vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

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 2025-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/XXXX credit card authorized by Bank of America for XXXX dollar limit. Credit bureaus currently have a freeze that I authorized in 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 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Cornerstone Residential Lending Solutions, Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding repeated and unacceptable financial practices by three companies : XXXX XXXX, Crimson, and XXXX. 

XXXX. XXXX XXXX has multiple times declined my valid payment card without any valid reason, despite sufficient balance and verified credentials. In addition, every time the card is declined, the funds are still temporarily frozen or held on my bank account, which causes cash flow issues and personal financial harm. Customer support refuses to resolve the matter adequately and blames my bank, while my bank confirms that the issue lies on the merchants side. 

2. Crimson ( prepaid card provider connected to XXXX earnings ) has withheld my funds for over 12 days, with no resolution or timeline. These are earnings I am entitled to for completed deliveries, yet I can not access or transfer them. I have contacted their customer support multiple times with no response or help. 

XXXX. XXXX, as the platform responsible for managing payouts, has failed to investigate the issue or take accountability. My earnings are stuck between XXXX and Crimson, and no party takes ownership or provides a refund or explanation. This is financial negligence and emotional distress caused by delayed payments and lack of transparency.

What resolution I seek : Immediate unfreezing and release of all held funds by Crimson and XXXX An official explanation from XXXX XXXX about their declining behavior and improper holds on customer funds Financial compensation for stress, inconvenience, and funds withheld

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX came to my residence on XX/XX/XXXX for an A/C system check. He indicated that I needed a new XXXX unit. The repair person immediately jumped into selling the unit and I asked the cost. He said they could install tomorrow. I approved the installation and before I knew it he said I could finance interest free for 6 months. I wasn't sure I wanted to do that but I authorized the initial application. He told me I could cancel if I wanted and gave me the phone no. for XXXX XXXX. I decided to pay for it in full and cancel the loan. I made NUMEROUS calls to Service Finance but could NOT reach a live person. On Monday I called XXXX XXXX and they processed my payment and said they would notify XXXX XXXX of the cancelled loan. I continued to get information from XXXX XXXX regarding the loan. Finally I got through by posing as a XXXX. She put me through to file a formal complaint. I received email correspondence from a XXXX XXXX that said he was looking into my complaint and to contact him with questions. I have made several attempts by phone and email and no response after weeks. XXXX XXXX sent me confirmation that they initiated a cancellation and that it was paid in full. The loan is still active and now is on my credit report. I can't get anyone to respond.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I don't know this company. I have ask to properly verify debt according to texas laws. If this is a collection agency I am requesting thr name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Now on XX/XX/year> Citibank , N.A . send me a letter to my current address on XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
Attached copy of a letter dated XX/XX/year> directed to my name XXXX XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. 
Another letter dated XX/XX/year> directed to XXXX XXXX and the same address in XXXX, AZ. 
Letters dated XX/XX/XXXX, and the final letter on XX/XX/year> directed to XXXX XXXX with my current address on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are assuming that I received the letters sent to my name in XXXX, AZ. 
I never received a letter from that address, since I already disputed it, I never live in that address and at that city and state. If they would send the letter to my true address in FL, I would know that someone used my name to get a credit card. They claimed that I transferred money to a valid account at XXXX, which I never had any account with them. All these are false and due to the Identity theft, yet they persist saying that I am responsible of the account with them. The last letter said they will not respond to inquiries regarding this matter. I will consult an attorney to take legal action.

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 2025-06-23 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) as a verified XXXX  of XXXX  XXXX, unauthorized personal data usage, and inaccurate credit reporting. 

On XX/XX/year>, I submitted dispute letters to Equifax addressing multiple violations including : - Fraudulently reported or factually inaccurate accounts - Improper status updates and re-aging of debt - Inaccurate personal identifiers ( name, address, employer ) - Hard inquiries that I did not authorize - Failure to notify or validate debt under the FDCPA My dispute packets included all required documentation as outlined under FCRA 605B, including : - FTC Identity Theft Report - Government-issued ID - Proof of address - Highlighted disputed information These actions ( or inactions ) by the credit bureaus violate multiple statutory obligations, including : - FCRA 605B : Failure to block identity theft-related data within 4 business days - FCRA 611 : Failure to conduct a reasonable investigation and delete unverifiable data within 30 days - FCRA 602 ( a ) : Failure to ensure maximum possible accuracy in credit reports- FCRA 609 ( c ) : Failure to provide proper notice of consumer rights- 15 U.S. Code 1681 : General violations of the FCRAs requirements for consumer reporting - 15 U.S. Code 1602p : Misuse of personal identifying information - 15 U.S. Code 1666b : Inaccurate billing and timeline misreporting ( including re-aging of accounts ) - 15 U.S. Code 1692c ( FDCPA ) : Debt collectors reporting without prior communication or notice to the consumer I am filing this complaint proactively to ensure full legal compliance and the protection of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
A vehicle loan account from a company listed as " XXXX XXXX '' was reported to my credit reports with all three bureausExperian, TransUnion, and Equifax. The account shows an open date of XX/XX/year> and was reported as closed in XX/XX/year> with a high balance of over {$33000.00}. 

