vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
My father passed away, leaving a XXXX  account on the XXXX XXXX For XXXX months, Ive been emailing XXXX  without success. Ive provided all requested documents, including my drivers license, my fathers death certificate, and a court-issued small estate affidavit. Despite this, XXXX  has not responded substantively, sending vague emails requesting information about an account I dont have. Ive repeatedly asked for a phone call, but XXXX  states they do not offer phone support, and their email responses are confusing. Ive also requested a single point of contact and a case number, but they havent provided either. I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My CareCredit account through Synchrony Bank was paid in full several years ago and subsequently closed by the credit grantor. I have written confirmation via email from Synchrony Bank confirming the account was paid off. However, Synchrony Bank continues to incorrectly report a {$690.00} balance to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 
This false reporting is damaging my credit score and preventing me from obtaining credit. I have not used this account in years and paid it off completely. When I contacted Synchrony Bank directly to request they correct this error and report the accurate {$0.00} balance to the credit bureaus, they refused to make the correction despite having proof of payment. 
The account continues to show as closed with a {$690.00} balance on my credit reports. This is false information that violates the Fair Credit Reporting Act ( FCRA ) as they are knowingly reporting inaccurate information after being notified of the error. I am requesting that Synchrony Bank immediately correct their reporting to show a {$0.00} balance or remove the account entirely from my credit reports. 
I have documentation proving the account was paid in full and can provide this evidence if needed. This inaccurate reporting has been ongoing despite my attempts to resolve it directly with Synchrony Bank

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 2025-07-01 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased tickets to an event ( WhiskyX ) through the merchant XXXX for {$180.00} using my XXXX debit card. The event was originally scheduled for XX/XX/year>. I later had an emergency and reached out to the event organizer ( WhiskyX ) multiple times starting XX/XX/XXXX, but received no response. Their posted policy allows ticket transfers, so I also requested a transfer via XXXX. 

XXXX said they could not assist and referred me back to the unresponsive organizer. 

On XX/XX/year>, due to no response and no help from either party, I filed a dispute with SoFi for a refund. On XX/XX/XXXX, XXXX denied the dispute and said no error occurred. 

However, the merchant, XXXX, later confirmed that my tickets were canceled as a result of the dispute and that no refund was issued. I never attended the event. The merchant acknowledged they lost access to the funds because SoFi removed them, yet I never received any money back.

Ive since provided email evidence from the merchant showing they canceled the tickets and provided no refund. SoFi continues to claim no error occurred and refuses to escalate the claim, leaving me with no refund and no service. 

I am requesting your review and assistance in obtaining a refund. This is a clear case of failure to deliver paid services and mishandling of a billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have all violated my rights . 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 an 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 2025-07-01 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: CA

Complaint narrative:
As someone who takes my financial responsibility and credit profile very seriously, discovering inaccurate charge-off accounts on my credit reports is deeply frustrating and disheartening. The accounts in XXXX XXXX XXXX, account ending in XXXX, dated XX/XX/XXXX, with a balance of {$2100.00}, and XXXX, account ending in XXXX, dated XX/XX/XXXX, with a balance of $ XXXX showing as charge-offs in a manner that I believe is erroneous or unverifiable. 

These inaccurate charge-offs not only tarnish my creditworthiness but also cause emotional distress and anxiety. I have always strived to maintain a clean credit history and to resolve any discrepancies immediately when discovered. Yet seeing these derogatory notations on both my TransUnion and Experian credit files, without proper verification or substantiation, feels like a betrayal of my efforts and a blow to my financial reputation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to ensure that all information reported is complete, accurate, and verifiable. The continued presence of these charge-offs without appropriate documentation or proof from the original creditors is unacceptable. It unfairly misrepresents my credit history and jeopardizes my ability to secure housing, credit, and even employment opportunities.

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 2025-07-01 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:
I am reaching out to dispute a collection account that appears on my credit report. I believe this entry has been inaccurately associated with my identity. I have no recollection of this debt and was never contacted about it prior to its appearance on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX  have all violated my rights. 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.

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 2025-07-01 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX  have all violated my rights. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I traded in the vehicle association Santander in XX/XX/XXXX of 2022. The account was paid in full. However the account is still listed on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00}

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
In regard to the response to XXXX XXXX XXXX late payments XXXX and XXXX XXXX XXXX payments are in accurate and considered unlawful to be private under the codes 15 USC 1666b, and 15USC 1637 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the night of XX/XX/year>, at approximately XXXXXXXX XXXX, I deposited {$6400.00} in cash into a Chase ATM located at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX. Immediately after the deposit, the machine malfunctioned and couldn't process the deposit into my account as it should have, displaying an additional message stating that it couldn't accept any more deposits for the time being. A receipt came out of the ATM detailing certain identification information about the deposit and instructing me to call the Chase customer service number at XXXX in order to make sure the deposit went through to my account. I therefore contacted Chase customer service immediately and they opened a claim into the matter, and was told that an investigation would take up to 10 business days. However, on XX/XX/year>, a week after the ATM malfunctioned with my money inside and the claim was opened, I was alerted that the claim had been closed and there was no record of any deposit from their end. When I visited the Chase branch that same day, the staff, including a banker and the branch manager, assured me they would escalate the matter and launch a more thorough investigation, including reviewing security footage. They also assured me they would follow up with me, but despite their promises, I was never contacted directly again, and their second investigation was closed on XX/XX/year>, after just one day of investigating. The claims have now been closed twice with no reimbursement or explanation, while a new claim has since been opened by them but I keep receiving the same responses and with no progress being made. The branch manager at Chase has also assured me that security camera footage inside and surrounding the ATM would be looked at, but none of that has occcurred as part of their investigation. Also, the third-party vendors to whom the ATM belongs were apparently not able to find my deposit when they counted the money in the cassettes of the ATM, but they haven't checked in any other section of the machine where the money could possibly be stuck or lodged inside.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to dispute In accurate information on my consumer report multiple times but after several attempts, The inaccurate information remains on my report, which violating my FCRA 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 2025-07-01 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: PR

Complaint narrative:
Hello, I'm filing a complaint about an old account from XXXX XXXX ( account ending in XXXX ). I voluntarily surrendered the vehicle, and the account was charged off and closed back in 2019. Even though it's closed, they keep updating it every single month with a balance, making it look like there's new activity. This is seriously hurting my credit score and feels like a way to unfairly keep the account looking active. 
Under the FCRA, this kind of reporting is misleading and shouldn't be allowed. I'm asking that this account be removed completely from my credit report because it's inaccurate and harmful. 
Please help fix this.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I want to emphasize that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy as required by law. These reporting errors are causing ongoing and significant harm to both my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already challenging time.

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