vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX16 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2025 CASH APP FRAUDULENTLY TOOK OVER XXXXXXXX XXXX FROM MY CASH ACCOUNT XXXX transaction at XXXX XXXX for XXXX XXXX transaction at XXXX XXXX for XXXX XXXX transaction at XXXXXXXX XXXX for XXXX As soon as I noticed these XXXX transactions I contacted Cash app support immediately and filed a dispute towards these fraudulent transactions. 
As of XX/XX/2025, they responded by email " We reviewed your dispute with XXXX Atm for {$2.00}, and based on the information available to us, our investigation has led us to determine that this transaction was authorized by you, or someone you authorized to use your credentials, and no error occurred. As a result, your dispute has been denied. 
You can reach out to Support for the documents we relied on to make this determination at any time. 

After receiving this email I reached back out to customer support to obtain the documents and information on this company that shows evidence that I authorized this transaction. Also after speaking with MULTIPLE REPRESENTATIVES I was told I could appeal the decision within in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Winklevoss Exchange LLC
State: CA

Complaint narrative:
My XXXX  card is not allowing me to make purchases anywhere. All charges are declined. There is available spend limit. I have tried to call and send email to them and have no response. This card is critical for my bills and my only credit card. Its been days and no reply and not being able to use the card is incredibly concerning especially when so many automated payments tied to it. The issue has been happening for over a week without support. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They are re-aging the debt collection which violates FTC ( Federal Trade Commissions ) rules, I have disputes on XXXX XXXX that go back to XXXX, and the collection started in XXXX and technically should have fell off my credit report by now if they weren't illegally re-aging the debt. The other thing is the amount is not correct, which I disputed that. Honestly these companies are shady and have too much power and need to be put in check. They never supplied a debt verification letter to verify it, they send me text messages which I have them all save and I am sure is another violation, the debt collection agency in question is Portfolio Recovery, they have been in trouble for this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Dear XXXX, I am writing to dispute several items on my credit report that I believe are inaccurate. Below are the details of the disputed accounts, separated by credit bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-04 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: PA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-04 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
IDENTITY THEFT REPORT ACCOUNTS NOT MINE I am submitting this Identity Theft Report because several accounts appearing on my credit file were not opened by me, were not authorized by me, and are the direct result of identity theft. I did not open, co-sign for, or benefit from these accounts in any way. I am requesting an immediate investigation and removal of all fraudulent accounts and inquiries. 
I first became aware of the identity theft when reviewing my credit report and noticed multiple accounts and/or inquiries that do not belong to me. These accounts were opened without my permission, using my personal identifying information. I am declaring under penalty of perjury that the information I am providing is true and accurate to the best of my knowledge. 

I have not authorized anyone to use my identity, my Social Security number, or any other personal information. Any accounts or inquiries not expressly opened by me should be considered fraudulent. 
This Identity Theft Report is being submitted for the purpose of correcting my credit file and notifying all involved financial institutions and credit agencies of the unauthorized activity. 
Fraudulent Accounts XXXX American Express Opened XX/XX/XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Not mine XXXX Card Opened XX/XX/XXXX Not mine XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Not mine Fraudulent Accounts XXXX American Express Opened XX/XX/XXXX Not mine XXXX  / XXXX XXXX Opened XX/XX/XXXX Not mine XXXX XXXX  Opened XX/XX/XXXX Not mine XXXX  Accounts ( ALL fraudulent ) : XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX  Opened XX/XX/XXXX Not mine ( multiple entries ) Fraudulent Accounts XXXX ( All XXXX  accounts below are fraudulent ) XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX XXXX/ XXXX  Opened XX/XX/XXXX Not mine Fraudulent Accounts XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Not mine XXXX XXXX XXXX Opened XX/XX/XXXX Not mine XXXX XXXX XXXX Opened XX/XX/XXXX Not mine Fraudulent Accounts XXXX XXXX XXXX/ XXXX  Opened XX/XX/XXXX Not mine Unauthorized Hard Inquiries ( ALL must be removed ) ( List every creditor that pulled your credit without consent the FTC allows multiple unauthorized inquiries between XXXX. ) All hard inquiries from XXXX appearing on my credit report are unauthorized and must be removed. I did not apply for any new credit during this period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

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 2025-12-04 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: EdFinancial Services
State: CA

Complaint narrative:
ED Financial continues to ruin my credit report in all bureau report late payments on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint because Synchrony Bank has repeatedly denied my chargeback request of {$6700.00} despite extensive, compelling evidence, and has used demonstrably false reasoning to justify the denial. 

1. Failure to Properly Investigate ( Mischaracterization of Product ) : Synchronys denial claims the disputed purchases were for a non-monetary " rewards program '' and that they do not " interfere '' with such programs. This is factually incorrect and proves a failure to review the evidence I submitted : Proof of Monetary Value : I successfully made two prior cash redemptions totaling {$1600.00} using this service. The product was a sweepstakes system where purchased coins ( XXXX XXXX  ) were redeemable for cash, not a non-monetary rewards program. 

Merchant Deception : The merchant ( XXXX ) attempted to mislead Synchrony by submitting an updated Terms of Service that removed any mention of cash-redeemable XXXX XXXX. I provided the original terms and redemption history, which Synchrony has disregarded.

2. Proof of Services Not Rendered : The basis of the dispute is Services Not Rendered. 

The merchant failed to honor my redemption request for {$4900.00} submitted on XX/XX/year>. 

On XX/XX/year>, the merchant abruptly shut down, seized my total balance of {$10000.00}, and used a false legal excuse for the closure.

3. Irrelevance of Merchant Disappearance : Synchrony has stated that the merchant 's disappearance is irrelevant to the dispute outcome. This is illogical. The permanent disappearance of the merchant proves they can not and will not fulfill the core service ( cash redemption ), thus cementing the chargeback claim of " Services Not Rendered. ''

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 2025-12-04 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-12-04 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: TX

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
These accounts were not opened or authorized by me. Please review the details and remove them. Ive attached documentation to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

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 XXXX 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 2025-12-04 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: GA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected 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