I never applied for or agreed to any auto loan from XXXX or any related lender. I discovered this account while reviewing my credit reports to qualify for a mortgage for my family. I immediately realized this account was fraudulent and that I am a victim of identity theft. 

Debt collectors have also contacted me trying to collect payment for this loan, which I never authorized. These collection efforts have caused emotional stress and are interfering with my ability to secure housing for my family.

I have filed a report with the Federal Trade Commission ( FTC ) identifying this situation as identity theft. I am now exercising my rights under the following consumer protection laws : Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) which allows me to dispute inaccurate or fraudulent credit information and requires bureaus to investigate and correct it.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) which prohibits debt collectors from attempting to collect debts that are not legally owed.

Identity Theft and Assumption Deterrence Act which makes it a crime to use or report false identity-related information.

I am requesting that this inaccurate account be removed from my credit reports immediately, and that all collection activity associated with it be stopped.

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 2025-06-21 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  : XXXX XXXX XXXX Equifax : XXXX CARD XXXX XXXX  : XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  : XXXX XXXX XXXX Equifax : XXXX CARD XXXX XXXX  : XXXX CARD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been the financial Power of Attorney for my aging grandmother since XXXX. On XX/XX/XXXX, I logged into Chase Bank 's online banking and saw that there was a {$65000.00} withdrawn from her checking account that I am the POA on. My grandmother is XXXX XXXX XXXX and was manipulated by another family member to make this transaction after the family member was told not to do this. I immediately called and reported this as fraud and spent over an hour trying to get the transaction revered. They said I would have to talk to who ever transferred the money. I issued a cease and desist letter to the individual who manipulated her into making the transaction. I contacted the bank the next business day and provided him a copy of the cease and desist letter. I was told by the account representative that I had to go into a branch and take a copy of my POA. I called and reported the transaction to XXXX XXXX as financial elder abuse. I had to make an appointment to meet with someone at a branch and did this. I was then told their legal department had to review it so I would have to come back. I received a call from the banker and was told that legal had reviewed and I could come back in to be added on to the account. I went into the office and was told they couldn't help me because it was too close to end of business. I went back in the next business day. The individual took all my informed me he couldn't help me because my XXXX XXXX XXXX grandmother who lives in a different state wasn't with me and I didn't physically have her ID. At no point in time was a previously told that this would be necessary. He provided no solution other than I would need to physically come into the bank with a XXXX XXXX XXXX that lives in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
Did not provide a copy of the result nor did they properly. I sent in several police reports regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
XX/XX/year> Sent over a total of {$420.00} dollars to the seller XX/XX/year> Was blocked by the seller than reached out to cashapp  sent over evidence of everything on my end to no response I than went to my bank to try and dispute the charge to which they said they cant do anything about it that I have to contact cashapp but they have yet to send me any updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I wrote and submitted a formal dispute with Synchrony Bank on XX/XX/XXXX and sent it via USPS mail. 

Around XX/XX/XXXX, I started to incur a charge for {$1.00} paper statement fee. I was unaware of this fee and did not received any correspondence advising me of this new fee. Therefore I did not pay it. I was just making the minimum payment fee. I have automatic monthly payment set up through my bank, XXXX Bank. After a collection in XX/XX/XXXX call from Synchrony Bank, I was informed my account was past due because of the fees I had incurred in the months of XX/XX/XXXX and XX/XX/XXXX ( {$1.00} paper statement fee, minimum interest charge of {$2.00} and late fee of {$30.00} ). I asked the customer service representative to waive these fees as a one time courtesy since I am a long standing customer and have never been late with payments. The customer service representative informed me that they could only waive 1 late fee per 12 months. I expressed my dissatisfaction with this and asked for a manager. The manager was able to waive all late fees/interest after I made a payment of {$220.00} and signed up for paperless statements. Which I did. Fast forward to XX/XX/XXXX, I received a collection letter from Synchrony Bank saying my account was once again in collections. I went online and thorough review of my account, I noticed a {$2.00} minimum interest charge that was not paid/waived by the manager on XX/XX/XXXX or take care of with the {$220.00} payment the manager asked for to make my account current. Since XX/XX/XXXX I have incurred the following late fees/interest : XX/XX/XXXX {$2.00} interest fee XX/XX/XXXX {$2.00} interest fee XX/XX/XXXX {$41.00} late fee XX/XX/XXXX {$2.00} interest fee XX/XX/XXXX {$41.00} late fee XX/XX/XXXX {$2.00} interest fee XX/XX/XXXX {$41.00} late fee XX/XX/XXXX {$3.00} interest fee

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 monetary relief