vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year>, I received a text stating I was past due on a Synchrony Belk credit card account. I called the phone number in the text and spoke to a Synchrony Bank representative. I explained I cancelled my account after paying my XX/XX/year> statement in full ; however, I agreed to pay for a purchase if fees and interest are removed. Synchrony opened an investigation for fraud, sending me a form dated XX/XX/year>. I completed the 4-page form stating I will pay for the purchase if fees and interest are removed. I also said I did not authorize a new Synchrony account. I called Synchrony in late XXXX XXXX to ask about the status of the situation. The representative said I will receive a new statement for the purchase amount minus fees and interest. Last week, I received another credit, which I did not request, and a statement with additional fees and interest.

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 monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: AK

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime for a {$320.00} charge made to XXXX XXXX. I had booked the hotel specifically for my daughters birthday party. Unfortunately, when we arrived, the conditions were unsanitary and unacceptable. The hotel pool was closed off and unusable due to health and safety issues, and we were not allowed to take photos of the area. 

My sister, who was with me, contacted the local health board and filed a formal complaint, which was accepted and investigated. We were not able to proceed with our planned birthday celebration due to these issues. 

I disputed the charge through Chime because the services were not as described or reasonably expected. Despite explaining the situation, Chime denied the dispute, stating no billing error occurred. However, the hotel did not provide the services I paid for, and we suffered financial and emotional harm as a result. 

I am asking the CFPB to review this case and assist in recovering my funds. I am happy to provide the original denial letter and details of the health board complaint if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX, Experian a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year> ], I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX, Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, Experian they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-04-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-04-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tel : ( XXXX ) XXXX XXXX : XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX  XXXX RE : Formal Dispute Request for Immediate Deletion of Inaccurate Collection Account Creditor : XXXX XXXX XXXX Account # : XXXX | Amount : {$930.00} To Whom It May Concern, I am writing to formally dispute the validity and accuracy of a collection account being reported on my credit report by XXXX XXXX XXXX ( Account # XXXX ) in the amount of {$930.00}. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I request that Experian initiate an immediate reinvestigation of this account and delete it entirely unless XXXX XXXX XXXX can provide full and complete legal validation. This includes : A copy of the original signed contract or agreement, Proof of the full chain of assignment from the original creditor, A detailed breakdown of the balance reported, and Evidence that they have the legal authority to report this account to the credit bureaus. 

This is not the first time this debt is questioned. In a previous dispute, I submitted documentation and received no adequate verification in return. Therefore, continued reporting of this account without proper validation constitutes a violation of FCRA 1681e ( b ), 1681i, and FDCPA 1692e ( false representation of a debt ). 

If this account can not be fully verified with legally acceptable documentation within 30 days, as required by law, it must be immediately deleted from my Experian credit file. Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider seeking legal remedies under FCRA 1681n and 1681o, which include statutory damages, attorneys fees, and other relief. 

Please confirm in writing the outcome of your reinvestigation and send me an updated copy of my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My compliant is about some credit inquiries I see on my credit report that I did not authorize. They include an inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, Citi Cards CBNA on XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX. I have called both XXXX and XXXX to report these unauthorized credit inquiries and they have not done anything about it, until today when a XXXX customer representative told me to make a complaint to the FTC. 

As at the times when I was calling them to report these inquiries, the inquiry from XXXX XXXX never showed on my credit report, until today, XX/XX/XXXX. It is surprising because this inquiry was said to have occurred on XX/XX/XXXX, when I did not have a social security number and was not already in the United States.

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 2025-04-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-04-06 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: DISCOVER BANK
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX, Social Security XXXX, Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX. Account XXXX XXXX date : XX/XX/year>. XXXX XXXX XXXX, XXXX. Account XXXX, XXXX XXXX XXXX XXXX, XXXX. I do not recognize the aforementioned account as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.The aforementioned account, is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information reported by third-party debt collectors on my credit file with all three major credit reporting agencies Equifax, Experian, and TransUnion. 



I have submitted multiple disputes in the past concerning inaccurate and unverifiable accounts being reported by third-party collection agencies. Despite these repeated complaints, the credit bureaus have either failed to respond in a timely manner or have simply verified the inaccuracies without providing evidence of proper investigation or validation of the debt. 



The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information found to be inaccurate or unverifiable. Yet, I continue to see negative entries on my report that are either outdated, unverified, or outright inaccurate. 



Additionally, the sluggish and inconsistent responses Ive received show a lack of diligence and compliance with the 30-day window mandated by the FCRA. This ongoing negligence is harming my credit profile and causing me financial and emotional distress. 



I am requesting that the CFPB : 1. Investigate the repeated failures of the credit bureaus to respond to my disputes within the appropriate timeframe.

2. Require all three bureaus to provide full documentation verifying the accuracy and ownership of the disputed accounts.

3. Remove any information that can not be 100 % verified from my credit file.

4. Address the pattern of behavior where credit bureaus rely on third-party debt collectors without demanding proper documentation or proof of validity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX I used XXXX to make a purchase. Still to this day I have not received my product. I opened a dispute with XXXX and was told they would investigate the issue. 
I was sent a tracking number from the seller, and it would not track. That was why I opened a dispute. I was then sent another tracking number after I had contacted XXXX, and this showed that it was shipped and sent to XXXX XXXX No name on the tracking no address on the tracking just XXXX XXXX Because the seller sent a tracking number to XXXX, they deemed that I had received the product, and I was responsible for paying the cost. Still, I had not. We went back and forth and on XXXX I was given a credit on my XXXX account . 
I had been in touch with the USPS to check on the tracking numbers and was told they are false. I had uploaded them to XXXX on XXXX and by XXXX they charged me back for the purchase. I have no idea what is going on here. I went back to my account on the seller 's website to check if any thig had changed and now, they have a XXXX tracking number. I tried to run the number and found it was not long enough for their system. I have copies from the USPS on my computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 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: IN

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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My creditor has an inaccuracies on my account for late payments. After calling the creditor, they have no knowledge of my account like it never existed. Due to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Im asking for an immediate removal of the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Reporting a non validated debt to my credit file. Cavalry Portfolio sent me a supposed validation but it was just copies of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MPOWER Financing, Public Benefit Corporation
State: PA

Complaint narrative:
I saw an inquiry from Mpower Financing on my credit report today XX/XX/XXXX, which I did not authorize. The inquiry date was XX/XX/XXXX ; a time I did not have a social security number and was not already in the United States.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation