vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is in reference to the Synchrony Home credit card product. I have a deferred interest promotional plan expiring on XX/XX/year>, it is my understanding that Federal Law dictates that any payments made within 60 days of an expiring promotional plan need to be fully applied to the expiring deferred interest plan. In my case this has not happened. I attempted to rectify this issue with the business through online chat on XX/XX/year>, the long chat session was useless. I attempted to explain that the payment made on XX/XX/year> for {$220.00} was not fully applied to the above mentioned deferred interest plan. The only reassurance provided was that it would be fixed on the back end within 1-2 billing cycles. Obviously, this would work against me as I would end up being charged deferred interest. I asked to be escalated to an Account Manager, was transferred to XXXX XXXX, she did not know how to instantly fix the payment allocation. She casually advised that the fix would happen within 1-2 billing cycles. 

I need reassurance that any future payments made between now and XX/XX/year> will be fully applied to the expiring deferred interest plan as they should be. Also, that the most recent payment will be correctly allocated fully to the expiring deferred interest plan.

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 2025-03-17 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I sent a wire transfer of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX  to US bank. This was supposed to go to XXXX store and I was given instructions by XXXX the account number and routing number. they claim the money was never received. I tried calling US bank and they refused XXXX talk with me due to the fact I didnt have an account with them. XXXX sais that I should get a certificate from my bank to prove this fund as sent, but my bank will not provide this to me. someone has this XXXX of mine and I just can not get an answer and this has become a nightmare which started XXXX. I am desperate and in need of help and have no where to turn. I have the wire transfer information with the account number and routing number.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX, AZ XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
National credit systems Inc. has my information they have my Social Security number and it states that I have a rental debt. I never lived at that address nor that I signed a contract with them to rent a property or apartment from them please delete this off of my credit, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts & Late Payment Reporting FCRA Violations Dear EQUIFAX, EXPERIAN & TRANSUNION I am formally disputing the accuracy of certain accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). The accounts listed below contain incorrect or unverifiable information. You are required to ensure the maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ). If you can not verify these accounts with complete, detailed evidence, you must delete them from my credit report.

I am requesting the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ), a debt validation under 15 U.S.C. 1692g, and a full, complete, and detailed description of the investigation conducted, including : The name and contact information of each party you spoke to. 
Time and date of communication. 
Documents reviewed to verify the accuracy of these accounts. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect late payment ( s ) recorded. 
I have never been late on this account. 
I demand an update to Paid as Agreed and removal of the late payments unless you provide proof of lateness, the method of verification, and specific details of your investigation. 

FCRA Violations & Legal Demand If you fail to provide a complete, detailed response with supporting documentation, I will : File a FTC REPORT.

Pursue litigation under FCRA 15 U.S.C. 1681n & 1681o, seeking {$1000.00} per violation plus actual and punitive damages.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of these accounts, you must delete them from my credit report immediately. 

Please send me a written response within 30 days of receiving this dispute, confirming the results of your investigation. Failure to comply will result in further legal action. 

Sincerely, XXXX 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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts & Late Payment Reporting FCRA Violations Dear EQUIFAX, EXPERIAN & TRANSUNION I am formally disputing the accuracy of certain accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). The accounts listed below contain incorrect or unverifiable information. You are required to ensure the maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ). If you can not verify these accounts with complete, detailed evidence, you must delete them from my credit report.

I am requesting the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ), a debt validation under 15 U.S.C. 1692g, and a full, complete, and detailed description of the investigation conducted, including : The name and contact information of each party you spoke to. 
Time and date of communication. 
Documents reviewed to verify the accuracy of these accounts. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect late payment ( s ) recorded. 
I have never been late on this account. 
I demand an update to Paid as Agreed and removal of the late payments unless you provide proof of lateness, the method of verification, and specific details of your investigation. 

FCRA Violations & Legal Demand If you fail to provide a complete, detailed response with supporting documentation, I will : File a FTC REPORT.

Pursue litigation under FCRA 15 U.S.C. 1681n & 1681o, seeking {$1000.00} per violation plus actual and punitive damages.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of these accounts, you must delete them from my credit report immediately. 

Please send me a written response within 30 days of receiving this dispute, confirming the results of your investigation. Failure to comply will result in further legal action. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts & Late Payment Reporting FCRA Violations Dear EQUIFAX, EXPERIAN & TRANSUNION I am formally disputing the accuracy of certain accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). The accounts listed below contain incorrect or unverifiable information. You are required to ensure the maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ). If you can not verify these accounts with complete, detailed evidence, you must delete them from my credit report.

I am requesting the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ), a debt validation under 15 U.S.C. 1692g, and a full, complete, and detailed description of the investigation conducted, including : The name and contact information of each party you spoke to. 
Time and date of communication. 
Documents reviewed to verify the accuracy of these accounts. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect late payment ( s ) recorded. 
I have never been late on this account. 
I demand an update to Paid as Agreed and removal of the late payments unless you provide proof of lateness, the method of verification, and specific details of your investigation. 

FCRA Violations & Legal Demand If you fail to provide a complete, detailed response with supporting documentation, I will : File a FTC REPORT.

