vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In 2023 Synchrony Bank approved me for a Sam 's Credit Card with a credit limit of {$3500.00}. As of now I have a balance for {$630.00}. I have never been late on making payments. I received an email from them a couple of weeks ago stating they need for me to report my annual income as of now which has increased since 2023 appropriately {$20000.00} more. I worked for XXXX XXXX, I reported the accurate information. The email did not inform me they were going to run my credit and decrease my credit limit to the amount I owe as of now. I received another email stating they decrease my credit limit which is very very unfair to me. It was wrong because now it hurts my score even more now because its shows that I have used all of my credit and now I only have {$28.00} left for credit. I am working hard on my credit and now this is unfair.

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 2025-10-20 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX chase bank debited XXXX from my savings account after they credited that amount for fraudulent transactions that occurred in XXXX but i didnt know of newer transactions from this year until XXXX of XXXX from merchants I disputed with last year and I let them know this merchant was not mines and I had knowledge of them, they then said they sent a letter to me to fill out a ach form and it was mailed but it was never mailed to my address it was uploaded to my online account but u was not made aware of that I was looking for a form in the mail that i never received so they took they made my account negative and when my funds were credited from XXXX they took them stating the reason why was I didnt return form in so I let them know I didnt receive it multiple times and I went in the bank on XX/XX/XXXX which was the only day available I could do a appointment and I completed the form they denied the claim again and said it was denied because I didnt indicate all fraud transactions when I reported it and I know I did when I originally reported it in XXXX of XXXX they closed my account and didnt notify me by mail it would be closed after being a customer of 5 years and they told me I had a check coming for the amount of XXXX on XX/XX/XXXX they then changed it and said its only for XXXX on XXXX the XXXX I need to file a report so I can get my funds back I received XXXX and this is the only income I have and they have been telling different things every time I call the representative are rude and I believe this is due to racism and XXXX discrimination because of how I am being treated and the way they talk and look at me when I go to banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XX/XX/year> I received a email alert from XXXX  saying CREDENCE RESOURCE MANAGEMENT collections has put a collection on my account for not paying XXXX  bill Amount XXXX $ But I have been paying all my monthly dues since the account started in XXXX XX/XX/year> till date. 
I have been calling XXXX  since then and they are saying I have NO past dues and this is a false claim. They said this issue will be taken care and a Ticket is created. But each new day I call them and ask for the status I have to explain the issue to each Representative and NO action is taken. No one has created a ticket yet. This is so frustrating to me. 
Since XXXX XX/XX/year>, I am having only XXXX XXXX  XXXX XXXX and XXXX XXXX  Mobile Account. 

XX/XX/year> I received an email alert from XXXX saying I have balance due of XXXX XXXX When I called and enquired them about the same, XXXX representative said it was a false alert and you can discard. They kept on sending the email and I discard them since none of them is showing up in the XXXX XXXX or We account history. 

XX/XX/year> and XX/XX/year> I saw a DEBIT of XXXX $ on XX/XX/XXXX and XXXX $ on XX/XX/year> from XXXX  on my CHASE CREDIT card. When I enquired XXXX  about the amount they said they dont double debit and they see only XXXX $ on XXXX  account. So I asked XXXX bank to CREDIT me back the amount. When I look back now there was also DEBIT of XXXX $ on XX/XX/year> that I completely missed to report and get the CREDIT. This needs to addressed as well XX/XX/year> Same issue as above happened but now the amount was XXXX XXXX So I asked XXXX to CREDIT me back the amount as XXXX said they dont see that charge from their end and I too dont see in in my XXXX  account. 

Please do the needful as I so much stuck in this state as no one is providing me a clear cut details on fixing the issue. I am so much drained. 

I also have a complaint against the Collections team - CREDENCE RESOURCE MANAGEMENT collections When I look back I see some messages from them as I have been discarding them as fake messages. We get a lot of fake message and I dont keep my attention to them. They should have send me a proper email with all the details laid out even before considering the collection and putting it on my CREDIT history. It is so immature from them. 

I am attaching all my payment details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
SoFi notified me that my bank account was being closed due to an alleged violation of their account agreement. They stated that they would send me a check for the remaining balance after closure. I complied fully, and my account was closed.

After that, SoFi began holding funds in my trading account, claiming they were reviewing it. However, there were no issues with my trading account. The only matter involved a returned wire on the main bank account, not the trading account. Despite this, SoFi has now restricted access to both and is holding my money without explanation.

Ive contacted SoFi several times requesting an update and immediate release of my funds. I sent them proof that the original bank account was closed and asked that the money from my trading account be released or sent by check or wire transfer. SoFi has not provided any valid reason for withholding my funds or any timeline for payment.

SoFi has taken funds out of my accounts, closed my main bank account, and continues to hold the money in my trading account without cause or communication. This is unacceptable and has caused unnecessary financial stress and hardship. I simply want access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 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

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 2025-10-20 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: DE

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX\XXXXnXXXX XXXX XXXX XXXX  DE XXXX \nXXXXnExperian\nXXXX XXXX XXXX, TX XXXX \nSubject: Follow-Up on Previously Submitted Dispute\n\nDear Credit Representative,\nThis letter serves as a follow-up to my previous dispute regarding the accounts listed below. I previously disputed this information as inaccurate, yet your response stated that the accounts were verified. I am requesting clarification on how these items were verified.\nUnder the Fair Debt Collection Practices Act (FDCPA), I have directly contacted the creditors in question to request proper validation of the alleged debts. However, they have failed to provide verification or validation in accordance with FDCPA standards and guidelines.\nAccounts in Dispute:\n1.\tXXXX XXXX XXXX\n2.\XXXX XXXX XXXX\n3.\XXXX XXXX\n4.\XXXX XXXX XXXX XXXX XXXX\n\nI am enclosing copies of my previous requests sent to the CFPB and the creditors, asking them to validate these items. I was provided with no proper validation or verification in accordance with the FDCPA outlining my obligation or responsibility for these disputed accounts.\nUnder the Fair Credit Reporting Act (FCRA), you are required to verify the accuracy and validity of these items within 30 days. If the information cannot be verified, you are obligated by law to remove it from my credit file.\nI urge you to remove these items immediately if proper verification cannot be obtained, to avoid the need for legal action. In the event you continue to report unverifiable or inaccurate information, I will find it necessary to pursue legal remedies for actual damages and declaratory relief. According to FCRA regulations, I am entitled to bring suit in any qualified state or federal court, including small claims court in my area.\nPlease provide written confirmation of the results of your reinvestigation, including documentation from each creditor used to verify the accounts in question.\nThank you for your prompt attention to this matter.\n\nSincerely,\nXXXX 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/year> {$10000.00} XXXX XXXX XXXX XXXX SoFi Credit Card XXXX Transaction date XX/XX/year> Merchant category Shopping Merchant info XXXX, XXXX Purchase method In person Report an issue Transaction ID : XXXX XX/XX/year> {$9100.00} XXXX XXXX XXXX XXXX SoFi Credit Card XXXX Transaction date XX/XX/year> Merchant category Shopping Merchant info XXXX, XXXX  Purchase method In person Report an issue Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MS

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 2025-10-20 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-20 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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXXXX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXXXX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXXXX/XX/XXXX - the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: MI

Complaint narrative:
On XX/XX/year> I went to PLS check cashing on XXXX fm XXXX XXXX tx XXXX to get a money order. I had a portion of the money in cash and another portion of the money on a prepaid card. I paid a balance of XXXX dollars with my card. Once I left my card was charged XXXX more times for the same amount. XXXX was released back after 7 days but the other one was not and they do not want to give me my money back. I looked them up on bbb website and they are doing this to everyday hard working people. It's absolutely disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : EXPERIAN XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>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