vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting false and inconsistent information across XXXX, Equifax, and XXXX, violating the Fair Credit Reporting Act ( FCRA ). 

1. Inconsistent & False Credit Reporting XXXX XXXX is reporting different balances, payment statuses, and account details to each credit bureau, which is inaccurate and damaging. 
These discrepancies have caused my credit score to drop by over XXXX XXXX preventing me from securing housing, financial opportunities, and essential services. 
Their failure to provide accurate and consistent data has directly harmed my financial well-being. 

2. Unauthorized Fees & Account Lockout XXXX XXXX locked me out of my account, preventing me from making payments and forcing me into delinquency. 
They demanded I pay over the phone but refused online payments or other methods, which is unfair and deceptive. 
They added over {$360.00} in fraudulent late fees, pushing my balance beyond my credit limit. 
They refused to issue a replacement card after my wallet was stolen, causing further financial hardship. 

3. Fair Credit Reporting Act ( FCRA ) Violations Compensation Request XXXX XXXX has violated the FCRA multiple times by failing to provide accurate reporting, refusing to investigate disputes, and engaging in unfair financial practices. 
I am requesting {$1000.00} per violation, as allowed under the Fair Credit Reporting Act, due to financial harm, credit damage, and emotional distress. 
I demand : 1. An immediate CFPB investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Full removal of all false credit reporting from XXXX, Equifax, and XXXX. 
3. A refund of all unauthorized fees and over-limit charges. 
4. Compensation of {$1000.00} per violation for financial, emotional, and housing-related damages. 

XXXX XXXX  deceptive actions have caused extreme hardship for me and my XXXXXXXX XXXX, and I demand an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting false and inconsistent information across XXXX, XXXX, and TransUnion, violating the Fair Credit Reporting Act ( FCRA ). 

1. Inconsistent & XXXX XXXX XXXX XXXX XXXX is reporting different balances, payment statuses, and account details to each credit bureau, which is inaccurate and damaging. 
These discrepancies have caused my credit score to drop by over XXXXXXXX XXXX, preventing me from securing housing, financial opportunities, and essential services. 
Their failure to provide accurate and consistent data has directly harmed my financial well-being. 

2. Unauthorized Fees & Account Lockout XXXX XXXX locked me out of my account, preventing me from making payments and forcing me into delinquency. 
They demanded I pay over the phone but refused online payments or other methods, which is unfair and deceptive. 
They added over {$360.00} in fraudulent late fees, pushing my balance beyond my credit limit. 
They refused to issue a replacement card after my wallet was stolen, causing further financial hardship. 

3. Fair Credit Reporting Act ( FCRA ) Violations Compensation Request XXXX XXXX has violated the FCRA multiple times by failing to provide accurate reporting, refusing to investigate disputes, and engaging in unfair financial practices. 
I am requesting {$1000.00} per violation, as allowed under the Fair Credit Reporting Act, due to financial harm, credit damage, and emotional distress. 
I demand : 1. An immediate CFPB investigation into XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
2. Full removal of all false credit reporting from XXXX, XXXX, and TransUnion. 
3. A refund of all unauthorized fees and over-limit charges. 
4. Compensation of {$1000.00} per violation for financial, emotional, and housing-related damages. 

XXXXXXXX XXXX deceptive actions have caused extreme hardship for me and my XXXX XXXX, and I demand an immediate resolution.

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 2025-03-05 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: LA

Complaint narrative:
I have tried to communicate to the credit bureau that they are misreporting very important infomation on my credit reports. I have contacted all three and they have all failed to conduct a reasonable investigation. I have contacted them numerous times and I also contacted the creditors. They don't seem to respond in a timely manner either and light needs to be shed on their incompetence to handle these issues.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Requested debt validation letters from Spring Oaks Capital LLC and XXXX XXXX XXXX none was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Identity Theft and Failure to Update Credit Report Information Dear Consumer Financial Protection Bureau, I am filing this complaint to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite multiple attempts to correct inaccuracies on my credit report resulting from identity theft, the credit reporting agencies and data furnishers have failed to take appropriate action. 

Background of Complaint I have been a victim of identity theft and data breaches, which have resulted in fraudulent accounts appearing on my credit report. Additionally, I have been unable to access my credit profile at various times, further supporting my claim of unauthorized activity. The following breaches contributed to the compromise of my personal information : The Equifax data breach ( XXXX ) The XXXX data breach ( XXXX ) The Experian data breach ( XXXX ) Issues and Violations The credit bureaus and data furnishers have engaged in the following violations : Failure to Update Personal Information : My full legal name should be listed as XXXX XXXX only. 

