vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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:
After reviewing my credit report I have identify many inaccuracies. This has hindered my ability to obtain credit. Therefore I am requesting an investigation. 

Account Name : XXXX XXXX Account # : 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 2025-03-02 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:
THIS IS MY FIRST TIME FILING A CLAIM WITH TRANSUNION. I AM A VICTIM OF IDENTITY THEFT AND HAVE ATTACHED THE SUPPORTING DOCUMENTS TO BE FORWARDED TO TRANSUNION. FOR DETAILS PLEASE LOOK AT MY LETTERS.

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 2025-03-02 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: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. Upon reviewing my credit report, I have identified inaccurate or outdated information that needs to be corrected. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX and XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Incorrect Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX. However, my credit report contains incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since outdated addresses can cause identity verification issues and increase the risk of fraud, I formally request that they be removed and that my current address be updated accordingly. 
Enclosed Supporting Documentation : A copy of my driver 's license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes.

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.

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 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing a formal complaint against Synchrony Bank regarding the arbitrary and unjustified closure of my XXXX XXXXCar Care account. Synchrony Bank closed my account without adequate notice or explanation, citing a disputed mortgage payment reporting issue that has yet to be resolved to my satisfaction. 

I have been actively working to address this mortgage reporting dispute, yet Synchrony Bank unilaterally decided to close my account based on incomplete or inaccurate credit information. This decision was made without any effort to verify the legitimacy of the dispute or consider my long-standing history of responsible credit use. 

The negative consequences of this account closure are significant. By closing my account, Synchrony Bank has reduced my available credit and increased my credit utilization ratio, both of which have had a detrimental impact on my credit score. This action is unfair and has been taken despite my ongoing good-faith efforts to resolve the mortgage reporting issue. 

I have attempted to contact Synchrony Bank to request a detailed explanation and reconsideration of their decision, but I have not received a satisfactory response. Their lack of transparency and disregard for due process in this matter is concerning and warrants further scrutiny. 

Resolution Requested : I request the Arizona Attorney Generals Office to investigate this matter and take appropriate action to ensure Synchrony Bank : 1. Provides a clear and detailed explanation for the closure of my account.

2. Reconsiders their decision and reinstates my account if no justifiable reason exists for the closure.

3. Ensures that this closure does not misrepresent my creditworthiness to credit bureaus. 
XXXX. Reviews their policies regarding account closures related to unresolved credit disputes, ensuring that consumers are not unfairly penalized for disputes beyond their control. 

I believe Synchrony Banks actions may be indicative of broader unfair and deceptive practices that negatively impact Arizona consumers. I urge your office to investigate and take any necessary corrective actions. 

Thank you for your time and consideration. Please contact me if you require any additional information.

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 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report I have identify many inaccuracies. This has hindered my ability to obtain credit. Therefore I am requesting an investigation. 

Account Name : XXXX XXXX Account # : 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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX report states open account, past due placed for collection what was this account sold for this account is not accurate in balance clarity, XXXX, XXXXXXXX XXXX  are reporting false information this account was sold to a third party collector who pays pennies on a dollar making the amount false and fraudulently tying to collect on a higher amount enclosed is my request from you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: IL

Complaint narrative:
I have been a victim of identity theft and my information has also been involved in many data breaches. The company called XXXX XXXX financial is on my credit report as some type of XXXX XXXX for approximately XXXX dollars. I have never dealt with this company at all and have asked that they remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Account Opened in XX/XX/year>2025 with XXXX XXXX Hard Inquires 1. XXXX XXXX inquired on XX/XX/year>2025 2. XXXX XXXX XXXX inquired on XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account Opened in XX/XX/year>2025 with XXXX XXXX Hard Inquires 1. XXXX XXXX inquired on XX/XX/year>2025 2. XXXX XXXX XXXX inquired on XX/XX/year>2025 2025

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Between XXXX and XXXX, I experienced multiple instances of unauthorized withdrawals from my Cash App account, totaling over {$3000.00}. No one else had access to my account, yet funds were stolen on several occasions. 

When I discovered the fraudulent transactions, I was locked out of my account and had to contact Cash App support to regain access. Once I was able to log in again, I was informed that there was no way to recover my stolen funds. 

