vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
Consumer Financial Protection Bureau Complaint Equifax Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Failure to Properly Investigate Dispute Equifax I am filing this complaint against Equifax for failing to properly investigate a dispute regarding an account I do not recognize or claim ownership of. I previously disputed this account with all three credit bureaus. Both XXXX and XXXX have removed the account from my credit report after their investigations. However, Equifax continues to report the account and has failed to provide sufficient evidence of its accuracy or my ownership. 

Despite submitting a formal dispute and supporting documentation, Equifax has not conducted a reasonable investigation in accordance with the Fair Credit Reporting Act ( FCRA ). I believe my rights under the FCRA have been violated, and I am requesting that the Consumer Financial Protection Bureau step in to ensure a proper investigation is completed. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was sent a promotional offer in the mail that says 0 % APR Balance Transfers Enjoy 0 % APR for the first 12 billing cycles on balance transfers made within your accounts first 60 days Earn 10 % Cash Back on All Purchases for the first 60 days on your account 0 % Intro APR Pay no interest on purchases for the first 12 billing cycles. Minimum payments required. 

The above promotion was sent both as an offer before opening the account and was also sent again when receiving my card. I was not given the 0 % APR Balance Transfer offer. I contacted MySynchrony Mastercard and was told it was not a promotion offered with my card.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide '' Certified Mail '' with receipt displaying my signature. If not, please delete Account XXXX XXXXXXXX as soon possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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  DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DPT EDXXXX # XXXX DPT EDXXXXXXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXXXXXX DPT EDXXXX # XXXX DPT EDXXXXXXXX XXXX XXXXXXXX DPT EDXXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX EXP XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQ REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP! XXXX! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

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 2025-05-12 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: TX

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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  DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DPT EDXXXX # XXXX DPT EDXXXXXXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXXXXXX DPT EDXXXX # XXXX DPT EDXXXXXXXX XXXX XXXXXXXX DPT EDXXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX EXP XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQ REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP! XXXX! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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.

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 2025-05-12 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: NY

Complaint narrative:
I am writing EQUIFAX to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. 
According to XXXX U.S.C XXXX ( XXXX ) XXXX U.S.C XXXX ( a ) ( XXXX ) XXXX XXXX I am requesting a description of the procedures that was used to determine the accuracy and completeness of the information I've disputed. Additionally, a full breakdown of the steps taken by your agency and detailed explanation of how this information was approved. 
Documentation-showing how this information was originally verified by your bureau. 
Confirmation-of whether the furnisher ( creditor ) provided adequate proof to support their reporting. ie : names, addresses, and phone numbers of any furnisher that was contacted regarding my dispute. In the event you fail to respond to this request altogether, the disputed data must be deleted. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
For the last year I've borrowed money with Chime. Initially, they started out charging {$2.00} per loan. So, if I borrowed {$300.00}, I'd pay {$300.00}. All of a sudden they began breaking down {$300.00} into loans of {$20.00} increments. So, they'd offer {$20.00} loans at {$2.00} per loan until it reaches {$300.00}. Instead of making {$2.00} on a {$300.00} loan, they now make {$30.00} on a {$300.00} loans. It's unfair. I'm a XXXXXXXX XXXX. It seems likes they target certain groups of people as well. It's not right. At the end of the month I have to pay {$30.00} for a totaled {$300.00} loan instead of {$2.00}. It's a way to steal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IA

Complaint narrative:
I submitted a dispute to Discover over a month ago regarding a charge on my account that I believe is invalid. Despite repeated attempts to follow up, I have received no resolution or meaningful updates from Discover. This disputed charge continues to be reported to the credit bureaus, and as a result, my credit score has dropped significantly. 

I have attempted to contact Discovers customer service multiple times, but I have not received adequate support or clarification on the timeline for resolution. The delay is unacceptable and is actively causing harm to my creditworthiness and financial well-being. 

I am requesting that the CFPB intervene and ensure that Discover : Responds to my dispute immediately Temporarily removes or suppresses the negative credit reporting during the investigation Provides a written explanation and resolution timelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-12 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: IL

Complaint narrative:
My Information was exposed in a Data Breach and Equifax, Experian and Transunion they failed to notify me of this Breach and My personal information may have been Compromised because there are thing on these reports that are not related to me I have been getting phone calls and letters address to me about Account that i have not Opened or have not applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
My Information was exposed in a Data Breach and Equifax, Experian and Transunion they failed to notify me of this Breach and My personal information may have been Compromised because there are thing on these reports that are not related to me I have been getting phone calls and letters address to me about Account that i have not Opened or have not applied to.

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 2025-05-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 
The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 
In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Items 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

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 2025-05-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 
The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 
In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Items 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

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024, I submitted formal disputes to all three bureaus concerning numerous negative items on my credit report that appeared to be inaccurate or potentially fraudulent. Despite my good-faith efforts and multiple requests for validation and documentation, the bureaus failed to respond appropriately, either parroting unverifiable data or claiming the accounts were verified without producing any legal proof. 

Additionally, some of these accounts were allegedly charged off or sold, yet I received no notice, and the reporting across the bureaus is inconsistent, which directly violates 1681e ( b ) s requirement for maximum possible accuracy.

Further, I have not been presented with a single piece of documentation validating their right to report or collect these debtsincluding any contract bearing my signature, a full itemization of the alleged debt, or legally binding assignments.

I believe my consumer rights under the FCRA have been willfully and negligently violated, qualifying me to pursue damages under 15 U.S.C. 1681n and 1681o. The agencies have continued reporting accounts they do not own or verify, and in doing so have engaged in what I believe amounts to identity theft and unauthorized use of personal information

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 2025-05-12 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: GA

Complaint narrative:
On XX/XX/2024, I submitted formal disputes to all three bureaus concerning numerous negative items on my credit report that appeared to be inaccurate or potentially fraudulent. Despite my good-faith efforts and multiple requests for validation and documentation, the bureaus failed to respond appropriately, either parroting unverifiable data or claiming the accounts were verified without producing any legal proof. 

Additionally, some of these accounts were allegedly charged off or sold, yet I received no notice, and the reporting across the bureaus is inconsistent, which directly violates 1681e ( b ) s requirement for maximum possible accuracy.

Further, I have not been presented with a single piece of documentation validating their right to report or collect these debtsincluding any contract bearing my signature, a full itemization of the alleged debt, or legally binding assignments.

I believe my consumer rights under the FCRA have been willfully and negligently violated, qualifying me to pursue damages under 15 U.S.C. 1681n and 1681o. The agencies have continued reporting accounts they do not own or verify, and in doing so have engaged in what I believe amounts to identity theft and unauthorized use of personal information

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation