vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-02 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 do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-02 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

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 XXXX XXXX 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 explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive statuss

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was shocked to discover today that all three of my credit card accounts with Capital One were closed without any prior notice or communication. I did not receive a letter, phone call, or even an email informing me that my accounts were at risk or being considered for closure. 

When I contacted Capital One, the supervisor I spoke with was unable to provide a clear reason for the closures. She stated that I had " opted for email statements only, '' which was cited as the reason I didnt receive any written notice. However, I regularly monitor both my email and my Capital One account and can confirm that I received no notification whatsoever of pending or completed closures. 

I have been a loyal Capital One customer since XXXX and have consistently made my payments on time. My credit report reflects an exceptional payment history, with no missed payments or delinquencies. I have attached a copy of my Experian credit report for verification. These closures came entirely without warning and with no regard for my long-standing positive credit behavior. 

While I understand that credit card issuers may close accounts at their discretion, under the Fair Credit Reporting Act ( FCRA ) XXXX U.S. Code XXXX ( a ), if such a decision is based in whole or in part on information in a credit report, the issuer is legally obligated to provide an adverse action notice, including the specific reason and the name of the credit reporting agency used. I have not received any such notice. 

To further contextualize, I have been experiencing temporary financial hardship due to unpaid wages from my employer for the past XXXX months, compounded by my spouses recent unemployment. Despite this, I was actively managing my accounts and was in the process of paying off my Capital One XXXX XXXX card in full using funds from an inheritance. The sudden closure of all my Capital One accounts has not only disrupted that process but may also significantly impact my credit score by reducing available credit and increasing my utilization ratio. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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/XXXX. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MN

Complaint narrative:
I sent my sponsored account {$200.00} on XX/XX/XXXX. On XX/XX/XXXX, my sponsored account put {$200.00} in her savings account. On XX/XX/XXXX she attempted to transfer the money out of savings to use it and received a " transfer failed '' alert. I had to then pay out of pocket XXXX on her behalf. I called cashapp to see what the issue was and was told they were going to escalate a ticket to the department that handles this and they would email me when the issue is resolved. I received no email. I called back a few days later and was told they couldn't give me a time line of when the issue would be resolved and that my current complaint would be closed because I'm not providing and additional information. At this point we also realized her account wouldnt let her complete any transactions at all. I called back on XX/XX/XXXX and was told they were working in the issue now and it would be resolved by the end of the week. I called back on XX/XX/XXXX and was told they couldn't give me a time line, they couldn't send me to a supervisor, they couldn't tell me what's wrong with the account and the only option is to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report as potentially fraudulent and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. 

On or about XX/XX/XXXX, XXXX XXXX XXXX organization that collects and stores sensitive consumer datasuffered a confirmed data breach, as filed with the Maine Attorney General 's Office. My full name, date of birth, Social Security number, driver license number, current and previous addresses, and other identifying data were part of the compromised information.

Due to the extent of this breach, I have reason to believe that the following accounts and negative items on my credit report may be the result of identity theft, unauthorized access, or improper reporting. Therefore, I request the following : - CITICARDS CBNA {$2500.00} Charge-off - XXXX XXXX {$0.00} Charged-off ( transferred/sold ) - XXXX {$1400.00} Charge-off - XXXX XXXX XXXX {$680.00} Charge-off - XXXXXXXX XXXX XXXX {$1000.00} Collection account ( XXXX ) 1. Immediate reinvestigation of the accounts listed.

2. Removal of these items unless full verification can be produced showing I personally authorized and benefited from these debts.

3. Suspension or correction of any further adverse reporting related to these accounts.

4. Update me in writing on the progress and conclusion of your investigation. 

Please consider this notice a formal dispute and fraud-related identity theft alert. 

Enclosed : - Copy of my government-issued ID - Copy of the XXXX breach notification ( if available ) - Full credit report indicating disputed items Failure to comply may result in additional legal and regulatory filings with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. 

Sincerely, 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 2025-07-02 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report as potentially fraudulent and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. 

On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX that collects and stores sensitive consumer datasuffered a confirmed data breach, as filed with the Maine Attorney General XXXX Office. My full name, date of birth, Social Security number, driver license number, current and previous addresses, and other identifying data were part of the compromised information. 

Due to the extent of this breach, I have reason to believe that the following accounts and negative items on my credit report XXXX be the result of identity theft, unauthorized access, or improper reporting. Therefore, I request the following : - CITICARDS XXXX {$2500.00} Charge-off - COMENITY CAPITAL/SEPHORA {$0.00} Charged-off XXXX transferred/sold ) - DISCOVER {$1400.00} Charge-off - SANTANDER CONSUMER XXXX {$680.00} Charge-off - XXXX CREDIT MANAGEMENT {$1000.00} XXXX account ( Comenity ) 1. Immediate reinvestigation of the accounts listed.

2. Removal of these items unless full verification can be produced showing I personally authorized and benefited from these debts. 
XXXX. Suspension or correction of any further adverse reporting related to these accounts. 
XXXX. Update me in writing on the progress and conclusion of your investigation. 

Please consider this notice a formal dispute and fraud-related identity theft alert. 

Enclosed : - Copy of my government-issued ID - Copy of the XXXX breach notification ( if available ) - Full credit report indicating disputed items Failure to comply XXXX result in additional legal and regulatory filings with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my state attorney general. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, after a distressing phone call with Synchrony Bank regarding the Payment Security benefit on my XXXX  Cashback Mastercard, I asked the representative to send written information by email because I could not understand the explanations given over the phone. Later that day, they emailed me a program guide that outlined eligibility rules and covered events ; however, they did not provide the actual application form.

I formally submitted my Payment Security benefit request on XX/XX/year>. My packet included a physically signed benefit form, my final pay stubs, and an offer letter confirming my temporary student position ended on XX/XX/year>. I also provided a hardship explanation and requested that all communication be handled by email only because my mailing address had changed and I was experiencing financial hardship. 

Despite submitting every document the program requires, Synchrony has refused to process my claim unless I first apply for state unemployment and provide a denial letter. I am not eligible for unemployment because the role was a temporary student contract and I have no XXXX wages. Submitting an unemployment application solely to obtain a denial would be misleading and unnecessary, especially because the Payment Security Terms and Conditions state that a benefit is available for End of Contract Employment, which matches my situation exactly. 

Since XX/XX/XXXX, most communication from Synchrony has continued by phone even though I asked for email-only contact. During these calls, representatives pressured me to make payments, even though my claim remains under review. In addition, recent phone pressure has already resulted in negative credit reporting on my account, harming my credit score while I am still awaiting a fair decision. I have complied in good faith, submitted all required documentation, and met the qualifications clearly outlined in the program guide. 

I ask the Consumer Financial Protection Bureau to review this matter and require Synchrony Bank to process my hardship claim fairly without forcing me to obtain irrelevant documents and to stop reporting negative information while the claim is open. 

Attachments include my hardship letter dated XX/XX/year>, a voicemail recording from XX/XX/XXXX, my payslips from XXXX XXXX XXXX, my XX/XX/year> job offer, screenshots of communication records, and the Payment Security Terms that Synchrony sent on XX/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 explanation