vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I made a purchase from XXXX XXXX. I had an issue with the food and contacted XXXX XXXX  and spoke with them on chat. I spoke with an agent name XXXX who told me that she'd refund me {$10.00} of the original price. The original price was {$29.00}. They never refunded me the {$10.00} back. I requested to speak with a supervisor and she refused to put XXXX on. I contacted my card holder which is Cash app. I disputed the transaction and submitted evidence to show the merchant said she'd refund me {$10.00}. Cash app has denied my dispute even with evidence showing the merchant would refund a portion. The merchant nor my card holder is refunding my {$10.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : 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 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OR

Complaint narrative:
I am writing to file a dispute regarding several accounts that I have identified on my credit report. These accounts are inaccurately reported, and I am requesting that they be corrected or removed. Below are the details of the accounts I am disputing, separated by bureau : Charged Off 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 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 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 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 2025-12-23 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: NY

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding that EQUIFAX immediately block and permanently remove identity-theft information that was placed on my consumer credit report without my knowledge, consent, or authorization. I provided a complete and valid Identity Theft Report, including an FTC Identity Theft Affidavit, proof of identity, and supporting documentation, which establishes that the reporting at issue is the direct result of fraud and not any legitimate consumer-initiated transaction. My FTC affidavit identifies four fraudulent tradelines, including a XXXX XXXX credit card opened XX/XX/XXXX, a XXXX XXXX credit card opened XX/XX/XXXX, a XXXX XXXX  auto loan opened XX/XX/XXXX, and a XXXX XXXX XXXX insurance or collection account beginning XX/XX/XXXX. These identity-theft accounts caused the improper reporting of unauthorized hard inquiries, collections, late payments, and charge-offs, materially damaging my consumer credit profile. This submission constitutes a statutory identity-theft block request under 605B, not a routine dispute under 611, and I do not consent to reinvestigation, verification, or automated e-OSCAR processing, as such procedures are inapplicable once a valid Identity Theft Report has been received. Under federal law, a consumer reporting agency must block identity-theft information within four business days of receipt of proper documentation and is prohibited from continuing to publish, verify, or reinsert such information absent strict statutory conditions. Despite my compliance with all statutory requirements, EQUIFAX has continued to maintain or publish this identity-theft information, thereby failing to exercise reasonable procedures to ensure maximum possible accuracy as required by the FCRA. I am demanding immediate deletion of all listed identity-theft items, removal of all related inquiries and collection references, suppression of any downstream reporting or resale of this data, and written confirmation of compliance, including an updated credit report reflecting the deletions. I further request confirmation that this complaint has been escalated for manual compliance review and corrective action. Continued reporting or failure to timely block identity-theft information after receipt of a valid FTC report constitutes a continuing violation of 15 U.S.C. 1681c-2, subject to regulatory enforcement, civil liability, and all available consumer remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
This is affecting my life... I am writing to formally dispute the verification process used to validate the following account ( s ) on my credit report. According to Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the method and proof of verification used to determine the accuracy of this information. The account in question is as follows : This account is on Equifax, Experian, and Transunion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX {$590.00} balance XX/XX/year> I believe this account may have been verified inaccurately or without sufficient proof. As per my rights under the FCRA, I am requesting : 1. The name, title, and contact information of the person who verified the account. 2. The specific method used to verify the account. 3. Documentation supporting the verification decision. 4 ) Was I in-person at any point during the application and approval process? If your investigation can not produce sufficient proof to substantiate this account, I request that it be removed from my credit report immediately. Please consider this a formal request under Section 611 of the FCRA. I kindly ask for your response within the 30-day time frame as required by law. Failure to provide the requested proof or remove the inaccurate information will leave me no choice but to pursue legal action to ensure my rights are upheld. Attached to this letter are copies of my identification and supporting documents to facilitate your investigation. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX Enclosures : - Copy of government-issued ID - Utility Bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
This is affecting my life... I am writing to formally dispute the verification process used to validate the following account ( s ) on my credit report. According to Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the method and proof of verification used to determine the accuracy of this information. The account in question is as follows : This account is on Equifax, Experian, and Transunion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX {$590.00} balance XX/XX/year> I believe this account may have been verified inaccurately or without sufficient proof. As per my rights under the FCRA, I am requesting : 1. The name, title, and contact information of the person who verified the account. 2. The specific method used to verify the account. 3. Documentation supporting the verification decision. 4 ) Was I in-person at any point during the application and approval process? If your investigation can not produce sufficient proof to substantiate this account, I request that it be removed from my credit report immediately. Please consider this a formal request under Section 611 of the FCRA. I kindly ask for your response within the 30-day time frame as required by law. Failure to provide the requested proof or remove the inaccurate information will leave me no choice but to pursue legal action to ensure my rights are upheld. Attached to this letter are copies of my identification and supporting documents to facilitate your investigation. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX Enclosures : - Copy of government-issued ID - Utility Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PR

Complaint narrative:
am the named payee on a {$300.00} settlement check. The check was mailed to a prior address where I no longer reside. The current occupant of that address deposited the check into an account that does not belong to me, without my authorization. 