To resolve the issue, I was advised to order a new XXXX XXXX, assuming my old card was compromised. However, after replacing my card, the unauthorized withdrawals continued to occur, leading me to order yet another card. Despite taking all recommended security measures, my funds were repeatedly stolen. 

Each time I contacted Cash App support, I was met with dismissive responses and no meaningful resolution. They failed to investigate the fraudulent transactions, secure my account, or reimburse my stolen money. As a result, I had no choice but to close my account because of their lack of security and consumer protection. 

XXXX XXXX which issues Cash App cards, is also responsible for ensuring their security. Their failure to provide adequate fraud protection and reimbursement policies left me with significant financial losses. 

I am requesting a full refund of my stolen funds, a formal investigation into these security breaches, and confirmation that corrective actions are being taken to prevent similar incidents for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I FOUND OUT THAT SOMEONE HAS BEEN USING MY INFORMATION. 
I AM PROVIDING SUPPORTIVE DOCUMENTS TO BE SENT TO EQUIFAX SO THAT THEY CAN DO WHAT IS RIGHT AND REMOVE THE ACCOUNTS AND INQUIRIES THAT WERE PLACED ON MY CREDIT CARD BY SOMEONE WHO STOLE MY IDENTITY. PLEASE REFER TO ATTACHMENTS FOR DETAILED INFORMATION ON THE MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My data was breached. I ask you please follow 15 USC 1681

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 2025-03-02 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: FL

Complaint narrative:
There was a data breach and all my information was leaked. The FCRA Laws state all information must be deleted immediately you have 30 days to terminate all information on my credit report by 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 2025-03-02 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:
There was a data breach and all my information was leaked. The FCRA Laws state all information must be deleted immediately you have 30 days to terminate all information on my credit report by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX I request the sale amount from the third party debt collector XXXXXXXX XXXX XXXX it show the wrong amount on my credit report this is fraudulent reporting they buy for pennies on a dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  
I HAVE AN OUTSTANDING BALANCE OF XXXX  INTEREST RATE AT 0%. MATURITY DATE OF XXXX XXXX XXXX 

I'VE CONTACTED THE STATE ATTORNEY GENERAL FOR XXXX XXXX FRAUD DIVISION AND NOTHING EVER HAPPENED WITH THAT. PHH CONTINUES TO SEND ME MORTGAGE LETTERS SAYING THAT I OWE THIS AMOUNT. I'VE CALLED THEM AND THEY WANT MY SOCIAL SECURITY NUMBER FOR VERIFICATION AND I'M NOT WILLING TO DIVULGE THAT INFORMATION TO THEM AT THIS TIME. I'VE TALKED WITH MY CURRENT MORTGAGE COMPANY XXXX  WHO HOLDS MY VETERAN MORTGAGE LOAN AND THEY SAY THEY HAVE NO INFORMATION ABOUT A SECOND MORTGAGE.

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 2025-03-02 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I would like the following account to be removed 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 2025-03-02 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I would like the following account to be removed 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 2025-03-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are items on my credit report that is not mines and also not reporting correctly on my credit reporting

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 2025-03-02 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: DISCOVER BANK
State: OR

Complaint narrative:
I purchased an item for {$700.00}, which arrived completely broken. The seller refused to provide a refund or facilitate a return, despite multiple attempts on my part to resolve the matter. I initially attempted to dispute the charge through XXXX, but was unable to do so due to system limitations, forcing me to file a dispute with Discover, my financial institution. 

Discover initially credited my account but later reversed the credit, claiming that I needed proof that the seller agreed to issue a refund. This is an unreasonable standard, as the seller was clearly uncooperative, refused to acknowledge the damage, and did not follow standard refund procedures. I provided photographs, receipts, and email exchanges with the seller, yet Discover denied my dispute. 

Upon Discovers decision to close the case, I attempted to escalate the matter back to XXXX, but they informed me that since I had initially disputed the charge with my bank, they would not allow me to reopen a claim. I was also told that a XXXX hold had been placed on the disputed amount, preventing an immediate resolution. 

I am now left with no recourse, despite having followed all proper procedures. Both XXXX and Discover have provided contradictory information, failed to support me as a consumer, and allowed a fraudulent seller to keep my funds. 

I am requesting that XXXX and Discover be held accountable for their mishandling of this dispute and that I be refunded {$700.00} for the defective product I received.

Company response to consumer: Closed with explanation