vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Equifax did not investigate my dispute & is violating my rights with willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
In XX/XX/XXXX, a close friend of mine transferred {$1300.00} to my Venmo account in four transactions. I allowed him and his wife to temporarily use my Venmo debit card to withdraw those funds while they waited for their own Venmo card to arrive. Months later, I was notified that these transactions were disputed as unauthorized and chargebacks were approved by Synchrony Bank, the " senders '' financial institution. I was told by Venmo that Synchrony made the final decision to reverse the funds, which left me with a negative balance of {$1300.00}.

I am not a Synchrony customer, but I am now being held financially responsible for the outcome of a dispute I did not initiate. I submitted extensive evidence to Venmo proving that the transactions were authorized, including timestamped messages from the " sender '' and his wife confirming the transfers, withdrawal amounts, ATM usage, and conversations after the dispute where they acknowledged owing the money. Despite this, Synchrony approved the chargebacks and has not provided any explanation. 

On XX/XX/XXXX, I sent a certified letter to Synchrony Bank requesting that they reopen the case and provide a written explanation of how they reached their decision. On XX/XX/XXXX, XXXX tracking reported that the letter was forwarded to a different address in XXXX, FL based on internal forwarding instructions. As of today, I have not received any further response or my return receipt card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am submitting a formal dispute regarding my SYNCB/TJX COS account XXXX XXXX, opened on XX/XX/year>. While reviewing my credit reports, I noticed that this account is inconsistently reported across the major credit bureaus. Some credit bureaus are showing XXXX late payments, possibly XXXX or XXXX times, while others are showing no late payments at all. 

This conflicting information is concerning and has likely caused unnecessary damage to my credit profile. I have always made good faith efforts to maintain this account in good standing and have no clear recollection of receiving any delinquency notices or payment issues for this account. If the account is in fact current and paid as agreed ( as now reported ), it is unclear why XXXX or more bureaus continue to report derogatory payment history.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information such as Synchrony Bank are legally obligated to ensure that the information they report to consumer reporting agencies is complete and accurate. Inconsistent or contradictory reporting across bureaus indicates a failure to meet this requirement and can mislead other creditors and lenders reviewing my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I had a former room mate that used my credit info and person info to open accounts that are not mine. I want to remove these things from my credit report because they are not mine. Please do this dispute the right way, like the CFPB lawsuit says you have not been doing. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
While reviewing my credit report, I was extremely concerned to discover that Macys/CBNA reported XXXX, XXXX, and XXXX late payments on account ending in XXXX, covering the period from XX/XX/year> through XX/XX/year>. These entries are inaccurate and fail to reflect the exceptional circumstances I was facing at the time. Specifically, I was hospitalized for over XXXX months due to a XXXX XXXXXXXX-related complication and was unable to manage my financial affairs during this period. 

I do not recall receiving billing statements during those months, and its likely they were missed or misrouted while I was in the hospital. Additionally, my checking account may have been restricted due to fraudulent activity, which could have further disrupted payments. I had no intent to neglect my obligations and have otherwise maintained a responsible payment history with Macys/CBNA. 

Under Regulation Z of the Truth in Lending Act ( 12 CFR 1026.5 ( b ) ( 2 ) ), creditors are required to provide billing statements unless an account is charged off or deemed ineligibleneither of which applies here. Furthermore, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) requires data furnishers to report accurate and complete information. Reporting severe delinquencies under these circumstanceswithout taking into account the prolonged medical emergencymisrepresents my creditworthiness. 

I am submitting this as a formal dispute and request an immediate investigation into these 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 2025-05-17 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: MN

Complaint narrative:
Hi recently reviewed my credit report and noticed I have fraudulent accounts on my report. I do not know these accounts and did not authorize them. These accounts is hurting my ability to obtain credit, and I'm asking to investigate and delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are names XXXX  XXXX and XXXX XXXX XXXX on my credit report. This is incorrect. My name is XXXX XXXX XXXX XXXX. There are also addresses on my credit report that aren't associated with me. XXXX XXXX XXXX XXXX, oh XXXX. Also XXXX XXXX XXXX XXXX, oh XXXX. Please delete this incorrect information. I am not a XXXX I am the XXXX. 