I have copies of the front and back of the check. The endorsement is not mine, and I did not authorize anyone to deposit or negotiate this check on my behalf. 

I contacted Citizens Bank multiple times requesting a fraud investigation and reimbursement. I was told that Citizens Bank could not assist because I am not a Citizens Bank customer. I was further advised to contact the individual who deposited the check and request the funds directly. 

Citizens Bank also stated that there is nothing they can do unless I appear in person at a physical branch. There are no Citizens Bank branches in XXXX XXXX, where I reside. 

I am not requesting access to another customers account or private information. I am requesting that Citizens Bank investigate and reimburse funds for a check payable to me that the bank accepted improperly. 

Citizens Banks refusal to investigate, its direction that I contact the depositor directly, and its requirement that I appear at a non-existent local branch constitute improper handling of a fraud claim and conversion of an instrument under UCC 3-420. I am requesting CFPB assistance to require the bank to open a fraud investigation and reimburse the {$290.00}. I do not have nor have I ever had an account with citizens bank. The address on the check for XXXX XXXX Should link the person who cashed it. 

Attachments : Front and back of the check

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: UT

Complaint narrative:
I am filing a formal complaint against XXXX. They picked up a debt from XXXX and am filing this regarding unauthorized and improper collection practices by XXXX. The account was sent to collection and is being actively collected by XXXX. Despite this, the original creditor has continued attempting to draft payments directly from my account. This conduct raises concerns under the Electronic Funds Transfer act 15 U.S.C. 1693e. Unfair and deceptive practices including confusion as to who has authority to collection. I am requesting immediate cessation of all bank drafts by the original creditor. Written confirmation of who current owns or services the debt and assurance that this will be removed from any credit reporting agencies. I ask the bureaus follow their due diligence and remove this account for misleading and inaccurate reporting by both the collection agency and original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing a formal complaint against XXXX. They picked up a debt from XXXX and am filing this regarding unauthorized and improper collection practices by XXXX. The account was sent to collection and is being actively collected by XXXX. Despite this, the original creditor has continued attempting to draft payments directly from my account. This conduct raises concerns under the Electronic Funds Transfer act 15 U.S.C. 1693e. Unfair and deceptive practices including confusion as to who has authority to collection. I am requesting immediate cessation of all bank drafts by the original creditor. Written confirmation of who current owns or services the debt and assurance that this will be removed from any credit reporting agencies. I ask the bureaus follow their due diligence and remove this account for misleading and inaccurate reporting by both the collection agency and original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
The merchant attempted to charge my card on XX/XX/year> ( proof attached ). At that time, the paid subscription was not scheduled to begin until XX/XX/year>. The attempted charge on XX/XX/XXXX was unsuccessful, and I proceeded with canceling the subscription the same day. 
I have not logged into or accessed my XXXX account since XX/XX/year> at approximately XXXXXXXX XXXX I received written confirmation from XXXX stating that my subscription was successfully canceled. 
On XX/XX/year>, the merchant sent a reactivation offer explicitly stating that they had noticed I canceled my plan. Proof of this communication is included. 
Despite these confirmations, a charge of {$810.00} was later processed on XX/XX/year> for an annual billing period beginning XX/XX/year>, which is after the cancellation date. This charge was not authorized. 
Despite submitting clear documentation confirming cancellation and post-cancellation billing, Synchrony Bank failed to reasonably review or consider the evidence provided. 

I contacted Synchrony Bank multiple times to confirm that all documentation had been received, was readable, and was sufficient for review. During these calls, I was consistently advised that the dispute was still under review. A manager confirmed that the documentation appeared sufficient, stated that my case looked strong, and advised that the dispute would be escalated for further review. 
However, the dispute was later denied citing lack of proof of cancellation, despite the fact that proof had already been submitted multiple times and confirmed with a manager XXXX. I was not proactively notified of the dispute resolution and only discovered the denial by checking my account status. 

The repeated requests for documentation already provided, the denial without acknowledgment of submitted evidence, and the reopening of additional disputes for the same transaction indicate that the dispute was not reviewed in a thorough or consistent manner, as required under the Fair Credit Billing Act. 

A XXXX dispute was opened by the manager XXXX on my behave, she has offered. But why XXXX disputes instead of XXXX on the same unauthorized charge?

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am writing to address a concerning issue regarding my account. On XX/XX/2025, a mobile deposit of {$500.00} was made to my account, reportedly from a XXXX cashier 's check. I did not initiate this deposit, nor have I ever used mobile deposit services for my account. Subsequently, my account was placed on a fraud hold, affecting not only the deposit amount but all funds in my account. I was unaware of this action until attempting to use my card and visiting a branch office. 

Upon inquiry, I was informed that notifications were sent via call and email, but I only located an email referencing the deposit made by " XXXX, '' which is unfamiliar to me. I request a thorough review and clarification of this matter, including documentation of the deposit and the decision to place a hold on all my funds. 

I am willing to cooperate fully to resolve this matter promptly but request immediate action to ensure access to the funds unrelated to the disputed deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
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 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