My current and only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All outdated addresses should be removed as I no longer have access to them. 

All phone numbers should be deleted from my report. 

My Social Security number and date of birth should not be publicly displayed on my credit file. 

Employer information should be removed as it is outdated and irrelevant. 

Failure to Block Fraudulent Information ( XXXX XXXX. XXXX ) : Despite providing a valid identity theft report and police report, fraudulent accounts and inquiries remain on my credit report. 

Failure to Provide Method of Verification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : The credit bureaus have refused to disclose how disputed accounts were verified, violating federal law. 

Failure to Safeguard Personal Data ( XXXX XXXX. XXXX ( g ) ) : My personal information has been mishandled, leading to identity theft and unauthorized credit activity. 

Failure to Ensure Accuracy of Reported Information ( XXXX XXXX. XXXX ) : Data furnishers have continued to report inaccurate and fraudulent accounts despite multiple disputes.

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 2025-03-05 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Identity Theft and Failure to Update Credit Report Information Dear Consumer Financial Protection Bureau, I am filing this complaint to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite multiple attempts to correct inaccuracies on my credit report resulting from identity theft, the credit reporting agencies and data furnishers have failed to take appropriate action. 

Background of Complaint I have been a victim of identity theft and data breaches, which have resulted in fraudulent accounts appearing on my credit report. Additionally, I have been unable to access my credit profile at various times, further supporting my claim of unauthorized activity. The following breaches contributed to the compromise of my personal information : The Equifax data breach ( XXXX ) The XXXX data breach ( XXXX ) The Experian data breach ( XXXX ) Issues and Violations The credit bureaus and data furnishers have engaged in the following violations : Failure to Update Personal Information : My full legal name should be listed as XXXX XXXX only. 

My current and only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All outdated addresses should be removed as I no longer have access to them. 

All phone numbers should be deleted from my report. 

My Social Security number and date of birth should not be publicly displayed on my credit file. 

Employer information should be removed as it is outdated and irrelevant. 

Failure to Block Fraudulent Information ( XXXX XXXX. XXXX ) : Despite providing a valid identity theft report and police report, fraudulent accounts and inquiries remain on my credit report. 

Failure to Provide Method of Verification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : The credit bureaus have refused to disclose how disputed accounts were verified, violating federal law. 

Failure to Safeguard Personal Data ( XXXX XXXX. XXXX ( g ) ) : My personal information has been mishandled, leading to identity theft and unauthorized credit activity. 

Failure to Ensure Accuracy of Reported Information ( XXXX XXXX. XXXX ) : Data furnishers have continued to report inaccurate and fraudulent accounts despite multiple disputes.

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 2025-03-05 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: CA

Complaint narrative:
Some personal details on my profile are incorrect. I request a review of all documents that hold my correct 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: OH

Complaint narrative:
This account was opened on XX/XX/XXXX and reported on XX/XX/XXXX in the amount of {$140.00}. The account is listed as a charge-off and it has been in dispute for almost a year with no results. I have stated I have been a victim of identity theft, and there is also a statement on all 3 bureaus to this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXX************** Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXX************** Balance Owed : {$5700.00}

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 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have tried paying for my loan, and every month have had problems. They will only accept my personal card, sometimes. Each month this happens. Each month they charge late fees. Each month my credit drops. 
Every time I call the company i spend hours on hold, with my XXXX while they make false promises of " fixing '' the system, " retrying '' my cards, and it never works. Each month they add late fees. And the process repeats. 
I have asked to send a check, pay with cash, anything, but no, they only accept a debt card. The problem is I only HAVE debt cards. And they wont accept them. So, theres no way to pay for this loan. Its a scam. 

I have contacted my bank aboutthis, they say everything is good on their end, and they have investigated. They have told me its the companies fault and the company needs to fix the problem. 

I am so scared and do not know what to do. I have tried everything. The company is a scam. 

I guess I should have asked for call records, but I have not had to do anything like this before. The company has said and told me multiple times they are putting in investigations into my account for the reason why the payment is failing, they've told me they are putting a hold on the payment until they resolve the problem, which they never did, and they have told me they will make a record of the issue on my account, so there should be a record on their end. 

WHEN I ASKED FOR MY LOAN NUMBER THEY SAID THEY DONT GIVE THAT INFO OUT. so the number listed is thre only thing i could find.

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 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion CorpXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
inaccurate and outdated information, incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 proce 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 2025-03-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation