vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank is the issuer of several store cards. They issue credit with lures of XXXX interest for limited time etc. Once you get the card pay on time above minimum payments. They will misuse your credit report to reevaluate your score based on their criteria. With perfect credit and XXXX late pays they look at the debt ratio and balances, then unknown to you, begin reducing your credit limit or even closing accounts. This causes your debt utilization to sky rocket, lowering your beacon score. Read reviews on XXXX. Once they lower your beacon score, they continue using it against you. This is extremely predatory to good paying consumers, who have abide by their credit agreement with synchrony. How can they continue ruining your credit and then penalizing with higher rates and reductions on credit lines. Or close an account as soon as you pay it off? They reduce your limit with each payment. I would understand if you were late, missed payments etc. This is not the case. They use their own scoring system and continuously check your credit in order to raise interest rates, or close good standing accounts.

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 2025-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been going through Identity theft since the year XXXX. Recently my personal information has been leaked in multiple data breaches including Equifax ( engagement number XXXX ), Experian, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not permitted you to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for review or collection.

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 2025-04-12 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:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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 am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I settled my Apple Card ( managed by Goldman Sachs ) account for {$1400.00} on XX/XX/year>. Prior to the payment, I received written confirmation from Apple Card that the account would be updated on my credit report to reflect a {$0.00} balance and be reported as either Settled or Paid for less than full balance. 

Despite this agreement, the credit bureaus are reporting the account as Paid Charge Off and listing a {$3300.00} charge-off amount. This is inaccurate and misleading. I honored the settlement terms in full and am simply requesting that the credit reporting match the agreement made in writing by the creditor. 

I have attached the written confirmation from Apple Card support as proof. Ive attempted disputes directly with the credit bureaus, but XXXX is not currently allowing me to file. I am now requesting CFPB assistance to ensure Goldman Sachs updates the account reporting appropriately on all credit reports.

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

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing to follow up and formally reiterate my request for the removal of the items I previously disputed on my report. Although I submitted this request several months ago and provided all required documentation and supporting information, the items in question remain on my account. I would appreciate an explanation as to why this issue has yet to be resolved.

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 2025-04-12 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: OR

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I used Zelle XXXX XXXX  and XXXX and was supposed to get money and never got what I was promised I also had money tooken out account when it was hacked last month and they sent money through zellle and use my credit on XXXX and stole {$3500.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Cryptocurrency fraud, I was fooled to share the seed phrase of XXXX app, then they moved so my funds possibly using a thirds party app because I don't see any transaction where or when my funds were mined and now crypto wallet/ account is empty. 
Text from : XXXX ( XXXX ) XXXX ; XXXX ( XXXX ) XXXX ; Call from : XXXX ( XXXX ) XXXX

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

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 explanation
Consumer complaint received 2025-04-12 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: NC

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 2025-04-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint against Experian for inaccurate credit reporting, delays in processing my dispute letters, and potential violations of the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ). On XX/XX/XXXXXXXX XXXX XXXX  I sent Experian a detailed letter outlining errors in my credit report, but their response has been inadequate or delayed, impacting my financial opportunities. 

Inaccurate Information : My credit report contains errors across multiple accounts, including : XXXX ( Charge Account, closed ) : Incorrectly shows a {$900.00} balance despite being closed due to inactivity, with a Current payment status that conflicts with closure. 
XXXX ( Credit Card, closed ) : Falsely reports a Late 120 Days status despite a {$0.00} balance and closure in XX/XX/XXXX. 
DPT EDXXXX ( XXXX XXXX, open ) : Lists a {$75000.00} balance with a Late 90 Days status and {$870.00} past due, which I dispute as inconsistent with my payment history ( last payment XX/XX/XXXX ). 
XXXX XXXX XXXX XXXXXXXX Agencies ) : Reports a {$2900.00} balance with no payment status or terms, lacking evidence and disputed as 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 2025-04-12 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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

Complaint narrative:
15 U. S code 1681B ( 2 ) all negative items on my credit. If they can't provide proof with my signature giving permission to have these negative items report them they must delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
15 U. S code 1681B ( 2 ) all negative items on my credit. If they can't provide proof with my signature giving permission to have these negative items report them they must delete 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 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
On XXXX XXXX XXXX i made an order with XXXX XXXX XXXX for the amount of XXXX using the loan from the company klarna. The order number from XXXX is XXXX. I received XXXX of the items which was a dress and returned it i got my refund for that dress from XXXX XXXX XXXX. How ever there was a ring which was cancelled by XXXX XXXX XXXX i received an email from them stating it is out of stock so they never sent me the ring. I have opened disputes with klarna about my refund and they are saying that XXXX XXXX XXXX has the funds and that is why they cant close my loan. When i call XXXX XXXX XXXX they say they never charged any money for the ring. I have been fighting this issue for a month now and my first installment to be paid on XX/XX/XXXX to klarna but i will not be paying for aomething i have proof that i never received. I dont know which company is lying but i am letting you know before this afffects my credit that i am being fooled and played with by one or both of these companies. I will give you all the emails sent from both companies and the proof i have i never received this ring and hopefully this nightmare can end.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I filed a dispute with all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding a XXXX  day late payment being reported on an auto loan from XXXX XXXX for XX/XX/scrub> 2023. 

The bureaus responded by verifying the information without addressing clear inconsistencies visible in their own reports. Specifically, the payment history shows that payments were made in both XXXX and XXXX, which contradicts the presence of a XXXX day delinquency. 

Even though I did not submit additional proof with my dispute, under the FCRA ( Section XXXX ), the credit bureaus are required to conduct a reasonable investigation, not simply confirm what the furnisher reports. Instead, they sent me a XXXX verification letter repeating the same result, without reviewing the obvious internal discrepancies. 

This failure to properly investigate violates my rights under the FCRA, and I request that this account be thoroughly reviewed and corrected or removed as required by law..

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

Complaint narrative:
I filed a dispute with all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding a XXXX  day late payment being reported on an auto loan from XXXX XXXX for XX/XX/scrub> 2023. 

The bureaus responded by verifying the information without addressing clear inconsistencies visible in their own reports. Specifically, the payment history shows that payments were made in both XXXX and XXXX, which contradicts the presence of a XXXX day delinquency. 

Even though I did not submit additional proof with my dispute, under the FCRA ( Section XXXX ), the credit bureaus are required to conduct a reasonable investigation, not simply confirm what the furnisher reports. Instead, they sent me a XXXX verification letter repeating the same result, without reviewing the obvious internal discrepancies. 

This failure to properly investigate violates my rights under the FCRA, and I request that this account be thoroughly reviewed and corrected or removed as required by law..

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