vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-15 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: CA

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I wanted to pay the {$7000.00} deposit on a new apartment rental via XX/XX/XXXX. I am unable to send this amount to the landlord

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-15 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: GA

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
My complaint involves a purchase transaction on eBay using PayPal Credit XXXX, and their bank is Synchrony Bank that was fraudulent. 

I started a claim with eBay because I did not receive the product ordered, but when it was identified as fraudulent I notified PayPal Credit, and that triggered eBay to close my claim. After multiple attempts to reopen the case with eBay, I had no choice but continue with PayPal Credit. After XXXX attempts, each denied, I entered my statement of facts into an AI service, and got a XXXX page plan. Thanks to that report, I am writing this complaint against PayPal Credit. 

The report also identified Synchrony Bank as the entity I should have written a dispute letter claiming rights under XXXX. I have submitted that letter, but it has a XXXX limit and I have been working on this for more thanXX/XX/XXXX days because of the delays by PayPal Credit and eBay. So there's a good chance they will not investigate. 

At no time did PayPal Credit tell me I was talking to the wrong person or I should write to Synchrony Bank. Instead I have to use AI to find my rights. 

eBay seller did commit fraud, and eBay could have solved the case in a few hours by calling the carriers to confirm the tracking numbers did not match my order delivery address. But because of the outcome I am left with dealing with PayPal Credit and synchrony bank. 

I am XXXX, I shouldn't have to deal with this, but I'm not going to let these people get away with it.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I got an email on XX/XX/year> stating that Sofi bank was closing my account in XXXX weeks on XX/XX/year>. I have attempted contact to their support teams multiple times since then asking for a specific reason or someone to speak to directly about this and they have just given me the runaround. I called multiple times and tried their chat support in the last XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I was incarcerated from XXXX to XXXX. My information was stolen and sold. I did not authorize these accounts. XXXX v XXXX  XXXX XXXX XXXX and XXXX, XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
This is regarding unwanted and continual contact after being the company was told to cease and desist contact via text and continual intimidation tactics. 

On Wednesday XX/XX/XXXX at XXXX I received a text message from XXXX finance regarding a payment. I replied with a request to cease and desist contact via text. 

At XXXX that same day I received another text that is clearly monitored by a human and not just autogenerated. I again demanded a cease and desist via text. 

I received another text message on Saturday XX/XX/XXXX. I did not reply to this message. 

Today, XX/XX/XXXX, I received another text at XXXX. I did not reply. I received another text message at XXXX At XXXX I replied I have already told you not to contact me via text At XXXX they replied again via text that if you dont want text messages then have your payment ready At XXXX I advised them that I would be filing a formal complaint for violation of the cease and desist request. 

They then proceeded to send a series of smart mouth messages. The text messages came at XXXX, XXXX, XXXX, & XXXX. 

They continually violate contact laws and cease contact requests.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
I respectfully challenge the reporting of accounts not created by me. Kindly investigate in depth and remove them. Enclosures are attached 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 2025-10-15 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: UT

Complaint narrative:
I am submitting this formal complaint because my credit report with Experian contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations, outdated or unauthorized addresses, and inaccurate employer information. 
Upon reviewing my credit file, I noticed the following errors : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX XXXX. Please remove any incorrect, alternative, or misspelled variations. ( Proof attached : Copy of my Government-issued ID ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1904, XXXX, Utah XXXX XXXX I kindly request that any other address other than this one be removed to reflect the most accurate and updated information. ( Proof attached : Proof of Address ) Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. 
I am enclosing supporting documentation to facilitate your investigation and to expedite the necessary corrections : Copy of my Government-issued ID Copy of my Social Security Card Proof of my current address I kindly request written confirmation once these corrections have been made and an updated copy of my credit report reflecting the accurate information. 
Thank you very much for your prompt attention and cooperation in addressing this important matter. I appreciate your assistance and look forward to a timely resolution. 
Sincerely, 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 2025-10-15 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: CA

