimate rights and interests will be properly protected.

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 2025-09-05 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: TX

Complaint narrative:
I have filed a claim ( dispute ) about SEVERAL UNAUTHORIZED TRANSACTIONS on the account from 3 different merchants : XXXX, XXXX and XXXX There were 3 claims filed for UNAUTHORIZED TRANSACTIONS from XXXX, and the bank APPROVED 1 and DENIED THE OTHERS : Amounts : 1- {$140.00} Approved 2- {$390.00} Denied 3- {$350.00} Denied For the XXXX Merchant, 2 claims in the Amount of : 1- {$1100.00} Approved 2- {$85.00} For XXXX Merchant, they were 2 claims : 1- {$60.00} Approved 2- {$490.00} Denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
A lot of my money have been goin missing from my checking and savings with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XXXX {$0.00} Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of XXXX XXXX  : Opened XX/XX/XXXX / Under Account Number XXXX For {$670.00}, XXXX XXXX : OpenedXXXX XXXX Under Account Number XXXX For {$1100.00}, and XXXX : Opened XX/XX/XXXX / Under Account Number XXXX For {$200.00}, XXXX XXXX  : Opened XXXX Under Account Number XXXX For {$0.00}, XXXX : Opened XXXX Under Account Number XXXX For {$550.00}, XXXX : Opened XXXX Under Account Number XXXX For {$0.00}, XXXX XXXX XXXX  XXXX : Opened XXXX Under Account Number XXXX For {$0.00}, XXXX : Opened XXXX Under Account Number XXXX For {$1300.00}, XXXX XXXX Opened XX/XX/XXXX Account Number XXXX XXXX  : For {$0.00} These accounts have resulted in several fraudulent hard inquiries, fraudulent collections as well as fraudulent addresses and name variations appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections, Incorrect Addresses and hard Inquiries are the result of Identity Theft and Fraud.

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 2025-09-05 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: MD

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 2025-09-05 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: TX

Complaint narrative:
Viking Client Services account # XXXX states that I allegedly owe a balance of {$810.00} related to a cracked windshield on a vehicle I rented from XXXX between XX/XX/year>2024 and XX/XX/year>2024. I clearly remember that no damage was caused when I returned the car to XXXX and the inspector let me go without telling me anything which is the sign that everything is good. 

To this date, I only received just repair invoice that means nothing and the damage could've been caused by anyone on the site or anywhere after I returned at XXXX XXXX  local time on XX/XX/year>2024 I have not received any documentation or evidence from XXXX that : 1 ) The windshield damage occurred during my rental period, 2 ) The inspection personnel opened a case with me that the windshield has been damaged and I signed the inspection report at XXXX XXXX  on XX/XX/year>2024 local time, not any minute past that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 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 am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which the furnishers confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional XXXX, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Two tradelines are being inaccurately reported on my TransUnion credit report : XXXX and XXXX XXXX XXXX XXXX. These accounts conflict and create the false impression of multiple derogatory accounts when only one obligation existed. 

XXXX shows the account closed in XX/XX/XXXX with a {$0.00} balance and remarks of paid in full/charge off, but its payment history skips from XXXX in XX/XX/XXXX directly to Repossession in XXXX XXXX, which is not accurate reporting. Although the detailed view lists an Original Charge-off of {$9500.00}, this figure does not appear consistently in the account summary, creating misleading and incomplete information. 

XXXX XXXX XXXX reports the same {$9500.00} balance as an open collection beginning in XX/XX/XXXX, naming XXXX as the original creditor. The different creditor identifiers ( XXXX vs. XXXX ), along with conflicting balances, dates, and statuses, make this reporting duplicative and misleading. 

Despite providing detailed evidence, TransUnion closed my disputes as verified without correcting the errors. This violates FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-05 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of a 30-day late payment in XX/XX/year>2025 on my auto loan with Hyundai Capital America . I respectfully request that this late payment be removed as a goodwill adjustment. To clarify, I do not recall ever being more than 30 days late. The payment in question was no more than 20 days past due and was the result of a mishap when switching payment cards. This was not an intentional delinquency, but rather a one-time oversight that I corrected immediately once I became aware of the issue. This isolated situation does not reflect my overall payment history or my commitment to maintaining this account in good standing. Unfortunately, this reporting is significantly harming my credit profile and is impacting important financial opportunities, including the ability to pursue homeownership.

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 2025-09-05 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: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to Experian regarding multiple inaccurate late-payment notations and incomplete payment-history data. Despite my dispute, Experian continues to report late payments that are unsupported by the payment history or otherwise unverifiable. 

Accounts at issue : XXXX XXXXXXXX XXXX Acct XXXX,2 Late payment reported despite No Data for Late Payment. 

DEPTEDXXXX Acct XXXX Late payment reported : XX/XX/XXXX. 

DEPTEDXXXX Acct XXXX Late payment reported : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Acct XXXX Late payment reported : XX/XX/XXXX. 

XXXX Acct XXXX Late payment reported : XX/XX/XXXX. 

XXXX XXXX Acct XXXX Late payment reported despite No Data for Late Payment. 

Why this is a problem : Under the FCRA, 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S.C. 1666b provides that late fees/late reporting are not permitted when proper billing/notice were not provided in the required timeframe.

The late-payment entries above are inaccurate, incomplete, and/or unverifiable.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
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