vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
There are currently XXXX charges I am disputing with this particular credit card and XXXX of the XXXX, this is the second time disputing them. They were originally disputed at the end of XX/XX/XXXX. I had disputed all XXXX in XX/XX/XXXX and received their decision this week in which they found no reason given to overturn. 

First charge was for XXXX for {$410.00}, which was originally charged on XX/XX/XXXX. This was paying for moving services. During the move, the movers were negligent and broke XXXX pieces of furniture. They offered to fix, but both were beyond repair. I asked the movers for the compensation for the broken pieces, to which I never received an answer. Attempts to followup were not answered. I disputed it through the credit card twice, also providing pictures of the broken furniture, to which Synchrony has advised there was no reason given to reverse the charges permanently. 

Second charge was for XXXX for {$110.00} on XX/XX/XXXX. I had rented a truck for a move and during the move, the truck had serious mechanical issues and was not able to run correctly. In addition, equipment which I had rented in advance was not available on the day of pickup, staff at the pickup location offered no solution. I had been in contact witXXXX XXXXXXXX XXXX who received the complaint but offered no refund or money back for the issue. I disputed this one twice and with no result. I provided the proof of the conversations I had with the XXXXXXXX XXXXt to Synchrony to no avail. 

Third charge was for the XXXX XXXXXXXX for {$110.00} on XX/XX/XXXX for poor service and fourth charge was for XXXX for {$21.00} on XX/XX/XXXX. 

I had submitted statements and documentation to support my claim. They advised me they were going to reverse the charges during the investigation, which they did not do.

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 2025-05-29 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:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Notice of Dispute Inaccurate Charge-Off Reporting for Capital One To Whom It May Concern, I am formally disputing the accuracy of an account being reported on my credit report by Capital One, listed under account number ending in XXXX * * * * * *. This account is currently reported as charged off with a balance of {$2900.00}. 

I believe the reporting of this account as a charge-off is inaccurate, incomplete, and misleading, and I am requesting that you conduct an investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Reason for Dispute : This account may have been securitizedsold to a trust or third party as part of a pooled asset-backed securitywhich would indicate Capital One no longer legally owns or holds the debt, making it improper for them to report it as a charge-off with an outstanding balance. 

According to the FCRA, all information reported must be complete and accurate. If the debt was sold or otherwise transferred through securitization, Capital One can not legally report it as an ongoing charge-off obligation. 

I am requesting that you : 1. Investigate the accuracy of this charge-off in light of securitization.

2. Request documentation from Capital One proving their legal right to continue reporting this account, including proof of ownership.

3. Delete or correct the entry if verification can not be provided. 

Please also update me with the results of your investigation in writing within 30 days as required by the FCRA. 

I have enclosed a copy of my ID and proof of address for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXXXXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$530.00} UNAUTHORIZED COLLECTION - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$700.00}

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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: TX

Complaint narrative:
I cashed in a check via Cashapp on Saturday XX/XX/year> for the amount of {$800.00}. It has extended past the deadline they gave me for when the funds will be available. I have contacted customer support only to be told they can not do anything about it even though the check was approved and that I will simply have to wait until they release my funds. All Im now getting is messages of them saying they will escalate the investigation but other than that their hands are tied. Just now on my final attempt at communicating with customer support I was told it might be better if I cash the check elsewhere after it has been approved via cashapp ; meaning Id have to ask my employer to issue another check which will take XXXX additional business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
Bill was paid monthly and large amounts were paid up front totaling over {$1000.00}. Bills can not be sent to collections while being paid. The original XXXX XXXX XXXX XXXX XXXX is still accepting payments while this sits on collection damaging my credit. Two of the three credit bureaus removed. But XXXX  refuses to remove the collection even though I can provide proof that I've paid XXXX  of dollars and make monthly payments continually. The violates my HIPAA rights

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 2025-05-29 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} Inquiries XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-05-29 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: FL

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} Inquiries XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate address information on my Experian credit report. My current and correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. However, my report incorrectly includes outdated or previous addresses that do not belong to me, specifically XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XX/XX/XXXX ) and XXXX XXXX Orange Blossom XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ). I request that these outdated addresses be removed immediately. Reporting such incorrect information violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. XXXX failure to correct these errors constitutes a violation of the Fair Credit Reporting Act. Willful non-compliance may result in statutory damages of {$1000.00} per violation. I request prompt removal of these inaccurate addresses to prevent further harm.

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 2025-05-29 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: AZ

Complaint narrative:
I was looking at my credit report and i saw XXXX accounts that was opened fraudulently. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-29 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-05-29 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: CA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I received notification from XXXX XXXX that an inquiry had been made on my Transunion credit report on XXXX XXXX, by an individual at XXXX XXXX XXXX. I was informed that my XXXX XXXX had decreased by XXXX points, as a result. I called XXXX XXXX and was given instructions to file a complaint. I did not make any inquiry for credit anywhere. I was instructed to contact Transunion, which I did. They filed a dispute, froze my credit report, and told me to contact FTC for a document, which I need to mail to Transunion XXXX XXXX. Thats what I am trying to do. I need this inquiry removed from my credit. Its fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
IT HAS BEEN PAST THE XXXX  DAY INVESTIGATION PERIOD IF INFORMATION CAN NOT BE VERIFIED WITHEN THIS TIME FRAME IT IS DEEMED UNVERIFIABLE AND SHALL BE REMOVED FROM MY RECORD REPORT IMMEDIATELY. XXXX  failed to respond to my dispute letter after XXXX  days of receiving. 
Under the Fair Credit Reporting Act FCRA, specifically 15 U.S.C. & 1681s-2, creditor has certain protocols upon receiving a notice of a dispute. THEY DID NOT REMOVE THE LATE PAYMENTS FROM CREDIT PROFILE & REPORT Here is the complaint number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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