Complaint narrative:
I'm filing this report to support my dispute with the credit bureaus. I recently subscribed to a credit reporting website service just to check if my new address was already displayed on my credit report and also to check how high was my credit score. I was surprised to see that there are some addresses that don't belong to me, but it went from surprise to shock when I saw my score and it became worse when I notice several accounts that aren't mine but are showing there. I tried asking the bureaus about this and explained to them that I didn't open those accounts, and that some addresses and hard inquiries were also being registered under my name, but I never applied for them. Unfortunately they said that I had to dispute the accounts but I couldn't do it without reporting the identity theft to the corresponding department. Tragically, because of the government shutdown, the identity theft website isn't working so I tried asking away and even went online to search for an alternative, and plenty of people recommended the CFPB to help me with this while the government website works again ; they also sent me some dispute letters that are usually endorsed by the Federal Trade Comission, which I really hope to be useful for this. So I'd like to report that the bureaus are displaying the following fraudulent accounts under my name : credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also some charge cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX At least on the Experian report XXXX there are XXXX addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and lastly, there are XXXX inquiries that I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know what else I must write down here, but hopefully you can help me with this situation. I will attach personal documentation to identify myself in the hopes to better attach this stressful issue. I wasn't expecting my financial plans to go down the drain because of some petty thief. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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'm filing this report to support my dispute with the credit bureaus. I recently subscribed to a credit reporting website service just to check if my new address was already displayed on my credit report and also to check how high was my credit score. I was surprised to see that there are some addresses that don't belong to me, but it went from surprise to shock when I saw my score and it became worse when I notice several accounts that aren't mine but are showing there. I tried asking the bureaus about this and explained to them that I didn't open those accounts, and that some addresses and hard inquiries were also being registered under my name, but I never applied for them. Unfortunately they said that I had to dispute the accounts but I couldn't do it without reporting the identity theft to the corresponding department. Tragically, because of the government shutdown, the identity theft website isn't working so I tried asking away and even went online to search for an alternative, and plenty of people recommended the CFPB to help me with this while the government website works again ; they also sent me some dispute letters that are usually endorsed by the Federal Trade Comission, which I really hope to be useful for this. So I'd like to report that the bureaus are displaying the following fraudulent accounts under my name : credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also some charge cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX At least on the Experian report XXXX there are XXXX addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and lastly, there are XXXX inquiries that I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know what else I must write down here, but hopefully you can help me with this situation. I will attach personal documentation to identify myself in the hopes to better attach this stressful issue. I wasn't expecting my financial plans to go down the drain because of some petty thief. 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: OK

Complaint narrative:
This morning I received XXXX emails saying there was a login detected and a phone number was updated. Ive never made an account with chime before. The login info said it was near my location which baffles me so much because I did not register anything nor did I ever receive a welcome email as you usually do when you first make an account. The email stated my name and the last XXXX digits to the updated number was not mine. In addition to this confusion, there was an email saying the card was shipped to an old business address. Its not even my address its my moms old business address. I called to ask whats going on and the lady told me she couldnt find my account so therefore she wasnt able to do anything. After I pushed, she asked for my birthday and last XXXX of my social security number. Only then was she able to cancel the card and said any further emails from chime that I should ignore. I asked if she was able to tell me if the last XXXX digits of my ss was linked to the account so I know if my identity was stolen. She said no because she doesnt know if XXXX actually the person on the account. HOW DOES THIS MAKE ANY SENSE?! She told me she could let me know more information if I filed a former complaint and sent in proof of a government official ID through a protected link shed send me. Literally all the links I was sent from Chime dont work at all. Goes to an error page. After googling this incident, many many people on XXXX have had the exact same thing happen. Chime require a government issued ID to open the account. How in the world was someone able to make an account under my name and why in the world would it be with my actual email?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my XXXX dispute with the credit bureau in regards to this debt that does not belong to me. My latest dispute was on XX/XX/XXXX and in statements from the credit bureau it states that the company had 30 days to respond to my request. Well I am still waiting on corespondance from all XXXX credit bureaus. It was removed due to fraud in XXXX and yet 2 years afterward it reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my XXXX dispute with the credit bureau in regards to this debt that does not belong to me. My latest dispute was on XX/XX/XXXX and in statements from the credit bureau it states that the company had 30 days to respond to my request. Well I am still waiting on corespondance from all XXXX credit bureaus. It was removed due to fraud in XXXX and yet 2 years afterward it reappeared on my credit 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