vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
In my first year of college, I was scammed by a work opportunity off the student hall bulletin board. I tried depositing a check I didn't know was fake into my account, and it bounced. I was with XXXX, and they closed my account. Then, I went in person and opened a new account with XXXX some months later when I had a job working fast food. I spoke to a banker who was super helpful, and I opened a new account. Within the week, my account was closed with no explanation, and I've been unable to open an account online. Every time I attempt to open an account online, I receive a message similar to the following : " We declined your application because your Early Warning deposit score is XXXX ( on a scale of XXXX ), which we consider to be a higher-risk score. '' This is extremely frustrating, as I already explained to XXXX that I got scammed. I was told an investigation would take place to no resolve or justice on my end. 

I do not have any history of fraud and was scammed. I am being unfairly punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
ON XX/XX/year> MY XXXX YR OLD DAUGHTER WAS TRYING TO SEND ME HER PRTION OF CAR INSURANCE VIA CASHAPP AS WE HAVE ALWAYS DONE. IN THE DESCRIPTION SHE PUT " XXXX '' SHORT FOR INSURANCE AND IT AUTOCORRECTED TO " XXXX ''. CASHAPP HELD THE {$110.00} AND FROZE HER ACCT. THEY SENT AN EMAIL ASKING FOR AN EXPLANATION OF WHAT OCCURED ON XX/XX/year>. WE REPLIED TO THE EMAIL STATING WHAT HAPPENED AND WAS SENT AN EMAIL BACK STATING THAT THIS WOULD BE REVIEWED IN THE NEXT 5 DAYS. AFTER 5 DAYS HER ACCT WAS STILL FROZE AND THE MONEY IS STILL BEING HELD BY CASHAPP. I CALLED AND THEY TOOK A COMPLAINT, COMPLAINT # XXXX, AND THEY STATED THEY WOULD HAVE SOMEONE CONTACT ME. I WAS SENT AN EMAIL ASKING FOR MINE AND MY DAUGHTERS CASHAPP INFO. I REPLIED WITH THE INFO AND THEY REPLIED BACK STATING THAT SOMEONE ELSE WOULD NEED TO CONTACT ME. I HAVE SENT SEVERAL FOLLOW-UP EMAILS AS NO ONE HAS CONTACTED ME SINCE. I CALLED CASHAPP SEVERAL TIMES AND THEY STATE THERE IS NOTHING THEY CAN DO THAT IT IS UP TO A DIFFERENT DEPT. I ASKED FOR THAT DEPT CONTACT INFO, THEY SAID THERE ISN ; T ANY CONTACT INFO THAT EVERYTHING IS DONE VIA EMAIL. I MADE A XXXX COMPLAINT XX/XX/year> AND STILL NO ONE HAS CONTACTED ME. NOT SURE WHAT TO DO AT THIS POINT. WE WOULD JUST LIKE THE {$110.00} AVAILABLE TO PUT BACK IN HER BANK ACCT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report your company publishes and reviewing it found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date tht you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Ac, 15 U.S.C. 1681 g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that your are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documents in yours files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these in inaccurate and unverified items on my credit report and distributing them to third parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account Account # Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Please also remove all non-account holding inquiries over 30 days old. 

Thank You ; 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Formal Complaint for Unauthorized Credit Inquiries Demand for Wet Signature Validation Under Federal Law To Whom It May Concern, I am filing this formal complaint regarding multiple unauthorized and potentially fraudulent hard inquiries listed on my credit reports by the following entities : XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Pursuant to 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), any party requesting a consumer report must have a permissible purpose, and such requests must be authorized by the consumer. Additionally, verification of authorization requires documented proof of my wet ( handwritten ) signature consenting to each of these inquiries. 

To date, I have not provided written authorization for these inquiries, nor have I received any validation or proof of my signed consent. Therefore, I demand the following : Immediate production and submission of original documents bearing my wet signature authorizing each of the inquiries listed above. 

If such documentation can not be provided, I demand the immediate deletion of these unauthorized inquiries from all credit reporting agencies where they appear. 

Written confirmation that these inquiries have been removed or verified with proper documentation. 

Failure to comply with these requests constitutes a willful violation of the FCRA and may result in legal action, including claims for damages and formal complaints to the Federal Trade Commission and other regulatory bodies. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. 

Thank you for your immediate attention to this serious matter. 

Sincerely,

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 2025-06-05 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: NJ

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 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 2025-06-05 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: PA

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 2025-06-05 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-06-05 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX -  Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened 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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZED THESE ACCOUNTS, AND THEREFORE REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY CREDIT FILES. THESE TWO ACCOUNTS ARE SYNCHRONY BANK/JC PENNEY XXXX ACCOUNT NO ENDING : XXXX ) AND SYNCHRONY BANK/TXJ ( ACCOUNT NO ENDING : XXXX ) ARE FRAUDULENTLY OPENED.

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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have received several transactions to my PayPal account for {$0.00}. I do not know the senders of these transactions. When I reached out to PayPal, I was given insufficient advice on how to handle these transactions, and the transactions were treated as " normal. '' Currently, PayPal is closing down hundreds of accounts per day and blaming the recipients of these transactions for unauthorized activity. I also had electronic communication rescinded from a chat conversation that I had with PayPal regarding these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TX

Complaint narrative:
I closed my secured credit card account with First Progress on XX/XX/XXXX after paying off the {$500.00} that I initially deposited. I accidently made a duplicate payment to the card and paid {$100.00} extra after paying off the {$500.00} as well. I was told that I would receive all of my money back ( the amount that I paid off on the card ) after paying it off and closing the account. I was told that I would receive my refund via check in the mail. However, after countless phone calls requesting a tracking number, the check to be re-sent, and attempts at faxing a formal request for a wire transfer ( which I was told to do by a customer service representative ) to their fax number, the fax never went through, and the customer service representatives continued to say the same thing ( that the check had been sent ). The situation was never elevated to someone who could solve the issue and I never received my {$600.00} refund after closing the secured credit card account. I was told the check was mailed out XX/XX/XXXX. It is XX/XX/XXXX and I have never received my {$600.00} refund from the First Progress credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

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 2025-06-05 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: AZ

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed 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 Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXXI 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 2025-06-05 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: AZ

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed 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 Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXXI 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 non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-05 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: NC

Complaint narrative:
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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This account is paid off and has not been removed from my credit report per the company saying they would do so. This is hurting my credit negatively and impacting my ability to make advances in securing a home. Under 15 USC 1681 S 2 A creditors must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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