Pursue litigation under FCRA 15 U.S.C. 1681n & 1681o, seeking {$1000.00} per violation plus actual and punitive damages.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of these accounts, you must delete them from my credit report immediately. 

Please send me a written response within 30 days of receiving this dispute, confirming the results of your investigation. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
EQUIFAX is violating my rights by refusing to remove fraudulent information a fraudulent closed account from XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) from my credit report, despite my cease and desist request and submitted FTC report. This noncompliance is a direct violation of 15 U.S. Code 1681s-2 and 15 U.S. Code 1681c-2, and I demand immediate action to rectify this issue. I have no knowledge of this account. Per 15 U.S. Code 1681s-2 ( a ) ( 8 ) & 1681c-2, I request an immediate cease and desist of any reporting and the prompt removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
SOURCE RECEIVABLES MANAGEMENT , LLC is refusing to pay the required arbitration fees, violating the terms of the arbitration agreement with the original creditor. This refusal undermines the dispute resolution process outlined in the agreement and has caused unnecessary delays and emotional distress.The agreement explicitly requires that disputes be resolved through arbitration. SOURCE RECEIVABLES MANAGEMENT , LLC refusal to pay the arbitration fees has effectively blocked the process from moving forward, making it impossible to resolve the dispute as outlined in the contract.SOURCE RECEIVABLES MANAGEMENT, LLC actions have caused significant emotional distress, as I am unable to have the matter resolved through the arbitration process as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am requesting full deletion of the bellow accounts from my Equifax credit reports due to multiple Metro 2 and FCRA violations, including duplicate reporting, incorrect dates, and failure to verify.

I am submitting this complaint against Equifax for continuing to report three inaccurate and non-compliant collection accounts on my credit report, despite multiple requests for removal under the Fair Credit Reporting Act and Metro 2 reporting standards.

Equifax has failed to investigate these accounts properly or provide proof of Metro 2 compliance. These accounts are reporting inaccuracies, and they are contributing to ongoing financial harm and undue harassment from collection agencies. 


XXXX XXXX XXXX Account Number : ends in XXXX Balance : {$1200.00} XXXX  : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : ends in XXXX Balance : {$1100.00} XXXX  : XX/XX/XXXX Date Reported : XX/XX/XXXX Duplicate XXXX XXXX XXXX XXXX XXXX XXXX Account Number : ends in XXXX Balance : {$1100.00} DOFD : XXXX XXXX, XXXX Date Reported : XX/XX/XXXX Duplicate account with conflicting dates. 


These accounts contain Metro 2 compliance violations ( including duplicate reporting, conflicting XXXX, and unverifiable data ) and have been the subject of repeated disputes directly with Equifax, which have gone unresolved. 


I am requesting that the CFPB require Equifax to remove these accounts from my credit file due to non-compliance and reporting inaccuracies. 

Cease further reporting of duplicate and erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$18000.00} XXXX  - XXXX - XX/XX/XXXX - {$20000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX  - XXXX - XX/XX/XXXX - {$22.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$260.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$60000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, I purchased a vacation package from XXXX XXXX XXXX XXXX XXXX XXXX ) over the phone for {$190.00} using my Chase credit card ( account ending in XXXX ). 

Misrepresentation During the Sale : During the sales call, I specifically asked if the package was refundable, and the XXXX sales representative explicitly confirmed that it was fully refundable. Based on this assurance, I agreed to purchase the package. 

Attempt to Use the Package & Refund Request : Due to work commitments and lack of vacation time, I was unable to schedule a stay. When I later contacted XXXX to request a refund, I was shocked to learn that the package was nonrefundabledirectly contradicting the information I was given during the sales call. 

I immediately contacted XXXX customer service multiple times, requesting them to review the call recording, as I was clearly misled at the time of purchase. XXXX refused my refund request and did not acknowledge the sales misrepresentation. 

Chase Dispute & Denial : After XXXX denied my refund, I filed a dispute with Chase, citing services not as described due to the misrepresentation of the refund policy. However, Chase denied my dispute solely on the basis that the transaction had exceeded their XXXX dispute window, without considering the deceptive sales tactics involved. 

Why This is a Consumer Protection Issue : XXXX engaged in deceptive sales practices by providing false information about the refundability of the package. 
Chase refused to investigate the dispute fairly and denied my claim based on a technicality ( time frame ) rather than the merits of the dispute. 
XXXX is holding my funds under false pretenses, and Chase is failing to protect me from a fraudulent transaction. 

Requested Resolution : XXXX. XXXX should issue a full refund for the vacation package, as their sales agent misrepresented the terms during the sale. 
XXXX. Chase should reconsider my dispute under a Goodwill or Exception Review, since this case involves deceptive business practices rather than a simple billing error. 
XXXX. The CFPB should investigate XXXX  sales tactics to prevent them from misleading other consumers in the future. 

I trusted XXXX  representation and later found that their assurances were false. I also expected Chase to protect me from fraudulent misrepresentation, but they failed to do so. I hope CFPB can intervene and help resolve this matter fairly.

Company response to consumer: Closed with explanation