My dads name is XXXX XXXX XXXX he passed on XX/XX/year> My grandfather 's name was XXXX XXXX. He is also deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have no knowledge of this opened auto loan and have requested several times for proof of signature made by me or any satisfactory documents provided by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I was denied housing based on a background check by First Advantage that included a dismissed eviction case. I provided court proof showing the case was dismissed with no judgment. Despite that, First Advantage and the landlord continued using this record to reject me. This is harming my ability to obtain housing unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I do not recognize this name and addresses on my report. Please remove. Thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was scammed yesterday on XX/XX/year> at XXXX. I got a call from my bank and was informed that someone had tried to charge my debit card in XXXX XXXX, Texas and tried to charge my card {$800.00} but it declined. They told me that they were going to transfer my call to another line to help me investigate and tell me what my next steps were. I then was transferred to the line and was on the phone with what they said was an FBI agent investigating the Navy Federal Banks, telling me that people in their locations who work there have been laundering money and scamming people out of their money. The person who spoke to me was a male who claimed their name was XXXX XXXX. He proceeded to then instruct to go to my bank and then withdraw {$12000.00} out of my savings as a way to see if the teller would be able to bypass a code or system of something. He had told me to not let the teller that he was on the line as he said they didnt want to let them know they were being investigated. I then went to my bank ( Navy Federal ) and withdrew {$12000.00} dollars. After this withdraw I was then instructed to go to XXXX XXXX to deposit my money into an account. I was able to deposit money there because he had given me the card information to then access the card through my XXXX XXXX  and then told me to delete the card, telling me that it was so they could send me the physical card within a couple of days. At this point I was then told another card information for a bank called XXXX and instructed to take the remaining {$2600.00} from my account and put it into my apple cash and then transfer it into that XXXX digital card on my wallet that he gave me. Again he told me to delete the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
My Friend and former room mate used my info to open accounts and loans without my permission. I did not open these accounts, the accounts I am disputing are not mine. Please remove these accounts from my credit right away, as they are not my accounts, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
My Friend and former room mate used my info to open accounts and loans without my permission. I did not open these accounts, the accounts I am disputing are not mine. Please remove these accounts from my credit right away, as they are not my accounts, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
XXXX XXXX and XXXX XXXX is unlicensed to collect debt in the sate of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
XXXX XXXX and XXXX XXXX is unlicensed to collect debt in the sate of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
We received promotional offer with 0 % interest for 12 months with XXXX  % transfer fee. Now did transferred balance for XXXX with XXXX  % transfer fee. 
Now from XX/XX/year> I saw interest charge on purchase. Stopped in XXXX at the branch and they said its regulation which never discover with clients. Yesterday same thing showed on statement and called XXXX XXXX  and talked to XXXX, after researching I received email about the charges noted as interest on purchase and branch cant do anything. After research everything, I found that the interest charged bank- fifth third charging XXXX % interest on XXXX  % balance transfer fee which make me think about to pay XXXX % interest on which bank charged for transfer which was promotional offer been charged XXXX  %. Now question it look like an open ripoff by fifth third bank to charge interest on the collection they have it from client with Zero percentage. I never heard about this from my any other bank. Please advise the bank which type of regulation they charged interest on collected fee which they said is purchase. How could you ripped off client under purchase with no purchase interest. Please let fifth third bank to stop charging my account and refund all interest they charged under interest on purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
So I had put a security freeze on my report last week and began disputing bad information found on my report. I attempted to use XXXX website to unfreeze my report because I needed to apply for a mortgage loan. The website gave an error and stated that I would have to contact customer support. I reached out first by text message. The customer Support was unable to help me via their text message Support system. I tried three different times providing all the necessary information they requested at each time. They continue to have trouble and were unable to unfreeze my report. 

After that, I contacted them via phone and after giving them pretty much every piece of information about me, including my address phone email Social Security number birthdate first name last name pretty much every piece of personally identify information that was needed. I was told I had to answer some security questions based on my credit report The questions that were asked were or contained information that didnt apply to me because it was based on fraudulent or or wrong information that was all my credit report probably information that I was disputing so it was no wonder that I got the questions wrong when I failed that verification. The customer support person told me that Id have to call back and go through the entire process all over again so now not only could I not use their website the text message part who did it work and the phone part did it work and I would have to go through it all again and hope that I could somehow make it through their verification process again when all Im trying to do is unfreeze my credit report so that I could apply for a loan for a house for me and my kids This entire situation these credit bureaus hold us hostage by our credit scores and at the information that they that they keep on us as XXXX  it is its like being hostage. We have no power and they they can do whatever they want and we are completely behold to them. 

I dont even know what the remedy would be. I dont even know what I would request. All I know is this whole situation is awful and its it. Im sure Im not the only person to ever have this problem. Trans Union is seems to be the worst to be out of the three I havent had any problems out of experience or XXXX  that Ive been able to freeze unfreeze my credit report just fine on those two, but for some reason, transit is just the most difficult I felt like I just had to come and make this complaint and dont really think anything is gon na happen out with it because the CFPB doesnt really do anything and they dont really have any power just pretty much waste of money so I dont know.

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